Health Insurance Claims — FAQs

The NHIS covers most outpatient, inpatient, maternity, emergency, oral, and eye care services. It excludes some services like cosmetic surgery, dialysis (except in emergencies), organ transplant, and certain cancer treatments.

NHIS covers the cost of services in its benefits package. However, you may pay out-of-pocket for medicines or procedures not on the package list, or if your membership has expired.

Always carry your valid NHIS membership card. For maternity services, infants, or dependents, carry their NHIS cards as well. For emergencies, your details can be validated later.

Accredited facilities are obliged to honour valid NHIS cards. If you are refused care:

• First, ask to speak to the facility’s NHIS desk officer — many issues can be resolved on the spot.
• If the problem continues, call Claims-GH immediately. We will step in, clarify your eligibility, and liaise with the hospital on your behalf.
• Where the refusal breaches NHIS rules, we will help you formally report it to the District NHIA office or guide you in calling the NHIS helpline: 0544 446 447.

This way you get fast support without delays, and the issue is properly escalated if needed.

Membership is valid for one year and must be renewed annually. You can renew at any NHIA district office, accredited registration centre, or via the NHIS mobile renewal service (*929# on MTN, Vodafone, AirtelTigo).

You can check at your district NHIS office, ask at the hospital NHIS desk, or visit www.nhis.gov.gh for the full benefits package.

Request a call back or call (+233) 0302 567 8900. We’ll guide you if you’ve been refused care, overcharged, or need help understanding your benefits.