Introduction
Childbirth can be one of the most expensive medical costs for families in Ghana. From antenatal visits and delivery to postnatal care, hospital bills often run into thousands of Ghana cedis. That’s why maternity health insurance is so important.
At Accra Street Journal, we reviewed the top maternity health insurance plans in Ghana (2026) — both public and private — to help mothers and families plan ahead.
1. NHIS (National Health Insurance Scheme) – Free Maternal Care
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Premiums: Free under the Free Maternal Health Policy.
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Coverage: Antenatal visits, delivery (normal & C-section), postnatal care, emergency care.
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Why it stands out: Covers all pregnant women in Ghana, regardless of income.
📌 Best for low-income families and rural communities.
2. Acacia Health Insurance – “Maternity Package”
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Premiums: From GHS 70 per month.
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Coverage: Antenatal, delivery, C-section, neonatal care, postnatal consultations.
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Why it stands out: Strong hospital network + affordable private maternity care.
📌 Best for middle-income families seeking private hospital comfort.
3. GLICO Healthcare – “Maternity Plus”
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Premiums: From GHS 90 per month.
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Coverage: Antenatal, scans, delivery, epidural, neonatal care, and emergencies.
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Why it stands out: Wide coverage including advanced maternity services.
📌 Best for professionals in urban areas.
4. Apex Health Insurance – “Family Plan with Maternity”
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Premiums: Starting GHS 80 per month.
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Coverage: Antenatal, delivery, newborn immunization, and family health.
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Why it stands out: Covers both mother and baby under one plan.
📌 Best for families planning long-term coverage.
5. Enterprise Life – Evolve Health Plan (Maternity Option)
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Premiums: ~GHS 85 per month.
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Coverage: Pregnancy monitoring, delivery, surgical procedures, and mother+child care.
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Why it stands out: Combines maternity health cover with life insurance.
📌 Best for mothers looking for combined health & life benefits.
6. Nationwide Medical Insurance – “Maternity Care Policy”
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Premiums: From GHS 75 per month.
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Coverage: Antenatal, delivery, blood transfusion, and postnatal care.
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Why it stands out: One of the oldest private providers with reliable service.
📌 Best for trusted long-term maternity coverage.
7. Cosmopolitan Health Insurance – “Comprehensive Maternity Plan”
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Premiums: ~GHS 95 per month.
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Coverage: Fertility consultations, antenatal, delivery, neonatal intensive care (NICU).
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Why it stands out: Covers advanced fertility and neonatal treatments.
📌 Best for high-income families seeking premium maternity cover.
Comparison Table: Best Maternity Health Insurance Plans in Ghana (2025)
| Provider | Premium (Monthly) | Coverage Highlights | Best For |
|---|---|---|---|
| NHIS | Free | Antenatal, delivery, postnatal | Low-income & rural families |
| Acacia | GHS 70+ | Delivery, C-section, neonatal | Middle-income private users |
| GLICO | GHS 90+ | Scans, epidural, emergencies | Professionals in cities |
| Apex | GHS 80+ | Family + maternity | Growing families |
| Enterprise Life | GHS 85+ | Delivery + life insurance | Mothers seeking dual coverage |
| Nationwide | GHS 75+ | Blood transfusion, delivery | Reliable long-term cover |
| Cosmopolitan | GHS 95+ | Fertility + NICU | High-income families |
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
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Nationwide Medical Insurance: 0302 240 692, www.nationwidemh.com
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Cosmopolitan Health Insurance: 0302 770 053, www.cosmopolitanhealth.com
FAQs on Maternity Health Insurance in Ghana
Q1. Does NHIS cover maternity?
👉 Yes, under the Free Maternal Health Policy all pregnant women are covered for antenatal, delivery, and postnatal care.
Q2. Which private plan is best for maternity?
👉 Acacia and GLICO offer some of the most affordable and comprehensive maternity packages.
Q3. Can private maternity insurance be combined with NHIS?
👉 Yes. Many families use NHIS for basic care and private insurance for advanced services.
Q4. Do these plans cover C-sections?
👉 Yes, most private providers include C-section in maternity packages.
Q5. Do maternity insurance plans cover the baby?
👉 Some do (e.g., Apex Family Plan). Others require adding the baby after birth.
Conclusion From Accra Street Journal
Maternity health insurance in Ghana is no longer a luxury — it’s a necessity for families planning childbirth. From free NHIS maternal care to premium private packages from Acacia, GLICO, and Cosmopolitan, mothers now have options at every budget level.
At Accra Street Journal, we believe every mother deserves safe and affordable maternity care, and these 7 plans give families peace of mind during one of life’s most important journeys.
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.
