GeraSure in Ghana 2026 — NIC-Regulated Insurance with MTN MoMo Premiums

Regulation: NIC, Insurance Act 2021, DPC, NHIA

Every policy on GeraSure is underwritten by an insurer licensed by the National Insurance Commission (NIC) of Ghana under the Insurance Act, 2021 (Act 1061). Motor third-party cover is compulsory under the Motor Vehicle (Third Party Insurance) Act and verified through the Motor Insurance Database (MID). Health policies coordinate with the National Health Insurance Authority (NHIA) and major private networks (Acacia, Glico, Enterprise, Hollard, Old Mutual, Star Life). Personal data is governed by the Data Protection Act 2012 (Act 843) under the Data Protection Commission. Claims disputes can escalate to the NIC Complaints Bureau.

Product range

• Motor third-party — compulsory under the Motor Vehicle Insurance Act.
• Motor comprehensive — private and commercial vehicles; towing in Accra and Kumasi.
• Health outpatient / inpatient — top-up to NHIS or standalone private cover.
• Home / contents — tenant or owner cover, theft and flood riders.
• Travel — ECOWAS and Schengen with COVID-19 cover.
• Life and funeral — term life, whole life, and family burial cover.
• Agricultural micro-insurance — index-based weather cover for smallholder farmers, in partnership with GeraFarm.
• Business / SME — shop cover, public liability, professional indemnity.

Example premiums in ₵

• Motor third-party (saloon car, 12 months): from ₵350
• Motor comprehensive (saloon, ₵150k value, 12 months): from ₵2,100
• Health outpatient top-up (individual): from ₵60 / month
• Home contents (3-bed, ₵80k value): from ₵480 / year
• Term life (₵200k cover, 35-year-old non-smoker): from ₵85 / month
• Travel ECOWAS (7 days): from ₵90
• Crop micro-insurance: from ₵50 / hectare / season

Mobile money premiums and claims

Buying a policy takes three minutes on MTN MoMo: pick the cover, confirm the MoMo number, approve the prompt. Auto-renewal is opt-in and will deduct on the anniversary unless you cancel. Claim payouts settle directly to your MoMo wallet, a Ghanaian bank via GhIPSS, or your GeraCash balance. For motor claims, a DVLA-licensed loss adjuster triages the report in-app with a photo upload and a 48-hour first response SLA.

Cities and partner network

Accident response and loss adjustment: Accra, Kumasi, Takoradi, Tamale, Cape Coast, Sunyani, Ho, Koforidua. Health provider network covers Korle-Bu Teaching Hospital, Komfo Anokye Teaching Hospital, Nyaho Medical Centre, Trust Hospital, Lister Hospital, Cocoa Clinic, Tetteh Quarshie Memorial, and the majority of Ernest Chemists / M&G pharmacies. Integration with GeraClinic means a top-up outpatient claim can be paid directly from the telemedicine receipt.

ECOWAS travel cover

The ECOWAS Brown Card is the mandatory third-party cover for vehicles crossing into fellow ECOWAS states. GeraSure issues Brown Card policies electronically at the border or in advance, with pricing in ₵ and digital proof on your phone. Schengen and UK-eligible travel policies are also available for business travellers and students.

How GeraSure compares in Ghana

Enterprise Insurance, Star Assurance, Hollard, and Glico are long-established carriers; Bima and aYo have pioneered mobile-first micro-insurance. GeraSure's differentiators: MoMo premium payment by default, in-app claims with a DPC-registered privacy notice, and cross-product SSO (the same ID and wallet as GeraClinic, GeraRide, GeraCash). We are a broker/tech layer on top of NIC-licensed insurers — we never underwrite directly, and every policy certificate names the NIC-licensed underwriter.

Related Gera products for Ghana

• GeraClinic in Ghana — outpatient telemedicine that pairs with GeraSure health top-ups.
• GeraRide in Ghana — drivers can buy commercial motor cover in two minutes.
• GeraFarm in Ghana — index-based crop micro-insurance for cocoa and horticulture.