Terms and Conditions

1. Introduction

Welcome and thank you for choosing to chat with GAB Health insurance Company LTD (“GAB Health” or “The Scheme”) on WhatsApp. This platform is created to help you get quick and simple assistance about your health insurance policy. By using this service, you agree to the terms listed below. If you do not agree, please do not continue with the chat.

2. Purpose of the Chat Service

The WhatsApp chat is provided to help you:

• Make quick enquiries about your health plan and benefits.
• Check the status of your claims or membership.
• Find out about accredited hospitals and partner clinics.
• Give feedback or report a concern.

This service is meant to make communication easy and fast, but does not replace human assistance, via our 24/7 call helpline, when deeper help is needed.

3. Who Can Use the Service

You may use this service if you are:

• A registered member of The Scheme.
• Eighteen years or older or have consent from a parent or guardian.
• Using a valid WhatsApp number and internet connection.

4. Privacy and Data Protection

Your privacy is important to us. All personal information you share — such as name, policy number, or contact — will be handled with due care according to Ghana’s Data Protection Act, 2012 (Act 843). We do not request or store your PIN details through this chat.

Please avoid sharing very personal or medical information unless necessary for your request. For more information, kindly refer to our official Privacy Policy on our website.

5. Accuracy of Information

The chatbot gives information based on what is available in our records at the time of your request. While we try to make all details correct, there may be slight differences in data or updates due to system synchronization delays, network interruptions, or differences in how data is refreshed across connected platforms (for example, between the chatbot, and the backend databases). Always verify with our Customer Care team before taking final action.

6. Service Availability

Our WhatsApp service is available throughout the day and night (24 hours service), but you may experience brief interruptions when we are updating our system or network issues occur. We will do our best to restore normal service quickly whenever that happens.

7. Your Responsibilities

As a user of this platform, you are expected to:

• Provide accurate and truthful information.
• Refrain from using offensive or abusive language.
• Use the service strictly for health-insurance-related matters.
• Not to share personal or private information while using the platform

If the service is misused, access may be restricted or withdrawn.

8. Consent to Communication

By chatting with us, you agree that we may send you messages such as policy reminders, premium alerts, and service updates through WhatsApp. You may stop receiving such messages at any time by sending us an official email or call our 24-hour service call center.

9. Third-Party Platform Notice

Please note that this chat runs on WhatsApp, which belongs to Meta Platforms. GAB Health has no control over how WhatsApp manages its data or services. We encourage you to read WhatsApp’s own privacy policy for a better understanding.

10. Limitation of Liability

GAB Health will not be responsible for:

• Any delays or interruptions in message delivery.
• Any errors or incomplete information received through the chat.
• Loss or damages caused by unauthorized access to your WhatsApp account.

You use this service at your own discretion.

11. Ownership and Use of Content

All information, text, and materials shared on this platform are the property of GAB Health They may not be copied, altered, or distributed without written permission.

12. Changes to These Terms

We may revise these Terms and Conditions from time to time. Updates will take effect immediately once communicated through WhatsApp or published on our website.

13. Governing Law

These Terms are governed by the laws of the Republic of Ghana. Any dispute that arises will be handled within the jurisdiction of the Ghanaian courts.

14. Contact Information

For further enquiries, complaints, or suggestions, please contact:

Customer Care: +233 55 772 2516
Email: info@ghic.com.gh
Website: www.ghic.gom.gh

15. Appreciation

We appreciate your trust in GAB Health. Our goal is to serve you better and make your health insurance experience easy, safe, and reliable.

GAB Health! Healthcare you can bank on!