Micro Health Insurance Medical Insurance

This health insurance plan is aimed at meeting the essential healthcare needs of all persons in Ghana.

This package offers subscribers a reliable and efficient access to healthcare services and flexible payment terms (daily, weekly, monthly, quarter) thereby, making it an affordable cost effective health insurance plan.

My Health is available for all persons from all walks of life!!! With my health, all individuals and their families have guaranteed access to quality healthcare delivery.

(+233) 030225107

For more information, please contact Nationwide.

How to enroll

  • Applicants would be required to submit a passport size picture.
  • Applicant will provide known medical
  • Applicants would select one preferred Primary Care Provider from the list provided
  • Applicants would indicate their preferred terms and mode of payment.
  • Registration fee and first premiums are paid by applicant.
  • Waiting period indicated above is applicable.
  • Membership cards are printed and issued to member(s) after paying premium for first three months.
  • Access to healthcare commences three months from date of payment of first premium.
  • Members may change their preferred Service Provider six months after policy commencement date.

Payment Terms

  • Daily
  • Weekly
  • Monthly
  • Quarterly
  • Half yearly
  • Yearly in advance

How to pay for subcriptions?

Dedicated Zonal Agent
Agency/company
Direct debit
Mobile money

Health Plans

Individual Care

  • GP consultation
  • Road ambulance
More Details

Family Care

  • Dietician
  • Newborn benefit
More Details

Chronic Care

  • Specialist consultations
More Details

Cancer Care

  • Investigations for diagnosis
More Details
Area of Cover
Accra
Medical Consultation
GP Consultation Covered within outpatients limits
Specialist Consultation Covered within outpatients limits
Dietician Not Covered
Investigations
basic laboratory investigations Covered within outpatients limits
advanced laboratory investigation Covered within outpatients limits
basic medical imaging [x-ray, ultrasound, ECG, endoscopy] Covered within outpatients limits
advanced medical imaging [MRI, CT, EEG, Echo] requested by specialists only Not Covered
Medicines and medical consumables
Prescribed medication for acute conditions Covered within outpatients limits
Prescribed medication for chronic conditions Covered up to GHC500 within outpatient limit
Multivitamins Not covered
Infusions[in hospital use only] Covered within outpatients limits
Materials for dressing, sutures, bandages [in hospital use only] Covered within outpatients limits
Syringes, cathethers, giving sets, cannulae [in hospital use only] Covered within outpatients limits
Admission benefits
Accomodation General ward not exceeding 65.00 per day, not to exceed 15 days per policy year
Feeding Not covered
Nursing care [in-hospital] Covered
Investigations inhospital Covered within outpatients limits
Prescribed medicines inhopsital Covered within outpatients limits
Prescribed medicines to take home Covered within outpatients limits
Emergency benefit
Road ambulance Covered
Stabilization Covered
Referral to higher level of care Covered
Maternity benefit
Antenatal consultations Covered within outpatients limits
Obstetric ultrasounds Up to 2 per pregnancy
Routine pregnancy medication [folic acid, iron, multivitamins, calcium] Covered up to GHC 20 per month within outpatient limit
Normal delivery Covered up to GHC800
Assisted delivery Covered up to GHC1,300
Caeserean section Covered up to GHC2,000
Postnatal consultation Once
Complications arising out of childbirth Covered up to GHC500.00; pre-approval required
Newborn benefit
Cover period 28 days
Neonatal conditions not congenital in nature for first 28 days of baby's life, provided mother is a policy holder Covered up to GHC1000
Circumcision for male babies within the first 28 days Covered up to GHC100
Surgery benefit
Theatre fees Up to GHC4,000 within inpatient limit in a policy year
Surgeons fee Up to GHC4,000 within inpatient limit in a policy year
Consumables Up to GHC4,000 within inpatient limit in a policy year
Recovery ward Up to GHC4,000 within inpatient limit in a policy year
Anaesthesia incl anaesthetist fees Up to GHC4,000 within inpatient limit in a policy year
Dental benefit
Basic dentistry Covered up to GHC400 within outpatient limit; preapproval required
Advanced dentistry Covered up to GHC400 within outpatient limit; preapproval required
Orthodontics Not covered
Cancer benefit
Investigations for diagnosis Not covered
Treatment Not covered
Eye care benefit
GP eye conditions Covered within outpatients limits
Ophtalmologist consultation Covered within outpatients limits
Opthalmology conditions Covered within outpatients limits
Eye surgery Covered up to 1,000
Lens only Up to GHC150 once in 2 year
Frame only Not covered
Rehabilitation benefit
Physiotherapy Up to 10 sessions per policy year with a maximum of GHC60.00 per session
Chiropractic Not covered
Mental health
Therapy sessions Not covered
Herbal medicine benefit
Herbal consultation
Herbal medicines from CPMR, Mampong and herbal units of GHS facilities Not covered
Dialysis
Acute renal dialysis Not covered
Area of Cover
Accra
Medical Consultation
GP Consultation Covered within outpatients limits
Specialist Consultation Covered within outpatients limits
Dietician Covered within outpatients limits
Investigations
basic laboratory investigations Covered within outpatients limits
advanced laboratory investigation Covered within outpatients limits
basic medical imaging [x-ray, ultrasound, ECG, endoscopy] Covered within outpatients limits
advanced medical imaging [MRI, CT, EEG, Echo] requested by specialists only Covered up to 2 images in a policy year; preapproval required
Medicines and medical consumables
Prescribed medication for acute conditions Covered within outpatients limits
Prescribed medication for chronic conditions Covered up to GHC1,200 within outpatient limit
Multivitamins Covered up to GHC15.00 per prescription and not to exceed one prescription per month
Infusions[in hospital use only] Covered within outpatients limits
Materials for dressing, sutures, bandages [in hospital use only] Covered within outpatients limits
Syringes, cathethers, giving sets, cannulae [in hospital use only] Covered within outpatients limits
Admission benefits
Accomodation General ward not exceeding 65.00 per day, not to exceed 15 days per policy year
Feeding Not covered
Nursing care [in-hospital] Covered
Investigations inhospital Covered within outpatients limits
Prescribed medicines inhopsital Covered within outpatients limits
Prescribed medicines to take home Covered within outpatients limits
Emergency benefit
Road ambulance Covered
Stabilization Covered
Referral to higher level of care Covered
Maternity benefit
Antenatal consultations Covered within outpatients limits
Obstetric ultrasounds Up to 2 per pregnancy
Routine pregnancy medication [folic acid, iron, multivitamins, calcium] Covered up to GHC 20 per month within outpatient limit
Normal delivery Covered up to GHC800
Assisted delivery Covered up to GHC1,300
Caeserean section Covered up to GHC2,000
Postnatal consultation Once
Complications arising out of childbirth Covered up to GHC500.00; pre-approval required
Newborn benefit
Cover period 28 days
Neonatal conditions not congenital in nature for first 28 days of baby's life, provided mother is a policy holder Covered up to GHC1000
Circumcision for male babies within the first 28 days Covered up to GHC100
Surgery benefit
Theatre fees Up to GHC4,000 within inpatient limit in a policy year
Surgeons fee Up to GHC4,000 within inpatient limit in a policy year
Consumables Up to GHC4,000 within inpatient limit in a policy year
Recovery ward Up to GHC4,000 within inpatient limit in a policy year
Anaesthesia incl anaesthetist fees Up to GHC4,000 within inpatient limit in a policy year
Dental benefit
Basic dentistry Covered up to GHC400 within outpatient limit; preapproval required
Advanced dentistry Covered up to GHC400 within outpatient limit; preapproval required
Orthodontics Not covered
Cancer benefit
Investigations for diagnosis Not covered
Treatment Not covered
Eye care benefit
GP eye conditions Covered within outpatients limits
Ophtalmologist consultation Covered within outpatients limits
Opthalmology conditions Covered within outpatients limits
Eye surgery Covered up to 1,000
Lens only Up to GHC150 once in 2 year
Frame only Not covered
Rehabilitation benefit
Physiotherapy Up to 10 sessions per policy year with a maximum of GHC60.00 per session
Chiropractic Not covered
Mental health
Therapy sessions Not covered
Herbal medicine benefit
Herbal consultation
Herbal medicines from CPMR, Mampong and herbal units of GHS facilities Not covered
Dialysis
Acute renal dialysis Not covered
Area of Cover
Accra
Medical Consultation
GP Consultation Covered within outpatients limits
Specialist Consultation Covered within outpatients limits
Dietician Not Covered
Investigations
basic laboratory investigations Covered within outpatients limits
advanced laboratory investigation Covered within outpatients limits
basic medical imaging [x-ray, ultrasound, ECG, endoscopy] Covered within outpatients limits
advanced medical imaging [MRI, CT, EEG, Echo] requested by specialists only Not Covered
Medicines and medical consumables
Prescribed medication for acute conditions Covered within outpatients limits
Prescribed medication for chronic conditions Covered up to GHC500 within outpatient limit
Multivitamins Not covered
Infusions[in hospital use only] Covered within outpatients limits
Materials for dressing, sutures, bandages [in hospital use only] Covered within outpatients limits
Syringes, cathethers, giving sets, cannulae [in hospital use only] Covered within outpatients limits
Admission benefits
Accomodation General ward not exceeding 65.00 per day, not to exceed 15 days per policy year
Feeding Not covered
Nursing care [in-hospital] Covered
Investigations inhospital Covered within outpatients limits
Prescribed medicines inhopsital Covered within outpatients limits
Prescribed medicines to take home Covered within outpatients limits
Emergency benefit
Road ambulance Covered
Stabilization Covered
Referral to higher level of care Covered
Maternity benefit
Antenatal consultations Covered within outpatients limits
Obstetric ultrasounds Up to 2 per pregnancy
Routine pregnancy medication [folic acid, iron, multivitamins, calcium] Covered up to GHC 20 per month within outpatient limit
Normal delivery Covered up to GHC800
Assisted delivery Covered up to GHC1,300
Caeserean section Covered up to GHC2,000
Postnatal consultation Once
Complications arising out of childbirth Covered up to GHC500.00; pre-approval required
Newborn benefit
Cover period 28 days
Neonatal conditions not congenital in nature for first 28 days of baby's life, provided mother is a policy holder Covered up to GHC1000
Circumcision for male babies within the first 28 days Covered up to GHC100
Surgery benefit
Theatre fees Up to GHC4,000 within inpatient limit in a policy year
Surgeons fee Up to GHC4,000 within inpatient limit in a policy year
Consumables Up to GHC4,000 within inpatient limit in a policy year
Recovery ward Up to GHC4,000 within inpatient limit in a policy year
Anaesthesia incl anaesthetist fees Up to GHC4,000 within inpatient limit in a policy year
Dental benefit
Basic dentistry Covered up to GHC400 within outpatient limit; preapproval required
Advanced dentistry Covered up to GHC400 within outpatient limit; preapproval required
Orthodontics Not covered
Cancer benefit
Investigations for diagnosis Not covered
Treatment Not covered
Eye care benefit
GP eye conditions Covered within outpatients limits
Ophtalmologist consultation Covered within outpatients limits
Opthalmology conditions Covered within outpatients limits
Eye surgery Covered up to 1,000
Lens only Up to GHC150 once in 2 year
Frame only Not covered
Rehabilitation benefit
Physiotherapy Up to 10 sessions per policy year with a maximum of GHC60.00 per session
Chiropractic Not covered
Mental health
Therapy sessions Not covered
Herbal medicine benefit
Herbal consultation
Herbal medicines from CPMR, Mampong and herbal units of GHS facilities Not covered
Dialysis
Acute renal dialysis Not covered
Area of Cover
Accra
Medical Consultation
GP Consultation Covered within outpatients limits
Specialist Consultation Covered within outpatients limits
Dietician Not Covered
Investigations
basic laboratory investigations Covered within outpatients limits
advanced laboratory investigation Covered within outpatients limits
basic medical imaging [x-ray, ultrasound, ECG, endoscopy] Covered within outpatients limits
advanced medical imaging [MRI, CT, EEG, Echo] requested by specialists only Not Covered
Medicines and medical consumables
Prescribed medication for acute conditions Covered within outpatients limits
Prescribed medication for chronic conditions Covered up to GHC500 within outpatient limit
Multivitamins Not covered
Infusions[in hospital use only] Covered within outpatients limits
Materials for dressing, sutures, bandages [in hospital use only] Covered within outpatients limits
Syringes, cathethers, giving sets, cannulae [in hospital use only] Covered within outpatients limits
Admission benefits
Accomodation General ward not exceeding 65.00 per day, not to exceed 15 days per policy year
Feeding Not covered
Nursing care [in-hospital] Covered
Investigations inhospital Covered within outpatients limits
Prescribed medicines inhopsital Covered within outpatients limits
Prescribed medicines to take home Covered within outpatients limits
Emergency benefit
Road ambulance Covered
Stabilization Covered
Referral to higher level of care Covered
Maternity benefit
Antenatal consultations Covered within outpatients limits
Obstetric ultrasounds Up to 2 per pregnancy
Routine pregnancy medication [folic acid, iron, multivitamins, calcium] Covered up to GHC 20 per month within outpatient limit
Normal delivery Covered up to GHC800
Assisted delivery Covered up to GHC1,300
Caeserean section Covered up to GHC2,000
Postnatal consultation Once
Complications arising out of childbirth Covered up to GHC500.00; pre-approval required
Newborn benefit
Cover period 28 days
Neonatal conditions not congenital in nature for first 28 days of baby's life, provided mother is a policy holder Covered up to GHC1000
Circumcision for male babies within the first 28 days Covered up to GHC100
Surgery benefit
Theatre fees Up to GHC4,000 within inpatient limit in a policy year
Surgeons fee Up to GHC4,000 within inpatient limit in a policy year
Consumables Up to GHC4,000 within inpatient limit in a policy year
Recovery ward Up to GHC4,000 within inpatient limit in a policy year
Anaesthesia incl anaesthetist fees Up to GHC4,000 within inpatient limit in a policy year
Dental benefit
Basic dentistry Covered up to GHC400 within outpatient limit; preapproval required
Advanced dentistry Covered up to GHC400 within outpatient limit; preapproval required
Orthodontics Not covered
Cancer benefit
Investigations for diagnosis Not covered
Treatment Not covered
Eye care benefit
GP eye conditions Covered within outpatients limits
Ophtalmologist consultation Covered within outpatients limits
Opthalmology conditions Covered within outpatients limits
Eye surgery Covered up to 1,000
Lens only Up to GHC150 once in 2 year
Frame only Not covered
Rehabilitation benefit
Physiotherapy Up to 10 sessions per policy year with a maximum of GHC60.00 per session
Chiropractic Not covered
Mental health
Therapy sessions Not covered
Herbal medicine benefit
Herbal consultation
Herbal medicines from CPMR, Mampong and herbal units of GHS facilities Not covered
Dialysis
Acute renal dialysis Not covered