Ghana is a coastal developing country in West Africa. It is known for being the first African country in 1957 to declare independence from Europe, which influenced other countries to follow suit over the following decades. Today, Ghana has one of Africa’s most stable governments and the sixth largest economy on the continent; the country is rich in resources such as gold, petroleum and cocoa beans. The country is also known for being the birthplace and home of the world-renowned former UN Secretary-General Kofi Annan.
Safety & Security
Travellers and expatriates should exercise a high degree of caution in Ghana. Due to political and ethnic tensions, the Government of Canada warns tourists and expatriates to exercise caution as crime can be quite high. Be aware of your personal belongings as purse snatching by individuals on motorbikes is increasing in Ghana. Also, there have been cases of violent robberies targeting foreigners travelling in taxis at night. Please try to limit visits and trips during daytime hours.
Healthcare in Ghana
Major medical facilities are outside urban areas. Expats travelling to Ghana should make sure that they are covered by adequate international health insurance and that routine vaccines are up-to-date. Also, expats should talk to a health provider about additional vaccines which are right for them. In the event of emergency medical or serious illness, emergency medical evacuation is required. Immediate cash payment is common in Ghana. To know about healthcare system in Ghana check out our healthcare region page.
Insurance Plans for Ghana
Expat Financial, a division of TFG Global Insurance Solutions Ltd, can easily obtain coverage for expatriates in Ghana. Our staff has the necessary knowledge to provide you with complete insurance coverage that will protect your expat staff who are posted to Ghana and other African countries. This can also include coverage for local nationals employed by foreign companies in Ghana.
Contact Expat Financial today for a more in-depth examination of your insurance needs for Ghana and what plans we can offer you. We have a great deal of experience in sourcing insurance for expatriates and even some local nationals in Africa.
Quick Guide to Insurance Coverage for Foreigners
When traveling or living abroad, securing the right insurance coverage is essential to protect against unexpected risks. Below is an overview of key insurance options for foreigners.
1. Healthcare Insurance for Expats in Ghana
It is highly recommended that foreigners obtain international health insurance to cover medical expenses, as many countries do not provide free healthcare to non-residents. Key options include:
- International Health Insurance: These plans are most suitable for long-term stays, covering routine check-ups, chronic conditions, and specialist care.
- Local Health Insurance: While not recommended for most expats, it may be a solution for some. We can source coverage for locals in most circumstances if employed by a foreign firm and with a group of other employees.
2. Life Insurance
Most foreigners can secure life insurance policies from:
- International Insurers: Provide global coverage, ensuring financial security for beneficiaries in different countries.
- Local Insurers: Some countries offer life insurance options for expats, but coverage may be restricted based on residency status.
3. Travel Insurance
Get this plan if you are there for just a short time period and not becoming an expat. Covers short-term medical emergencies, hospital visits, and evacuations.
Essential for short-term visitors, covering:
- Medical emergencies
- Trip cancellations
- Lost baggage
- Emergency evacuations
4. Property & Liability Insurance
Foreigners renting or owning property in Ghana should definitely consider:
- Home Insurance: Covers damage, theft, and natural disasters.
- Liability Insurance: Protects against legal claims from third-party injuries or property damage.
5. Auto Insurance
Required if driving in Ghana. You may want to hire a driver or use taxis, but if you own a car and drive there, consider including:
- Third-party liability (mandatory in most countries)
- Comprehensive coverage for theft, accidents, and damages. Note that driving in the country can be dangerous.
If you require a quote for Ghana insurance, contact Expat Financial today for a quote.
