The Acting Commissioner of the National Insurance Commission (NIC), Dr. Abiba Zakariah, has outlined a number of new initiatives aimed at transforming Ghana’s insurance sector through digitalization, artificial intelligence (AI) and increased public education.
Speaking after an education conference with insurance companies in the Central Region, Dr. Zakariah said the Commission is working to make several of its services more accessible and efficient through technology.
According to her, the NIC is seeking to leverage digital platforms and AI to improve services and make it easier for the public to access and verify insurance-related information.
She cited the Motor Insurance Database (MID) as one of the digital systems that is helping to improve monitoring and verification of motor insurance.
Dr. Zakariah explained that when a vehicle’s number plate is scanned through the system, it can indicate whether the vehicle has valid insurance and provide additional information relating to the vehicle and its ownership.
She also disclosed that the Commission is taking steps to digitalise the insurance claims process to make it faster, easier and more transparent for policyholders.
According to her, the move is expected to reduce disagreements and conflicts between insurance companies and customers during the claims process.
Beyond digitalisation, the Acting Commissioner said the NIC is also planning to deepen insurance education among young people by engaging universities across the country.
She explained that the Commission intends to collaborate with universities to introduce insurance education across different courses, allowing students to become familiar with insurance before completing their education.
Dr. Zakariah noted that educating students would help create a better-informed generation that understands the importance of insurance and can make informed decisions when they enter the workforce and wider society.
She further acknowledged that the NIC has not yet gained the level of trust it needs from the Ghanaian public.
However, she assured that the Commission remains committed to improving its operations and engaging more effectively with the public in order to rebuild confidence in the insurance industry.
She said the ultimate goal is to win the trust of Ghanaians and encourage more people to participate actively in insurance.
The NIC’s latest initiatives form part of broader efforts to modernise the insurance sector, improve customer experience and promote greater awareness of the importance of insurance among Ghanaians.
