In Ghana, Acacia Health Insurance Limited ranks as the leading private health benefits provider, and therefore the best option for households, enterprises and institutions seeking to ensure the good health of their members.
Acacia Health Insurance Ltd started as a Private Health Insurance Scheme in 2012. It began as a mutual health scheme but became fully commercialised in 2015. It is currently the number one ranked health benefits provider in Ghana and has won various accolades including – Health Insurance Provider of the year 2018 (West Africa Health Excellence Awards), Fastest Growing Health Insurance Company 2017 (Ghana Insurance Awards), Best Marketing Initiative 2017 – Health Insurance (Ghana Insurance Awards) and recently was inducted into Ghana Club 100, as a first-time entrant (No. 22 GC100 Awards).
Currently, the scheme has over 28,000 policy holders mainly employees of corporate organisations in Ghana and works with over 550 accredited Service Providers across the country to provide comprehensive healthcare for all its members. There are various product options specially designed to cater for all categories of businesses and levels of employees. Each of these options offers a medical care package which include amongst others hospital consultations, surgeries, dental care and prescribed drugs.
The vision of Acacia is “To build the most innovative, effective and profitable private health care services system and become the dominant health care benefits provider in Ghana”
The vision of Acacia is “To build the most innovative, effective and profitable private health care services system and become the dominant health care benefits provider in Ghana”
Already, this corporate vision is being fulfilled, as Acacia executes its mission of introducing innovative products and benefit options that offer higher value than those offered by its competitors; applying appropriate technology to deliver strong customer service; and promoting qualitative interfacing wit both its customers and its service providers, connecting both to ensure continual improvement of insurance plans and associated medical services.
To be sure Acacia offers clear competitive advantages over healthcare schemes offered by other private health insurance schemes in Ghana. One is that its benefits packages are the most comprehensive available in Ghana, covering up to 99 percent of all health conditions. Crucially, these are available in all the regions of Ghana and are delivered with great customer service. Indeed, Acacia offers a 24 hour call centre ready to attend to all customer needs as and when they arise.
Another is that it offers quicker processing and payment of service provider claims, which makes them willing and ready to deliver their products and services to Acacia’s clients at all times. This is made possible in part by Acacia’s excellent IT support for its claims’ management.
Underpinning all this is the most experienced management team in the industry.
In addition to its core competitive advantages, Acacia also offers an array of value added benefits.
For instance its customers have access to Acacia Medical Centre, an ultramodern well–equipped hospital located in East Legon, for all their Annual Medical Screening and out-patient needs.
Acacia also offers an on-call ambulance service ready to meet customers health need in time of emergency and this is accessible to all clients in an around Accra and Tema.
Staff health utilization reports can be provided to corporate/institutional customers on a quarterly basis if so desired. This allows for the HR manager to have a quick review of staff health status.
International Health Insurance packages are available with cover across Africa and indeed all around the world, provided through Acacia’s international partners. In line with this, Acacia also offers Medical Tourism Services whereby provision can also be made for treatment overseas with its partners in UAE, India and other world class health centres around the world.
Furthermore, Acacia offers a range of optional critical care services excluded from its standard benefits packages, but provided on demand.
One of these is Medical Referral Assistance whereby staff and dependants of Acacia’s customers will be assisted with medical referrals at 37 Military Hospital, Korle-bu and Komfo-Anokye Hospital. Also, Acacia Health makes available ‘mobile medicine’ services for the staff of clients at a minimal fee at their convenience.
Acacia currently offers four premium-based health benefits products each designed to meet the peculiar needs and circumstances of the different types of customer that makes up its client-base.
The Acacia Unicare plan is the budget or base plan. It provides basic cover to the corporate organisation that has to run staff health care on a tight budget. It provides both In and out patient cover with some additional cover for optical and dental care
The next level of benefits cover is the Acacia Premier care package. This covers out-patient and in-patient services with additional cover for maternity optical and dental care. This plan provides customers with a sound mind when it comes to healthcare.
Then there is the Acacia Supercare package which offers wider health services coverage, with generous limits for optical, dental maternity and most surgeries. This enhanced plan also gives policy holders an annual medical examination to help them access routine medical check-up.
Finally there is the Acacia Supercare Plus plan, which is the ultimate healthcare cover. With access to the entire Acacia Service provider list, customers key staff whose worth is essential to the running of their respective organisations have an almost unending limit on their health benefits card.
Between these four healthcare packages, clients of Acacia Health are protected against the perils of ill-health through disease and physical injury, which are all too real.
