Free Healthcare

Your health is your wealth, and your worth.


This free healthcare benefit is not open to the general public. It is restricted to the following user groups.

• Employees of Sikamaster Loans and sister companies

• Referred beneficiaries from Samaritans for Humanity (the group's charity arm)

• Qualified Tenants and Homebuyers of DCANS Properties.

• Qualified loyal customers of Sikamaster Loans and sister companies

• Qualified Category Two Merchant Partners.


Qualification requirements for Customers & Clients

No out of pocket payment with this free healthcare benefit. You just have to have completed a minimum transaction amount of ghs6,000 for personal/individual customers or ghs25,000 for business customers.


 Minimum free qualifying threshold
Free Personal
 1 adult + 1 child/dependent(s)
Free Business
 2 adults + 2 children/dependent(s)



Free Comprehensive Private Health Insurance for qualified loyal customers.

Strategically implemented in collaboration with:

• DCANS HealthCare Ghana

• DCANS Healthcare UK

• DHIP Health Insurance Ghana

• DHIP Health Insurance UK

• DCANS Life

Useful info

Sikamaster, is a 24/7*365 well-capitalised internet first, forward-thinking, safe, robust, resilient, smart and responsible direct lender for the working class and modern and/or scalable small, medium & large businesses, including startups.

SML is not; a microfinance institution, and neither a savings & loans company or a Specialised Deposit-taking Institution (SDI) of any form, kind or type. SML does not seek and/or accept outside capital.

Rolling out a secured, safer, convenient, revolutionary automated self-care, ethical, no upfront fee, direct lending platform in phases (three phases remaining).

Fully compliant with AML and KYC regulations.

We're Social


Ghana's 24/7 Direct Financing Hub

Not all our loans require a collateral - But if your loan requires one, any property used as security (which may include your home or pensions and/or business assets, or personal guarantees) may be repossessed if you do not keep up repayments on a loan or any other debts secured on it. Our Repayment Assistance Programme is available to qualified borrowers only.
Please read Terms & Conditions, Cookies Policy, Privacy Policy, Data Retention Policy, & Modern Slavery Policy before using this website or our service.
All loans are subject to affordability, applicant verification, traditional credit checks and TDG Scoring via various national databases in accordance with Sikamaster''s responsible lending policy. If you're not sure whether Sikamaster Loans lending is right for you, please seek independent financial advice, and if you decide to borrow from us, please read our How We Operate before you proceed.