GAB HEALTH INSURANCE

Frequently Asked Questions (FAQs)

Get quick answers to common questions about health plans, claims, provider access, wellness programs, and account services.

Frequently Asked Questions

At GAB Health Insurance Company LTD, we believe in transparency and clarity. Whether you’re an individual, family, or corporate client, these FAQs are designed to help you better understand our health insurance solutions and how to make the most of your benefits. If you don’t find what you’re looking for, our support team is always ready to assist.

1. Membership & Enrollment

The HR Department of your organization will submit staff and dependents’ details to GAB Health . A link will be sent to you for onboarding, and afterward you can download the GAB Health Mobile App to enroll yourself and your dependents.

For staff who are not tech-savvy, GAB Health’s IT Team can assist with manual onboarding.

 
Coverage depends on the plan your company selected. If dependents are allowed, update your HR Department so GAB Health can adjust your cover. If your company does not allow dependent coverage, your marriage or childbirth does not affect your membership.
 
You must return your insurance card (and dependents’ cards) to HR. GAB Health will be notified to terminate your coverage. Continued membership depends on continued employment with your company.
 
Yes. It covers all permanent staff under age 60, as provided by your HR/Management.
 
You and your spouse must be below 60 years. Children must be under 18, and up to 21 if still in school.
 
Those above age 60 are not covered under this scheme. GAB Health has a separate retirees’ package through Safety Insurance Brokers Limited (SIBL).
 
Yes. You must obtain HR approval and do the top-up within 90 days of policy start. After 90 days, you must wait until the next policy year.
 
No. The Individual Plan covers only the employee. Each family member would need their own individual plan if the employer allows it.
 

2. Benefits, Coverage & Limits

No. Insurance is based on pooled contributions. Even if you don’t use your quota, other contributors may use theirs.
 
You may still access healthcare, but you must pay out-of-pocket. GAB Health alerts you and your HR once you exceed 70% of your usage.
 
Yes, maternity is covered with a limit based on your plan. This applies to female staff and spouses of male staff.
 
Any cost above your maternity limit must be borne by you. Babies under 28 days are covered for free before needing full registration onto the scheme.
 
Twins are treated as two separate lives under the policy.
 
A wide range of illnesses are covered. Details are available on the GAB Health website, brochure, mobile app, or through the hotline.
 
These refer to annual caps on Out-Patient, In-Patient, Surgical, and Dental services within your plan. They prevent overspending and ensure services are available all year.
 
It means GAB Health must approve certain medical procedures before they are performed, to protect your interest and control unnecessary costs.
 
Your organization has a copy. If you need one, GAB Health can provide soft or hard copies upon request.
 

3. Accessing Healthcare Facilities

No. Insurance is based on pooled contributions. Even if you don’t use your quota, other contributors may use theirs.
 
Yes. Visit the insurance desk at OPD and identify as a GAB Health client. If you receive poor service, call GAB’s Call Centre immediately.
 
Yes. If your new location has GAB network facilities, you can use them immediately. Contact HR or GAB Health to update your records.
 
The full list will be provided after registration. You can also check the GAB Health Mobile App anytime for hospitals, pharmacies, labs, dental, and optical providers.
 
Yes, but only with a valid prescription signed and stamped by a qualified medical officer.
 
Call GAB Health immediately using the numbers printed behind your insurance card for assistance.
 

4. ID Cards, Verification & Dependents

Yes. If unavailable, memorize your e-card number or keep a photo of it on your phone. You may be denied care without it, especially on your first visit.
 
Report the loss through your HR so GAB Health can issue a replacement at a fee.
 
No. Each dependent will receive their own card. Benefits are not transferable.
 

5. Service Quality & Complaints

Report immediately through the Call Centre numbers listed behind your GAB Health insurance card for redress.
 
Submit your questions through your HR or contact GAB Health’s Call Centre for immediate assistance.
 

6. GAB Insurance Operations & Financial Strength

Yes. GAB Health provides quarterly analytical reports. The company uses a mobile app, web platforms, and an interactive website for efficient data management.
 
Yes. GAB Health is owned by the Ghana Association of Bankers and follows strict financial protocols. Actuarial reports confirm its sustainability, and the scheme operates commercially and profitably.