A year after the dreaded COVID 19 pandemic first arrived in Ghana, health issues are firmly on the front burner of the national consciousness. With severe pressure on both the public health system and the National Health Insurance Scheme, private health insurance currently has more appeal than ever before and Acacia Health Insurance, ranking as the leading private health benefits provider in the country, is being recognized across Ghana as the best option for enterprises and institutions seeking to insure the health of their members.
In its current form, Private health insurance is patronized primarily by corporate Ghana with very few households in the middle and upper class considering it as an option. A basic due diligence checks on players within the private health insurance industry will confirm Acacia’s superiority over its competitors. Instructively it has won many awards since it started operations in 2012, the latest ones been Private Health Insurance Brand of the Year at the 2020 Ghana Insurance Awards and Most Promising Company of the Year at the 2020 at the WAHEA Awards.
Currently, the schemes operated by Acacia has over 30,000 policy holders mainly employees of corporate organizations in Ghana and are serviced by over 600 accredited Service Providers (HSPs) across the country. These HSPs 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.
Acacia offers a clear competitive advantage over healthcare schemes offered by other private health insurance schemes in Ghana. First and foremost, Acacia’s benefits packages are the most comprehensive in terms of health care cover in Ghana, covering up to 99 percent of all health conditions. Crucially, access to care is available in all the 16 regions of Ghana and delivered by accredited service providers. All this is delivered with great customer service from team Acacia with its 24-hour call Centre service ready to respond to all customer needs as and when they arise.
Another competitive advantage is that Acacia offers quicker processing and payment of service provider claims, which makes them willing and ready to deliver their services to Acacia’s clients at all times. This is made possible in part by Acacia’s excellent IT support for its claims’ management. Acacia pays providers twice as fast as all other private health insurance companies.
Underpinning all this is the Acacia’s managerial competency as it uses the services of the most experienced management team within the industry.
In addition to its core competitive advantages and standard benefits, 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 Medical Centre 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. Acacia recently launched its mobile application that brings all of its insured members closer to the company. The app offers Acacia clients the opportunity to keep all their medical information at one place, search and find all acacia accredited service providers, and the to help clients develop health habits with our regular health tips and reminds.
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 also available with cover all around the world, provided through Acacia’s international partners. Furthermore, Acacia offers a range of optional critical care services excluded from its standard benefits packages, but provided on demand.
In terms of products, Acacia currently offers four premium-based health benefits packages each designed to meet the peculiar needs and circumstances of the different types of customer that makes up its client-base. These benefits are labelled Unicare, Premiercare, Supercare and Supercare Plus Packages.
The Acacia Unicare plan is the budget or base plan. It provides basic cover to the corporate organization 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.
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 organizations have an almost unending limit on their health benefits card.
As companies review their health care needs and consider the options available to them, Acacia superior benefits and service should feature among the options for consideration.