Privacy Policy

Effective Date: 1st November 2025

1. Introduction

GAB Health Insurance Company LTD (“GAB Health,” “we,” “our,” or “us”) values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and protect your personal data when you interact with us — whether through our website, WhatsApp chat, mobile app, email, call center, or in-person at our offices.

We comply with the Data Protection Act, 2012 (Act 843) of Ghana and other applicable data privacy laws. By using our services, you consent to the terms outlined in this policy.

2. Information We Collect

We may collect and store the following types of personal information about you:

• Personal details: Name, gender, date of birth, residential address, email, phone number, and Ghana Card or other ID numbers.
• Policy information: Membership or policy number, plan type, premium payments, and dependents’ details.
• Health and claims data: Medical information relevant to policy administration, claims history, and healthcare provider usage.
• Financial information: Payment history, bank details, or mobile money account (for processing claims and payments).
• Communication records: Messages, feedback, or queries through WhatsApp, email, or customer service lines.
• Technical data: Device details, IP address, browser type, and usage data when you visit our website or use our online services.

We only collect information necessary for legitimate business purposes, service delivery, and regulatory compliance.

3. How We Use Your Information

We use your personal information to:

• Register and manage your health insurance policy.
• Process claims, reimbursements, and benefits.
• Communicate with you about your plan, renewals, or service updates.
• Improve customer experience and respond to your enquiries.
• Prevent fraud, manage risks, and maintain service quality.
• Meet legal, accounting, and regulatory obligations under Ghanaian law.
• Send you notifications, reminders, and relevant information about our services.

Your information will never be sold to third parties for marketing purposes.

4. How We Share Your Information

We may share your personal information under strict confidentiality with:

• Healthcare providers (hospitals, clinics, pharmacies) for claims verification and service delivery.
• Regulatory bodies such as the National Health Insurance Authority (NHIA) or Data Protection Commission when required by law.
• Auditors and legal advisers for compliance and governance purposes.

All partners handling your information are required to keep it secure and use it ONLY for the purpose for which it was shared.

5. How We Protect Your Information

We use reasonable technical, physical, and administrative measures to protect your personal information from loss, misuse, or unauthorized access. These measures include secure servers, access controls, password protections, and regular security reviews.

While we take all necessary precautions, no electronic system is completely free from risk. We therefore encourage you to safeguard your own information, especially when communicating online.

6. Retention of Information

We keep your personal information only for as long as needed to fulfil the purposes outlined in this policy — or as required by law, regulation, or contractual obligation. When data is no longer required, it is securely deleted or anonymized.

7. Your Rights

Under Ghana’s Data Protection Act, you have the right to:

• Access the personal data we hold about you.
• Request correction or update of inaccurate information.
• Withdraw consent for specific processing activities (where applicable).
• Request deletion or restriction of your personal data.
• Lodge a complaint with the Data Protection Commission if you believe your data is being misused.

To exercise these rights, contact us via the details provided in section 10.

8. Cookies and Online Data

Our website may use cookies and related technologies to improve user experience and collect usage statistics. You can manage or disable cookies through your browser settings. However, disabling cookies may affect certain website functionalities.

9. Updates to This Policy

We may review and update this Privacy Policy from time to time. When we do, the new version will be published on our website and may also be shared through our digital channels. We encourage you to check this page regularly to stay informed of any changes.

10. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or how your data is handled, please reach us at:

GAB Health Insurance Company LTD
Head Office: No. 2 C943/2 Plot 55, 2nd Ridge Link
Johnson Sirleaf Road
North – Ridge, Accra
GPS Address: GA-015-6791
Telephone: 030 225 5406
Email: info@ghic.com.gh
Website: www.ghic.com.gh

11. Governing Law

This Privacy Policy is governed by the laws of the Republic of Ghana. Any dispute arising in relation to this policy shall be handled within the jurisdiction of Ghanaian courts.

Appreciation

At GAB Health, we appreciate your trust and remain committed to protecting your personal data while delivering safe, transparent, and reliable health insurance services to all our clients.

GAB Health! Healthcare you can bank on!