Introduction
Health insurance in Ghana is often seen as expensive, but the truth is that there are several affordable options for individuals, families, and businesses. From the National Health Insurance Scheme (NHIS) to private providers offering basic packages, Ghanaians can now access quality healthcare at relatively low costs.
In this article, Accra Street Journal highlights the 5 cheapest health insurance plans in Ghana (2026) — including their benefits, coverage, and estimated costs.
1. National Health Insurance Scheme (NHIS)
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Premiums: GHS 30–GHS 50 per year (some categories free).
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Who qualifies: All Ghanaians and legal residents.
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Benefits: Covers 95% of common diseases, outpatient & inpatient care, maternal care, and essential drugs.
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Why affordable: Government-subsidized, making it the cheapest option in Ghana.
📌 Best for individuals, families, and the elderly looking for the most affordable basic coverage.
2. Acacia Health Insurance – “Basic Plan”
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Premiums: Starting from GHS 40 per month.
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Coverage: Outpatient, inpatient, maternity, optical, and dental (basic level).
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Why affordable: Their Basic Plan is one of the cheapest private packages, giving access to a wide hospital network.
📌 Best for workers in SMEs or individuals who want private coverage beyond NHIS.
3. GLICO Healthcare – “Bronze Plan”
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Premiums: Around GHS 50–60 per month.
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Coverage: General practitioner visits, pharmacy, basic lab tests, and hospitalization.
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Why affordable: Simple and budget-friendly plan with a strong hospital network.
📌 Best for urban workers and young professionals.
4. Apex Health Insurance – “Standard Plan”
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Premiums: Starting from GHS 45 per month.
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Coverage: Outpatient care, hospitalization, surgeries, and maternity.
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Why affordable: Flexible premiums with good private hospital coverage.
📌 Best for families and businesses seeking entry-level private insurance.
5. Enterprise Life (Evolve Health Plan)
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Premiums: From GHS 55 per month.
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Coverage: Hospitalization, prescriptions, surgery, and specialist consultation.
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Why affordable: Combines insurance with life cover at a low premium.
📌 Best for individuals seeking dual coverage (health + life).
Comparison Table: Cheapest Health Insurance Plans in Ghana (2025)
| Provider | Monthly/Annual Premium | Key Coverage | Best For |
|---|---|---|---|
| NHIS | GHS 30–50 / year | 95% common diseases, maternity | Families, elderly, low-income |
| Acacia Basic Plan | ~GHS 40 / month | Outpatient, inpatient, maternity | SMEs, individuals |
| GLICO Bronze Plan | ~GHS 50–60 / month | GP visits, hospitalization | Young professionals |
| Apex Standard Plan | ~GHS 45 / month | Surgery, maternity, inpatient | Families, businesses |
| Enterprise Evolve | ~GHS 55 / month | Health + life cover | Individuals, dual coverage seekers |
Customer Care Contacts
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NHIS: 6447 (toll-free), www.nhis.gov.gh
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Acacia Health Insurance: 0302 234 113, www.acaciahealthinsurance.com
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GLICO Healthcare: 0302 218 500, www.glicohealth.com
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Apex Health Insurance: 0302 780 662, www.apexhealthinsurance.com
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Enterprise Life: 0302 634 444, www.enterprisegroup.net.gh
FAQs on Affordable Health Insurance in Ghana
Q1. What is the cheapest health insurance in Ghana?
👉 The NHIS is the cheapest, with premiums as low as GHS 30–50 per year.
Q2. Which private health insurance is most affordable?
👉 Acacia’s Basic Plan and Apex’s Standard Plan are the most budget-friendly.
Q3. Can I combine NHIS with private insurance?
👉 Yes. Many Ghanaians keep NHIS for emergencies and add a private plan for better services.
Q4. Do affordable plans cover surgery?
👉 Only basic and emergency surgeries. Specialized or overseas treatments are excluded.
Conclusion From Accra Street Journal
Getting health insurance in Ghana does not have to be expensive. Whether you are a student, worker, or family, there are affordable options like NHIS, Acacia, GLICO, Apex, and Enterprise that provide reliable coverage.
At Accra Street Journal, we recommend that everyone — regardless of income level — considers at least basic NHIS membership, and for those who can afford more, supplement with a private plan for better service.
Source: Accra Street Journal
Last Updated on March 7, 2026 by Samuel Kwame Boadu
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Samuel Kwame Boadu is a Ghanaian media entrepreneur and storyteller with a passion for amplifying urban voices and uncovering everyday truths. He is the Editor-in-Chief and Founder of Accra Street Journal, a dynamic digital platform dedicated to capturing the pulse of Ghana’s capital—its people, culture, challenges, business, sports and innovations.
