Two decisions dominate family relocation: who treats us when we're sick, and who teaches our kids. Ghana answers both - but on Ghanaian terms that punish the unprepared.
Healthcare: two systems, one rule
Public hospitals are affordable with long waits and uneven equipment; private facilities (Nyaho, Lister, UG Medical Centre) deliver near-Western standards at Western-adjacent prices - GHS 200-300 per consultation plus GHS 150-300 per prescription round, tests extra. Emergency response is the weak link: ambulances unreliable, so private ERs are the plan. The rule veterans repeat: come with insurance or a medical savings buffer - bills 'through the roof' for severe needs.
The NHIS gap
Stark finding: 75% of immigrants never enrolled in the NHIS versus 7.8% of locals - paper-based enrolment repels digital-first migrants. The 2026 Free Primary Healthcare policy covers preventive/basic care for all residents, but anything beyond still needs NHIS or private cover. Chronic conditions: confirm your exact medication is stocked locally before moving; carry surplus and a shipment plan.
Schools: excellent, pricey, waitlisted
GIS, SOS Hermann Gmeiner, TIS, DPS, Al Rayan, Lincoln Community: strong outcomes at GHS 8,000-50,000 per term with peak-season waitlists. Start admissions months early; budget a full year plus transport. The UK comparison flatters Ghana (£400/term vs £65/day) - but only if you secure the seat.
Moving with family? Sporafind finds diaspora parents at your shortlisted schools - real fee, real waitlist, real experience.