Our unique claims approach

We promise to pay valid claims within 72 hours of filing, meaning our customers get money when they need it most

Our customers feel the financial impact of illness and injury almost immediately. Delivering on our claims promise is the best way to drive trust in BIMA and demonstrate the value of insurance. 

Our expert claims teams ensure that processing is transparent, easy and fast. We have simple products, with clearly explained exclusions. We let clients know at the point of purchase which documents are required to make a claim. 



Lydia, a mother of four, runs a convenience store in Dansoman, a small suburb of Accra, Ghana. Lydia’s husband ran the store until he passed away suddenly from illness. Then Lydia became the sole breadwinner and had to learn how to manage the family business as well as caring for her family. 

During this difficult time, Lydia remembered that she had signed up for a life insurance product through Tigo.  She took the relevant documents to her local Tigo branch where she completed the straightforward claims process. Within three days of filing, Lydia received her full claims payout. 

Bima’s payment provided vital funds for Lydia’s family when they needed it most. Lydia now sells mobile airtime cards at the store, to help spread power of insurance throughout her community.