Kai-efieProtect Your Loved Ones Back Home
Kai-efie is the ultimate Diaspora Insurance Solution, designed for Africans abroad to secure comprehensive health and life insurance for their families in Africa.
As an insurance agent and aggregator, we connect you with trusted providers to ensure your family's protection.
Why Choose Kai-efie?
Comprehensive insurance coverage designed specifically for diasporans caring for their families back home
All-in-One Protection
Combines Life & Health Insurance under one policy, covering healthcare expenses and providing financial security in emergencies.
Backed by Industry Leaders
Powered by Hollard Life Insurance & Ace Medical Insurance
Access Quality Healthcare
Covering outpatient, inpatient, emergency care, and life assurance benefits with 24/7 support.
Choose the Right Plan for Your Family
All plans include comprehensive coverage with varying benefit limits
Deluxe Plan
Deluxe Plus Plan
Super Deluxe Plan
All Plans Include:
How It Works
Simple steps to protect your loved ones
Choose Your Plan
Select the coverage that best fits your family's needs
Fill Application
Complete our simple sign-up form with your family's information
Get Approved
Quick review and approval process, usually within 24-48 hours
Coverage Starts
Your family is protected with immediate access to healthcare
What Our Clients Say
Real stories from families we've helped protect
"Kai-efie gave me peace of mind knowing my parents back home have quality healthcare coverage. The process was simple and the team was very responsive."
Kwame Mensah
London, UK
"As a diaspora living in the US, I was worried about my family's health needs. Kai-efie made it so easy to secure comprehensive coverage for them."
Ama Osei
New York, USA
"The claims process was straightforward and my mother received excellent care. I highly recommend Kai-efie to anyone in the diaspora."
Kofi Asante
Toronto, Canada
"Kai-efie's customer service is outstanding. They helped me understand all the coverage options and chose the best plan for my family's needs."
Abena Boateng
Dubai, UAE
Frequently Asked Questions
Everything you need to know about Kai-efie insurance
Coverage Questions
What does the health insurance cover?
Our health insurance covers outpatient visits, inpatient care, specialist consultations, diagnostic tests, emergency services, ambulance transport, maternity care, and surgical procedures. The specific limits vary by plan (Deluxe, Deluxe Plus, or Super Deluxe).
What does the life insurance cover?
The life insurance provides financial protection for your beneficiaries in case of death or permanent disability. Coverage ranges from GH₵ 30,000 to GH₵ 80,000 depending on your chosen plan. It also includes end-of-life benefits to support funeral expenses.
Can I add multiple family members to one policy?
Yes! You can add dependents to your policy, including spouse, children, and parents. We offer family discounts of up to 12.5% when you cover multiple family members under one plan.
Are pre-existing conditions covered?
Pre-existing conditions are evaluated on a case-by-case basis. You must declare all existing health conditions during the application process. Some conditions may have waiting periods or exclusions, which will be clearly communicated during approval.
Which hospitals and clinics can my family use?
Your family can access a wide network of accredited hospitals and clinics across Ghana. We work with both Hollard Life Insurance and ACE Medical Insurance provider networks. A complete list of facilities will be provided upon enrollment.
Claims & Process
How do I file a claim?
Claims can be filed by contacting our office at +233 559995097 or emailing [email protected]. You'll need to provide medical receipts, diagnosis reports, and your policy number. Most claims are processed within 5-7 business days.
What documents are needed for a claim?
Required documents include: completed claim form, original medical receipts, doctor's diagnosis and treatment report, prescription records (if applicable), hospital discharge summary (for inpatient care), and a copy of your insurance card.
How long does it take to process a claim?
Standard claims are processed within 5-7 business days. Emergency claims receive priority processing and are typically completed within 48-72 hours. You'll receive SMS and email notifications at each stage of the process.
Can I track my claim status?
Yes, you can track your claim status by calling our customer service line or sending an email with your claim reference number. We provide regular updates via SMS and email throughout the claims process.
What if my claim is denied?
If a claim is denied, you'll receive a detailed explanation. You have the right to appeal the decision within 30 days by providing additional documentation or clarification. Our team will review all appeals thoroughly.
Payment & Enrollment
What payment methods do you accept?
We accept bank transfers (local and international), mobile money (MTN, Vodafone, AirtelTigo), credit/debit cards, and direct debit arrangements. For diaspora clients, we also accept payments via Western Union, MoneyGram, and PayPal.
Can I pay in installments?
Yes! We offer flexible payment plans including monthly, quarterly, and semi-annual installments. A small processing fee may apply for installment payments. Annual payments receive a 5% discount.
How do I pay from abroad?
Diaspora clients can pay via international bank transfer, PayPal, Western Union, or MoneyGram. We provide detailed payment instructions with account information upon enrollment. All major currencies are accepted and converted at current exchange rates.
When does coverage begin after payment?
Coverage typically begins 24-48 hours after payment confirmation and application approval. You'll receive your insurance card and policy documents via email immediately upon activation.
What is your refund policy?
If you cancel within 14 days of enrollment and haven't made any claims, you're eligible for a full refund minus administrative fees. After 14 days, refunds are prorated based on the remaining coverage period.
Can I upgrade or downgrade my plan?
Yes, you can change your plan at renewal time. Mid-term upgrades are allowed with payment of the difference, but downgrades typically take effect at the next renewal period.
Why are premiums shown in USD but benefits in different amounts?
All premiums are displayed in USD for convenience of our diaspora clients. However, benefit payments (health cover and life cover) will be paid in Ghana Cedis (GH₵) at the prevailing exchange rate at the time of accessing the service. This ensures your family receives the appropriate coverage based on local healthcare costs in Ghana.
Still have questions?
Get in Touch
Have questions? We're here to help