BIMA is a mobile-delivered insurance company that offer simple and affordable personal insurance & health services.

Their services are all sold and paid for using mobile technology.

BIMA Insurance customers can now make payment for their insurance policies via MTN mobile money.

HOW PAYMENT IS DONE

BIMA customers receive SMS from BIMA on the procedure to use in making their payment via mobile money. Payment can be done by dialing *714*90#

Only BIMA registered customers can access and make payment with the code

BIMA customers can only make payment with the MTN number they registered the service with.

You cannot make payment at a merchant point or with another persons’ mobile money number.

New customers can also access BIMA services via self-service on the USSD code *714*99#. Customers who register for BIMA service via self-service are later contacted by BIMA agent for further details and assistance within a maximum of 48 hours after the registration.

BIMA PRODUCTS AND SERVICES

BIMA Personal Accident: This policy insures the policyholder in case of accidental death or disability arising from accident.

The policyholder receives up to GH¢5,000 of cover. If the policyholder is hospitalized due to an accident, he/she will receive GH¢50 per night up to a maximum of 30 nights in a calendar year (up to GH¢1,500). To make a claim on this policy, customer has submit the following documents:

1. Valid national ID

2. Insurance membership card

3. Police report

4. Doctor’s note

5. Pictures to show your disability

6. Signed BIMA claim sheet

BIMA Life: This policy insures the policyholder and one registered family member (Parent, Spouse, Sibling, or Child) in case of death. GH¢ 1,000 for policyholder and GH¢ 750 for family member. To make a claim on this policy, customer has to submit the following documents:

1. Valid national ID

2. Insurance membership card

3. Death certificate

4. Signed BIMA claim sheet

BIMA Hospital Admission: Hospital admission policy assures only the policyholder. If he/she is admitted at the hospital, he/she will receive an amount of GH¢ 30 per night up to a maximum of 30 nights in a calendar year (GH¢ 900). To make a claim on this policy, customer has submit the following documents:

1. Valid national ID

2. Insurance membership card

3. Hospital invoice

4. Doctor’s note from an NHIS accredited hospital

5. Discharge notice

6. Signed BIMA claim sheet

BIMA Doctor: Customers can subscribe to BIMA Doctor and enjoy unlimited calls to a doctor for medical advice over the phone.

Monday to Sunday, 8am – 8pm. Covers customer, customer’s spouse and customer’s children under 18 years.

PAYMENTS OPTIONS

Price 

GH¢ 2 

Gh¢ 6 

Gh¢ 12 

Gh¢ 18 

Please note that BIMA Doctor Insurance does not have the Ghc6.00 (3months) option.

SMS SENT TO CUSTOMERS

• SMS sent to customer if deduction is successful

Dear [customer name], your [product name] begins [date] and is valid until [date]

• SMS sent to customer if deduction is unsuccessful

Dear [customer name], please fund your wallet for payment of your [policy name]. Thank you.

Sent to customer if successfully deactivates using the self-service/ deregistered by agent

“You have been deregistered from [product name] however your service remains active until xx/xx/20xx. For enquires contact 0277 000 545”.

When a customer’s policy expires

Dear [customer name], your [product name] has expired. Call BIMA customer service on 0277000545 to renew your policy or dial short code *714*99# to renew.

On ECW, payment for BIMA services will be seen as BIMA.

Kindly NOTE that service is suspended when customer defaults payment. Service can be suspended for a maximum of three months, after which service is terminated.