# BIMA Ghana

> Mobile microinsurance and telemedicine for underserved Ghanaians

## At a glance

| Field | Value |
| --- | --- |
| Category | Specialty Solutions |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | Accra, Ghana |
| Founded | 2010 |
| Stage | Established |
| Employees | 201-500 |
| Funding | Series B |

## Overview

BIMA Ghana (operating as Milvik Ghana Ltd) is a mobile-first insurance and telemedicine platform serving low-income consumers in Ghana and other emerging markets. Operating under the MILVIK BIMA group, the company offers affordable life, health, and accident insurance products alongside on-demand doctor consultations to populations with limited access to traditional financial services.

The platform is delivered via mobile phone without documentation requirements. Customers register and pay premiums through USSD, mobile airtime, or mobile money services (MTN MobileMoney, Telecel Ghana). Insurance products are underwritten by Sanlam Allianz and start from GHc 18/month. BIMA was the first licensed telemedicine provider in Ghana and conducts over one million phone consultations annually across its global markets.

Since launching in Ghana in 2010, BIMA has served more than 2.5 million Ghanaians, paid over 65,000 claims, and distributed more than GHc 26M to customers. Globally, the MILVIK BIMA group has reached over 35 million people across six markets and achieved group-level profitability in 2024. In May 2026, the company announced a pending acquisition as part of a USD 119M digital health roll-up by Nasdaq-listed Mobile-health Network Solutions (MNDR) and Singapore-based Hector Capital.

## Products & services

### B\-Health

Entry-level hospitalization coverage at GHc 18/month providing benefits up to GHc 27,735. Includes free doctor consultations and maternity coverage. Designed for low-income households seeking basic health protection.

**Key features:**

- Hospital admission coverage up to GHc 27,735
- Free 24/7 doctor phone consultations included
- Maternity coverage
- Registration via mobile money or USSD \-\- no documentation required

*Target users:* Low\-income consumers and informal sector workers in Ghana

### B\-Care

Comprehensive healthcare package at GHc 36/month combining hospital coverage, laboratory services, and medications with 24/7 doctor access.

**Key features:**

- Hospital coverage
- Laboratory and diagnostic services
- Medication coverage
- Unlimited 24/7 doctor consultations

*Target users:* Families seeking broader health protection

### B\-Life

Life insurance at GHc 25/month providing family coverage up to GHc 7,476. Includes disability benefits and a bonus component. Targeted at informal sector workers and their dependents.

**Key features:**

- Family life coverage up to GHc 7,476
- Disability benefits
- Bonus benefits
- Premium payment via mobile money or airtime

*Target users:* Informal sector workers and gig economy participants

### Group Insurance

Corporate insurance covering employee health, accident, and telemedicine for businesses operating in the formal and gig economy sectors. Group enrollment discounts available.

**Key features:**

- Employee health and accident coverage
- Telemedicine access for enrolled employees
- Group discount pricing
- Coverage for gig economy platforms

*Target users:* Employers and gig economy platforms

### Telemedicine \-\- 24/7 Doctor Consultation

On-demand phone-based medical consultations available around the clock. Accessible via USSD on AT Insurance or through MTN MobileMoney. BIMA was Ghana's first licensed telemedicine provider.

**Key features:**

- 24/7 phone access to licensed doctors
- USSD and mobile money access channels
- No app download required
- Available to all BIMA insurance product holders

*Target users:* All BIMA insurance customers across Ghana

## Category & focus

- Subcategories: Mobile microinsurance, telemedicine, embedded insurance
- Insurance verticals: Life & Annuity, Health
- Target customers: Consumers

## Notable customers

- MTN Ghana subscribers via MTN MobileMoney integration
- Telecel Ghana subscribers
- Gig economy workers on Moove, Gigmile, and MAX platforms
- Informal sector workers across Ghana

## Links

- Website: <https://bima.com.gh>
- Directory profile: <https://insurtechlist.com/companies/bima-ghana/>
- Linkedin: <https://gh.linkedin.com/company/bima-ghana>
- Press/news: <https://bima.com.gh/news-updates>

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*Last updated: 2026\-06\-13*