Ghana Risk Assessment Country Guide 

Working Abroad in Ghana

Ghana is a geographically rich and diverse land located in West Africa. With more than 25 million residents , Ghana is an ideal destination for expats and foreign travelers alike. The country has a wealth of natural resources, as well as a burgeoning, industrialized economy.

According to the UK Foreign & Commonwealth Office (FCO), thousands of foreign travelers visit Ghana every year. tho Even though most find their experiences trouble-free, there are still a number of risks that require comprehensive travel and medical insurance. 

For example, the political situation in the country could become volatile, and outbreaks of civil violence can happen without much warning. This is especially true in the north of Ghana. 

  • Health
  • Safety & Security
  • Terrorism

On May 26, 2015, the CDC issued a level 1 watch in Ghana due to the increase in reported cases of cholera—576 cases reported and 5 deaths in 2015—and recommends travelers use food and water precautions. In 2014, there were more than 28,975 cases and 243 deaths reported in Ghana from cholera, a bacterial disease spread by consuming contaminated food or water. About 70% of the cases occurred in the Greater Accra region including in the districts of Accra Metro and La-Dadekotopon. Cholera may result in watery diarrhea, vomiting, and leg cramps, without treatment may result in death within hours.

Prior to leaving your home country for Ghana, you should contact your primary care physician to discuss any possible vaccinations recommended for travel within the country, as well as other preventative measures. Most medical facilities throughout the country are in poor condition. Adequate treatment may be found inside larger towns, but emergency care is severely limited. 

Clements Worldwide offers Expat Health insurance for all of your medical expenses while living in Ghana. Coverage includes USD 5 million in health care benefits, and allows you to choose any doctor while abroad. With Clements, you will have flexible payment options, choice of deductible and multilingual claims assistance. An optional War and Terrorism extension is also available. This coverage extends your policy to include illness or injury caused by an act of war and terrorism. 

Evacuation may be needed in order to receive quality treatment while living in Ghana. A Medical Evacuation and Repatriation insurance policy from Clements covers expenses to transport you to a capable medical facility in case a local medical center isn’t able to provide adequate treatment.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Ghana.

Source: UK Foreign and Commonwealth Office, Centers for Disease Control and Prevention, and Clements Worldwide

Contact a Clements Representative for Insurance Solutions

Due to a number of internal conflicts, the situation in Ghana may become unstable at times. Occasional local chieftaincy and land disputes can lead to inter-ethnic violence and unrest. Potential hot spots include the Northern, Upper East and Volta regions. 

A Personal Accident insurance policy from Clements protects your organization’s employees and their families' financial stability following an accident, regardless of whether it occurs on the job or during personal time. Coverage begins at USD 100,000 per person.

Roads throughout Ghana are in poor condition. This is especially true in rural areas and risk of accident and robbery increases during the nighttime. Locals often place leaves or grass across the road to signal an accident or hazard ahead. 

Clements offers International Car insurance, which includes Physical Damage, Third Party Liability, and Excess Liability coverage. With flexible deductible options and fast claims processing, your policy will provide coverage for your vehicle fleet whether it’s on the road, parked or transported abroad.

An optional Political Violence extension is also recommended, which broadens the coverage to include strikes, riots, malicious damage, sabotage, war, terrorism or civil unrest. 

The maritime environment around Ghana's waters can be unstable at times. There have been reports of ships being attacked near the capital city of Accra. Therefore, all organizations shipping nearby should take adequate precautions and implement best practices.

A Maritime Security insurance policy from Clements will ensure compliance with BIMCO insurance requirements and GUARDCON standards, which will achieve cost savings, better coverage, and more efficient policy administration.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Ghana.

Source: UK Foreign and Commonwealth Office and Clements Worldwide

Contact a Clements Representative for Insurance Solutions

There is a low to moderate threat of terrorism in Ghana. Given global levels of risk, attacks could be indiscriminate and target public locations, including those visited by expats and foreigners.

A War and Terrorism insurance policy from Clements offers the right coverage against the risks of civil unrest, war, riots, looting and acts of terrorism.

Clements also provides a Kidnap and Ransom insurance policy, which ensures financial assistance following a kidnapping, such as independent investigations, negotiations, arrangement and delivery of funds.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Ghana.

Source: UK Foreign and Commonwealth Office and Clements Worldwide

Contact a Clements Representative for Insurance Solutions