Health Insurance For Expats In Ghana

The Best Health Insurance For Expatriates Living In Ghana

Posted by Greg Jones on January 24, 2020

If you've searched online for private health insurance that covers expats in Ghana then you are most likely for looking for established UK based health insurance companies that can cover your medical costs in Ghana.

Living as an expatriate in Ghana you want to avoid any unwanted and unexpected medical costs. In some countries these can amount to hundreds of thousands of pounds for very serious medical conditions.

Our advice when shopping around for private medical cover that covers expatriates living in Ghana is to speak to a health insurance broker. Health insurance is incredibly complicated and if you want complete certainty that Ghana is covered by your policy you should consult with a broker who can explain which policy providers will cover medical costs for expatriates in Ghana and which will not.

There are many advantages to using a insurance broker but the largest by far is that you're using their expertise at no cost. They are paid by the insurer (Aviva or Bupa etc) rather than by you so it costs you no extra to use their services.

  • Do you reside in many different postcodes? Some will give you a cheaper premium than offers. A broker will be able to advise whats best.
  • Do you have a hobby that may invalidate your insurance policy? A broker will know this critical information.
  • If you are a couple and one of you has claimed on your policy this year would it be cheaper to separate you both onto two different policies?
  • You've developed a certain condition and want to know which insurer offers the largest amount of cover for it. A broker will know this instantly saving you huge amounts of time and effort.

You can call around every medical insurance provider on the market and ask if they provider cover for expats in Ghana, however this will be a very time consuming process. Each insurer will ask for your medical history because its not normally a simple yes or not if a medical condition is covered or not.

Its much quicker to speak to one health insurance broker which will know which providers on the market offer cover for expats in Ghana and under what terms they do or don't cover it.

Ghana Information

Tourist arrivals to Ghana include visitors from South and Latin America, Asia and Europe. Tourists come to Ghana to enjoy its all year round tropical warm climate and its wildlife. Ghans boasts waterfalls (such as Kintampo Waterfalls and the largest waterfall in West Africa, the Tagbo Falls, Ghana's palm-lined sandy beaches, caves, mountains, rivers, meteorite impact crater. Other attractions include reservoirs and lakes such as Lake Bosumtwi or Bosumtwi meteorite crater and the largest man-made lake in the world by surface area, Lake Volta. Ghana also has dozens of castles and forts, UNESCO World Heritage Sites, nature reserves and national parks.

The World Economic Forum statistics in 2010 showed that Ghana was 108th out of 139 countries as the world's favourite tourism destinations. The country had moved two places up from the 2009 rankings. In 2011, Forbes Magazine, published that Ghana was ranked the eleventh-most friendly country in the world. The assertion was based on a survey in 2010 of a cross-section of travelers. Of all the African countries that were included in the survey Ghana ranked highest. Ghana ranks as the seventieth−most stable country in the world and as the 58th–most peaceful country in the world.

In 2011, Ghana raked in $2.19 billion ($2,019,000,000) from the tourism sector on the back of an estimated 1.1 million international tourist arrivals. In 2012, Ghana’s tourism sector raked in $1.7 billion from 993,600 international tourists, providing employment for 359,000 people. Ghana will annually rake in US$8.3 billion from the tourism sector per year by the year 2027 on the back of an estimated 4.3 million international tourist arrivals.

Heritage tourism in Ghana is led by a festival called the Pan-African Historical Festival or PANAFEST. The festival is a cultural event with the intention of increasing the notion of Pan-Africanism and African development. It consists of the festival itself as well as the celebration surrounding Emancipation Day. PANAFEST primarily takes place in two cities, Elmina and Cape Coast, which were the largest slave-trading forts in the nation. The festival takes place over eight to nine days and begins with a ceremonial wreath laying. Events during PANAFEST include carnival day, a journey of return from those located in other nations, Rita Marley's birthday, an academic lecture on the women and youth, a naming ceremony from people from the diaspora, and finally the "Reverential Night".

PANAFEST is a direct manifestation of Ghanaian culture. It is also the appropriation of it and capitalization by the Rawlings administration. Indeed, Rawlings' developed international cultural festivals such as PANAFEST as a source of income for Ghana through the promotion of tourism in Ghana. It proved to be effective.

Before the Rawlings administration, tourism in Ghana was not an effective source of income for the Ghanaian society and was thus a missed opportunity in helping to diversify the Ghanaian economy. The Rawlings administration saw this area of opportunity and capitalized on it, ultimately appropriating the Ghanaian culture and utilizing it as a source of revenue. Through the restoration of castles that were once used for the slave industry, establishment of public memorials honouring the "illustrious sons" of Ghana coupled with encouragement from the government via incentives for private investments, the Rawlings administration was effectively able to push tourism forward with the cost of capitalizing on Ghanaian culture.

The tourist industry in Ghana is known to promote sustainable tourism that includes: cultural tourism, heritage tourism, recreational tourism, adventure tourism and events tourism. Cultural tourism focuses on festivals and events, whereas heritage tourism focuses on the history of the slave routes. Recreational tourism allows tourists to explore beaches and theme parks. Adventure tourism takes a look at rain forests and game parks, and event tourism focuses on resources and conferences.

Many of the heritage tourism sites highlight the legacy of the African Diaspora and the social composition of communities. As a result, these studies have impacted the tourists' connection to the heritage tourism sites by providing cultural depth to their travelling experience.

In Ghana, the economic system is based on the Ghanaian Cedi (currency symbol GH¢) and the pesewa (currency symbol Gp). Pesewas are the basic units of Ghanaian currency and cedis are the second tier in their economic system; in other words, pesewas are comparable to the United States' penny and the cedi is comparable to a United States dollar. Although they may be compared in that regard, currency in Ghana is of lower denomination than currency in the United States. 1 Ghanaian Cedi converts to approximately 18¢ in the United States.