Ghana (GH)
Ghana is one of West Africa's most attractive expat bases: English-speaking, politically stable, culturally warm and increasingly connected to the global African diaspora.
Insurance Guide
Which insurances you actually need in Ghana, prioritised.
Ghana expats should prioritise health insurance with evacuation, motor third-party insurance, tenant/property cover and liability protection. The biggest risks are medical evacuation cost, road accidents, property loss, water/fire damage and uninsured domestic staff incidents.
Legally Mandatory
- - Motor third-party insurance for vehicles
- - Employer social security contributions for employees
- - Sector-specific professional cover where required
International Health Insurance
Private treatment plus evacuation/repatriation if needed.
Who needs it: All expats, especially families and anyone outside Accra.
Annual cost: USD 1,000-5,000+ per adult
Confirm Ghana direct billing and evacuation rules.
Motor Insurance
Mandatory third-party liability; comprehensive optional.
Who needs it: Vehicle owners/drivers.
Annual cost: Vehicle/value dependent
Comprehensive is wise due to accident/parts risk.
Local Private Health Plan
Access to local private hospitals/clinics.
Who needs it: Residents who do not need global cover or want a supplement.
Annual cost: GHS 3,000-20,000+
Check facility network carefully.
Tenant Contents Insurance
Covers belongings against theft, fire, water and some electrical damage.
Who needs it: Renters with imported electronics/furniture.
Annual cost: GHS 500-3,000+
Check exclusions for power surge and flood.
Personal Liability
Covers accidental damage/injury claims where available.
Who needs it: Families, drivers, pet owners and anyone employing domestic staff.
Annual cost: Policy dependent
Personal liability insurance is less standardised in Ghana than in many Western markets — use a licensed broker to arrange cover.
Professional Indemnity
Covers professional negligence claims.
Who needs it: Consultants, doctors, engineers, accountants, lawyers and company directors.
Annual cost: Sector/revenue dependent
Travel/Regional Evacuation Cover
Short-trip medical/travel cover for ECOWAS/regional travel.
Who needs it: Frequent travellers to neighbouring countries.
Annual cost: USD 100-600+
Comparison sites
Ask whether private hospitals bill insurer directly or require reimbursement.
Add medical evacuation if you have children, chronic conditions or upcountry work.
Photograph belongings and meter/electrical setup at move-in.
Use written contracts for domestic staff and clarify injury/medical responsibility.
Insurance
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