Ghana to Introduce Mandatory Travel Insurance for All Inbound Non-Ghanaians in 2026

Sammie December 15, 2025

0 14 4 minutes read

Introduction

The Government of Ghana has announced plans to introduce mandatory travel insurance for all inbound non-Ghanaians, a policy expected to take effect next year. The move, which aligns Ghana with global best practices, aims to improve the safety, welfare, and overall travel experience of foreign visitors entering the country.

The announcement was made by James Agyenim-Boateng, Managing Director of SIC Insurance Plc, who confirmed that all necessary ministerial and sector clearances have been completed, paving the way for full implementation. Once rolled out, the policy will require all non-Ghanaians traveling to Ghana to have valid travel insurance either before arrival or upon entry into the country.

This development marks a significant shift in Ghana’s travel and tourism framework, reinforcing the country’s commitment to visitor protection, healthcare security, and international standards.

What Is the Mandatory Travel Insurance Policy?

According to Mr. Agyenim-Boateng, the new policy will make it compulsory for all inbound non-Ghanaians—including tourists, business travelers, and short-term visitors—to possess travel insurance coverage when entering Ghana.

Speaking at a public gathering on Friday, December 12, he stated:

“We are set to roll out mandatory travel insurance for all inbound non-Ghanaians coming into Ghana. We’ve done all the ministerial clearance and all the sector clearance. We are eventually at the point of implementing this policy.”

The policy is designed to ensure that foreign travelers have access to essential coverage such as:

Emergency medical care
Hospitalization costs
Accident coverage
Repatriation expenses
Other unforeseen travel-related risks

Why Ghana Is Introducing Mandatory Travel Insurance

Mandatory travel insurance is not a new concept globally. Many countries already require proof of insurance as part of their visa or entry requirements. Ghana’s decision reflects a broader effort to modernize border control policies while prioritizing the welfare of visitors.

Mr. Agyenim-Boateng emphasized that the policy is in line with international practices, especially in regions such as Europe’s Schengen Area, where travel insurance is a strict requirement.

“As many of you know, when you travel into many jurisdictions, including the Schengen countries, you are required to have travel insurance. It has become the order of the day in many jurisdictions.”

By adopting this approach, Ghana is positioning itself as a destination that values traveler safety, risk management, and global compliance.

How the Policy Will Work

Under the proposed system, non-Ghanaians entering the country will be required to show proof of valid travel insurance. Travelers who do not already have coverage may be able to obtain insurance before departure or upon arrival, depending on the final implementation framework.

Although full operational details are yet to be officially released, the government and SIC Insurance Plc are expected to collaborate with:

Immigration authorities
Airlines
Travel agencies
Digital platforms

This will ensure a smooth and efficient process for travelers while minimizing delays at ports of entry.

Benefits of Mandatory Travel Insurance for Ghana

The introduction of mandatory travel insurance offers multiple benefits—not just for travelers, but also for the country as a whole.

1. Improved Healthcare Protection

Foreign visitors who fall ill or are injured will have guaranteed access to medical care without placing pressure on Ghana’s public healthcare system.

2. Enhanced Travel Experience

Travelers can enjoy peace of mind knowing they are financially protected against unexpected emergencies during their stay in Ghana.

3. Reduced Financial Burden on the State

The policy minimizes cases where the government or hospitals absorb unpaid medical bills from uninsured foreigners.

4. Stronger Tourism Framework

By aligning with global travel standards, Ghana strengthens its reputation as a safe, well-regulated, and tourist-friendly destination.

Impact on Tourists and Business Travelers

For tourists, the policy means better protection and preparedness while exploring Ghana’s cultural heritage, wildlife, and business opportunities. For corporate travelers and investors, it enhances confidence in Ghana’s risk management systems.

Although some travelers may initially view mandatory insurance as an added cost, experts argue that the long-term benefits far outweigh the expense—especially when compared to the high cost of emergency medical treatment abroad.

SIC Insurance Plc’s Role

SIC Insurance Plc is expected to play a central role in administering or supporting the policy. As one of Ghana’s leading insurance providers, SIC’s involvement signals credibility, efficiency, and local expertise in managing large-scale insurance schemes.

The company’s leadership has assured the public that the policy rollout will be transparent, structured, and traveler-friendly.

When Will the Policy Take Effect?

While an exact date has not yet been announced, officials indicate that implementation is planned for next year, giving stakeholders ample time to prepare. Further announcements are expected to clarify:

Pricing structures
Coverage limits
Eligible travelers
Enforcement mechanisms

Travelers planning to visit Ghana in the coming year are advised to stay informed and begin factoring travel insurance into their travel plans.

Conclusion

Ghana’s planned introduction of mandatory travel insurance for all inbound non-Ghanaians marks a forward-thinking step in travel regulation and visitor protection. With all ministerial and sector clearances completed, the country is now poised to implement a policy that aligns with global best practices and enhances the overall travel experience.

As international travel continues to evolve, this initiative reinforces Ghana’s commitment to safety, sustainability, and excellence in tourism and border management. For travelers, the message is clear: Ghana is open, prepared, and prioritizing your well-being.