Kora Insurance: Accessible Health Coverage for All Ghanaians
The Insurance Ghana Deserves
Two years ago, we partnered with Sanlam Allianz to build the technology infrastructure for modern health insurance in Ghana. We created APIs, claims automation, provider networks, and mobile apps.
The technology worked. But we learned that technology alone isn't enough. Insurance products themselves needed to be reimagined.
Today, we're launching Kora Insurance: a new health insurance brand built on our technology platform, designed specifically for the needs, preferences, and realities of Ghanaian families.
Why "Kora"?
Kora comes from the Akan word meaning "protect." It captures our core mission: protecting the health and financial wellbeing of Ghanaian families. We also chose it because it's short, memorable, and sounds modern: reflecting the fresh approach we're bringing to insurance.
Kora Insurance isn't your parents' insurance company. It's insurance for the smartphone generation, for digital natives, for people who expect services to work seamlessly.
What's Wrong with Health Insurance Today?
Before building Kora, we spent months talking to Ghanaians about their insurance experiences. The feedback was brutally honest:
"It's Too Complicated"
Policy documents are written in dense legal language. Coverage exclusions are hidden in fine print. Understanding what you're buying requires a law degree.
"Claims Are a Nightmare"
The traditional process:
- Pay hospital bill out-of-pocket
- Collect receipts and forms
- Submit to insurance (often requiring physical submission)
- Wait weeks or months
- Maybe get reimbursed, maybe get partial payment, maybe get rejected without clear explanation
- Argue with customer service if denied
Many people give up halfway through. Insurance that doesn't pay out isn't insurance: it's a scam.
"It's Not Worth the Cost"
Premiums seem expensive, coverage seems limited, and the hassle of using it makes people question whether it's worth having.
"I Don't Know Where to Use It"
Limited provider networks mean traveling long distances for in-network care or paying extra for convenience.
"The Customer Service is Terrible"
Try calling most insurance companies. You'll wait on hold, get transferred multiple times, talk to people who can't answer your questions, and eventually give up in frustration.
We built Kora Insurance to fix every single one of these problems.
How Kora Is Different
1. Crystal Clear Coverage
No more dense policy documents. Kora's coverage is explained in plain language with visual aids.
Plan Comparison Tool: Our app lets you compare plans side-by-side:
- What's covered (with real examples)
- What's not covered (clearly explained)
- Cost per month
- Out-of-pocket costs (deductibles, co-pays)
- Coverage limits
Coverage Checker: Wondering if something is covered? Ask our app:
- "Is physiotherapy covered?"
- "Can I get an MRI?"
- "What about traditional medicine?"
Instant answers. No calling customer service.
2. Cashless Healthcare
Walk into any Kora partner hospital with just your phone. No cash, no forms, no waiting for reimbursement.
How It Works:
- Show your digital Kora card (in the app)
- Hospital verifies your coverage in seconds
- Receive care
- Walk out without paying
The hospital bills Kora directly. We pay them within 48 hours. You never see an invoice.
Current Network:
- 120+ hospitals and clinics
- 300+ pharmacies
- 80+ diagnostic labs
- All major hospitals in Accra, Kumasi, Takoradi, Cape Coast, Tamale
- Expanding daily
3. Easy Claims (When Needed)
If you receive care outside our network (traveling, emergency, specialist), claims are simple:
- Snap a photo of your receipt in the Kora app
- Upload (takes 10 seconds)
- AI processes your claim automatically
- Get paid via mobile money within 24-48 hours
No forms. No mailing receipts. No waiting months.
Claim Status Tracking: Watch your claim progress in real-time:
- Submitted ✓
- Under Review
- Approved ✓
- Payment Sent ✓
If denied, you get a clear explanation and appeal options.
4. Affordable Plans
Kora offers plans for every budget:
Kora Basic
- GHS 80/month
- Outpatient care
- Basic diagnostics
- Pharmacy coverage (generic medications)
- Emergency care
- Perfect for healthy young adults
Kora Plus
- GHS 150/month
- Everything in Basic, plus:
- Specialist consultations
- Advanced diagnostics (MRI, CT scan)
- Surgery and hospitalization
- Maternity care (optional add-on)
- Chronic disease management
- Our most popular plan
Kora Premium
- GHS 280/month
- Everything in Plus, plus:
- No deductibles or co-pays
- International coverage (West Africa)
- Dental and vision care
- Mental health (unlimited sessions)
- Wellness benefits (gym, nutrition counseling)
- Priority customer service
Family Plans
- Add family members at reduced rates
- Shared family deductible
- Coverage for children at 40% discount
Senior Plans
- Optimized for 60+ age group
- Chronic disease management focus
- Home healthcare included
- Affordable premiums despite age
5. Instant Customer Service
No more waiting on hold.
In-App Chat: 24/7 AI-powered chatbot handles common questions instantly. Complex issues are escalated to human agents who respond within minutes.
Phone Support: Call our hotline and actually reach a human:average wait time under 60 seconds.
WhatsApp: Prefer WhatsApp? Message us there. We respond.
Email: Send an email, get a response within 4 hours (not 4 days).
Social Media: Tweet or DM us on Twitter/X or Facebook. We monitor and respond.
6. Preventive Care Incentives
Kora rewards you for staying healthy:
Free Annual Checkup: Comprehensive health screening every year at no cost.
Wellness Points: Earn points for healthy behaviors:
- Complete annual checkup: 500 points
- Regular exercise (tracked via wearables): 50 points/week
- Medication adherence: 100 points/month
- Quit smoking: 1000 points
Redeem Points For:
- Premium discounts
- Gift cards
- Health products
- Donations to charity
Goal: Shift from paying for sickness to incentivizing wellness.
The Kora Mobile Experience
Kora brings modern technology to health insurance through our mobile app:
Mobile App Features (iOS & Android)
- Digital insurance card
- Coverage checker
- Provider finder with GPS
- Claims submission via photo
- Telehealth consultations
- Health record access
- Payment management
- Customer support chat
Fast Claims Processing
- Submit claims by taking photos of receipts
- Automated review and approval for standard claims
- Quick payment via mobile money
- Complex cases reviewed by our medical team
Provider Integration
- Instant eligibility verification at partner facilities
- Electronic pre-authorization for procedures
- Direct billing and settlement
- Shared health records (with your consent)
Security & Privacy
- Bank-level security
- Biometric authentication options
- Compliance with data protection standards
- Regular security audits
Plans for Every Life Stage
Young Professionals (20s-30s)
Recommended: Kora Basic or Plus
Young, healthy, but want coverage for emergencies and unexpected illnesses. Kora Basic provides essential protection at a price that fits an early-career budget.
Key Benefits:
- Accident coverage
- Emergency care
- Basic preventive care
- Affordable monthly premium
Families
Recommended: Kora Plus Family Plan
Parents with children need comprehensive coverage that doesn't break the bank.
Key Benefits:
- Pediatric care for children
- Maternity coverage option
- Family deductible (saves money)
- Discounted rates for multiple members
Expecting Mothers
Recommended: Kora Plus + Maternity Add-On
Pregnancy and childbirth can be expensive. Kora's maternity coverage includes:
- Prenatal care (all visits)
- Delivery (vaginal or cesarean)
- Postnatal care
- Newborn care (first 30 days)
- Breastfeeding support
- Obaatanpa Care remote monitoring (included!)
Seniors (60+)
Recommended: Kora Senior Plan
Designed for older adults with chronic conditions requiring regular care.
Key Benefits:
- Chronic disease management (diabetes, hypertension)
- Specialist consultations
- Home healthcare included (Nugli Health)
- Medication coverage
- No age-based premium increases
Individuals with Chronic Conditions
Recommended: Kora Premium
Living with diabetes, hypertension, asthma, or other chronic conditions requires ongoing care. Kora Premium removes financial barriers:
- Unlimited specialist visits
- Full medication coverage
- Regular monitoring and tests
- Nugli Health for home-based care
Real People, Real Stories
Kwame's Emergency
Kwame, 34, a software engineer with Kora Basic, experienced severe chest pain one night. He went to the emergency room at Nyaho Medical Centre.
With traditional insurance, he would have paid out-of-pocket (potentially thousands of cedis), then filed a claim, and waited months for reimbursement.
With Kora:
- Showed his digital insurance card
- Received immediate care (ECG, blood tests, observation)
- Discharged the next morning (thankfully, not a heart attack:just severe acid reflux)
- Paid nothing
"I was stressed enough about the chest pain," Kwame said. "Kora made sure I wasn't also stressed about money. That's what insurance should do."
Ama's Pregnancy
Ama enrolled in Kora Plus with maternity coverage when she found out she was pregnant.
Her coverage included:
- All prenatal checkups (12 visits)
- Ultrasounds and tests
- Obaatanpa Care remote monitoring
- Delivery at Motherlove Care Hospital
- 3-day hospital stay
- Newborn care
Total cost without insurance: ~GHS 8,000 Ama's out-of-pocket cost: GHS 0 (paid monthly premiums of GHS 180 during pregnancy)
"Having Kora meant I could focus on my pregnancy, not worry about paying for care," Ama said.
Kofi's Diabetes Management
Kofi, 58, was diagnosed with Type 2 diabetes five years ago. His monthly medication costs were GHS 250+, plus quarterly doctor visits and lab tests.
After enrolling in Kora Senior:
- Monthly premium: GHS 200
- Medication: Fully covered
- Doctor visits: Fully covered (no co-pay)
- Lab tests: Fully covered
- Nugli Health nurse visits at home twice monthly: Included
"I'm saving money while getting better care," Kofi said. "My diabetes is under control, I feel great, and insurance actually pays for everything."
Corporate Wellness Programs
Kora partners with companies to offer employee health insurance:
Group Plans:
- 15% discount for companies with 10+ employees
- 25% discount for companies with 50+ employees
- Custom plan design for specific company needs
Employee Benefits:
- Premium partially or fully paid by employer
- Family coverage options
- Direct enrollment through company HR
- Simplified administration
Employer Benefits:
- Healthier, more productive employees
- Reduced absenteeism
- Attractive recruitment and retention benefit
- Tax advantages
- Easy administration through our platform
Current Partners: We're working with tech companies, banks, NGOs, and other organizations to provide employee coverage.
Integration with Summer Health Ecosystem
Kora Insurance isn't standalone: it's part of a comprehensive health ecosystem:
Nugli Health
All Kora Premium members get free home healthcare visits through Nugli Health:
- Doctor consultations at home
- Nursing care
- Lab sample collection
- Medication delivery
Obaatanpa Care
Pregnant women with maternity coverage automatically get free Obaatanpa Care remote pregnancy monitoring:reducing complications and improving outcomes.
Summer Health Foundation
A portion of Kora premiums funds Summer Health Foundation programs providing free care to underserved communities:your insurance helps others too.
Partner Hospitals
Direct integrations with 120+ partner hospitals ensure seamless, cashless care.
Transparent Pricing
We believe in pricing transparency. Here's how Kora premiums are calculated:
What You Pay For:
- Medical claims (largest portion:we pay your healthcare costs)
- Administrative costs (running the platform, customer service)
- Technology (app development, AI, infrastructure)
- Reserve fund (ensuring we can pay future claims)
- Regulatory compliance
- Profit margin (reasonable, to sustain business)
What You Don't Pay For:
- Marketing bloat (we grow through word-of-mouth and digital)
- Physical offices (we're digital-first, keeping overhead low)
- Paper processes (everything is digital)
- Excessive executive compensation (lean team, fair pay)
Result: Better coverage at lower prices than traditional insurance.
Easy Enrollment
How to Join:
- Download Kora App (iOS/Android)
- Choose Your Plan (comparison tool helps you decide)
- Enter Details (Ghana Card for verification)
- Make First Payment (mobile money, card, bank transfer)
- Get Covered (insurance active within 24 hours!)
No medical exams. No lengthy forms. No waiting periods for most conditions.
Pre-Existing Conditions: We cover pre-existing conditions after a 6-month waiting period (industry standard). But unlike many insurers, we don't permanently exclude them.
The Road Ahead
Kora Insurance is launching with ambitious goals:
2025 Targets:
- 50,000 policyholders by December 2025
- 200+ partner hospitals
- Expand to all 16 regions of Ghana
- Launch corporate wellness programs with 100+ companies
- Achieve 95%+ customer satisfaction
2026 Vision:
- 200,000 policyholders
- Regional expansion (Nigeria, Kenya)
- New product lines (dental, vision, specialized)
- Microinsurance for low-income Ghanaians
- International coverage for frequent travelers
Our Commitment
Kora Insurance makes these promises:
We Will Always:
- Be transparent about coverage and costs
- Process claims quickly and fairly
- Provide excellent customer service
- Innovate to improve your experience
- Treat your data with utmost security
- Advocate for your health
We Will Never:
- Hide exclusions in fine print
- Deny legitimate claims to save money
- Make you wait months for reimbursement
- Ignore your calls or messages
- Sell your data
- Prioritize profits over patient care
These aren't just words: they're commitments we're accountable to.
Join the Kora Movement
Health insurance doesn't have to be frustrating, expensive, or unreliable. Kora proves it can be simple, affordable, and effective.
We're building insurance for a new generation of Ghanaians:people who expect technology to work for them, who value transparency, who deserve better.
Download the Kora app today and experience health insurance that actually works.
Because healthcare is a right, not a privilege. And insurance should make it more accessible, not less.
Welcome to Kora. Welcome to insurance done right.
Kora Insurance is powered by Summer Health's technology platform in partnership with SanlamAllianz. Download the Kora app today or visit Summer Health to learn more.