Terms & Conditions

CHANGE OF POLICY OPTION

• Subscribers are not allowed to change policy or benefits within a policy year.

• Subscribers are not allowed on to existing policyholders (principal and beneficiary).

WAITING PERIOD 

• One-month waiting period.  

PREAUTHORIZATION

Preauthorization is required for certain services (Contact 0800 222 222) for assistance.

VALUE ADDED SERVICE

We aim to go the extra mile to delight and build sincere relationships with you by improving your access to healthcare through technology and innovative solutions seamlessly. These include:

• SMS claims alert:
For transparency and individual-level participation in their claims management process, subscribers receive real-time alerts.

• Alerts on premium payments and usage shall be made available via the provided mediums.

COMPLIANT MANAGEMENT

We go the extra mile to identify and address subscribers’ queries and complaints by adhering to scheme guidelines for optimum subscriber delight. Several communication channels are available for subscribers’ queries, policy clarification, recommendations, feedback, etc on our services. Subscribers should contact NMI.

• Toll-Free Call Centre:
This is a customer care center that has been designed and well-resourced to receive customer feedback and inquiries and to provide prompt assistance to all callers. Toll-free call center number is 0800 222 22

• DEFAULT IN PREMIUM PAYMENTS

Automatic deduction of arrears shall be effected.

A subscriber will be in Default when full payment has not been made within a policy year [payment cycle], the subscriber would need to pay outstanding premiums to be reinstated. No benefit will be lost. For Default extending into the end of the policy year, the policy will be canceled and a new subscription started. All requisite waiting periods and T&C applied. Premiums for the lapsed policy (above) would not be required

EXCLUSIONS:

The Policy shall not cover costs arising from hospitalization, bodily injury, sickness or disease directly or indirectly caused by, related to, or in consequence of: 

1. Rehabilitation other than physiotherapy 

2. Cosmetic surgery and Aesthetic Treatments 

3. Assisted Reproduction and Infertility treatment, Sexual and Erectile dysfunction, Family Planning, Contraception 

4. Intentional self–injury or illness resulting from drunkenness or drug addiction/substance abuse; cost arising from participating in a dangerous sport, riot, civil war, etc. 

5. Hepatitis treatment 

6. Dental: Dentures, crowns, bridges, artificial teeth, braces 

7. Alternative Treatment: Chiropractic procedures, Ayurveda, Acupuncture; mortuary services 

8. Slimming preparations, obesity treatment, and dietary supplements for non–anemic purposes 

9. Voluntary Medical Screening and Medical screening for non-medical purposes eg.visa, loan, etc applications 

10. Prosthesis [internal and external]; hearing aids 

11. Diagnosis and treatment overseas 

12. Treatment by a Medical Practitioner who is a relative of the Insured; 

13. Any treatment or condition which may be determined from time to time by the scheme will be duly notified to the policyholder at the expiration of the policy and before the renewal date. 

NOTE

MYHEALTH is a complimentary service to National Health Insurance Scheme (NHIS) all terms and conditions for NHIS apply. 

https://www.nhis.gov.gh/membership

FAQs

We’re always happy to answer any questions you have about our services.

Please call our team on 0800 222 222 if you can’t find an answer here or email us on info@nationwidemh.com

Do you have an age limit for MyHealth?

Can I register my family on MyHealth?

Will my children pay the same premium as my wife and I?

How many times can I visit the hospital within a year?

What is the cover period for the policy?

Can I see a specialist with my card?

Can I buy drugs over the counter with my insurance card?

Can I visit any Hospital in Ghana?

Where will I pay my premium?

What are the payment terms?

CONTACT INFORMATION:

Location: No. 25 Osu Avenue, Premier Place

Near the Ako Adjei Interchange

Ring Road East, Accra Ghana

Digital Address: GA-017-7813

Telephone: 0800 222 222; 0302 226892;

Website: www.nationwidemh.com

info@nationwidemh.com