BIMA, the country’s leading provider in mobile delivered health and insurance services, unveiled its new B-Health and B-Life insurance policies. BIMA has pioneered the use of mobile phones to deliver insurance products to the underserved population in Ghana since 2010. BIMA continues to innovate in the insurance space, using technology to ensure easy and affordable access to insurance and health services to every Ghanaian.
Damien Gueroult, Country Manager of BIMA Ghana, said: “We have been serving the informal sector for the past 10 years. During this time, we realized that our customers’ needs go far beyond providing support with hospitalization and funeral costs. Our customers want easy access to doctors and assistance with casual health expenses from their insurance company. They also want cash-back when they do not make claims. With this insight, we were able to provide our customers with what they want through our new B-Health and B-Life policies. This makes us the company of choice for all Ghanaians when it comes to protecting their family against unforeseen circumstances”.
With the B-Health policy, customers and their families have unlimited access to qualified medical practitioners over the phone, cash support for buying medicine and a cash payout of up to Ghs 1,500 if they need to stay in hospital.
B-Health will allow customers to access doctors before commuting long distances or spending hours in clinic waiting rooms. B-Health offers a one-stop health solution, where customers can opt for health coaching programs, receive e-prescriptions via SMS and discounts when referred to BIMA’s partnered network of over sixty laboratories and hospitals.
The B-Life policy provides financial cover of up to Ghs10,000 against funeral expenses or loss of income due to permanent disabilities.
These policies, underwritten by Allianz Life Ghana are just, Ghc 6 or Ghc 10 per month. Payments can be made via any AirtelTigo Money and MTN Mobile Money wallet. Michael Acolatse, BIMA’s Head of Mobile Money, commented: “The recent surge in mobile money penetration and usage is a true enabler for BIMA. Not only is it a convenient mode of payment for our customers, but it also enables us to refund customers, pay claims and send cash support in a quick, secure and paperless manner”.
CEO of Allianz Insurance, Gideon Ataraire, said: “We are proud to partner with BIMA to bring these two innovative products to the market. For a long time, telemedicine was only accessible to wealthy customers in developed countries. Through products like B-Health, Ghanaians will be able to truly leapfrog their access to healthcare for as little as Ghc 6.”
Mr. Kofi Andoh, the Deputy Commissioner of the National Insurance Commission said mobile-delivered insurance has played a key role in raising the insurance coverage in the country. He is glad to see companies like BIMA thinking out-of-the box and continuing to bring innovations to the insurance sector that help strengthen financial inclusion in Ghana.