The GLICO Top-up Scheme is supplementary to the National Health Insurance Scheme (NHIS) and covers benefits excluded under the NHIS minimum benefit package. The total maximum benefit per person per year is GH¢20, 000.00. 

Our investigations reveal that most companies provide free medical services to their employees and eligible dependants as part of the Collective Bargaining Agreements (CBA) and most of the excluded benefits under the NHIS are provided for by CBA.

However, there is a shortfall between the minimum benefits provided for under the NHIS and benefits under various CBAs. This shortfall in medical benefits has become a major challenge to organizations that want to access the NHIS. The GLICO Top-up Scheme is specifically designed to bridge the gap between the benefits received under corporate medical benefits (negotiated for under CBA) and the minimum benefits of the NHIS.