Why Most Ghanaians Still Don’t Buy Insurance – The Trust Deficit, Affordability Gap and the Slow Digital Fix
Ghana’s insurance penetration has been stuck at 1% for years – well below the West African average. Our deep‑dive analysis…
Digital Insurance
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The Business of Motor Insurance in Ghana Explained — The Third‑Party Mandate, Claim Delays and the Digital Middleman
Mandatory motor insurance drives GH¢8–10m daily claims, yet undercutting and fraud persist. Our deep‑dive analysis reveals the economics of third‑party…
The Rise of Digital Insurance Platforms in Ghana – 8.5m Lives, GH¢35m Claims, and the Unfinished Business of Reaching 98% of the Market
Digital insurance platforms like aYo, DOSH, ETAP and Figtech are finally reaching Ghana’s 80% informal workforce – with 8.5m lives…
Why Insurance Penetration in Ghana Remains Low — The 0.63% Reality, the 80% Informal Sector, and the Trust Deficit That Won’t Close
Why Insurance Penetration in Ghana Remains Low — Ghana’s insurance penetration has stalled at 1% of GDP (0.63% under IFRS…
Why Microinsurance Could Become Ghana’s Next Big Financial Product — 8.5m Lives, GH¢1 Premiums and the Unfinished Business of Reaching 80% of the Workforce
With 8.5 million lives insured and GH¢35 million in claims paid, microinsurance is finally reaching Ghana’s informal sector. Our deep‑dive analysis reveals…
Ghana’s Insurance Industry Is Bigger Than Most People Realize — The GH¢17.9bn Sector, GH¢7.34bn Revenue and the 1% Penetration Paradox
Ghana’s Insurance Industry Is Bigger Than Most People Realize — Ghana’s insurance industry has GH¢17.9bn in assets, GH¢1.24bn in annual…
