How it works
Getting covered is simple.
From quote to cover in minutes — then real-time care at trusted facilities, backed by a claims process that pays providers on time.
For members
Four steps to cover.
Get a quote
Choose individual, family, or group cover and see your premium and benefits up front. No paperwork to start.
Verify your Ghana Card
A quick, secure identity check with the National Identification Authority confirms who you are — no physical forms.
Pay your premium
Pay by MTN MoMo, Telecel Cash, AT Money, card, bank transfer, or employer payroll — securely through MojoPay.
You're covered
Carry a digital membership card and visit any in-network, HeFRA-licensed facility. Your eligibility is confirmed in real time.
When you need care
How a claim flows.
Behind the scenes, every visit is verified, adjudicated, and settled — transparently.
Eligibility check
The provider confirms your active cover, benefits, and any waiting periods in real time.
Pre-authorisation
High-cost or specified services are approved before treatment, so there are no surprises.
Claim submission
The provider submits the claim online with the required detail and attachments.
Adjudication & settlement
Claims are checked against your benefits and limits, then settled to the provider — with a full audit trail.