Ghana Healthcare Program

Health insurance for cocoa farmers in Ghana

From our sustainability vision, we not only think it's important that cocoa is grown sustainably and farmers get a fair price. We are also committed to improving the living standards of our cocoa farmers. That's why we will be a partner of the Ghana Healthcare Program starting in March 2022. It is a partnership with the Swiss chocolate producer Felchlin and the German-based NGO Elucid Social.

Based on the idea that health care should be accessible and affordable for everyone, we have joined the Ghana Healthcare Program. Within this program, we pay for health insurance for cocoa farmers and their families from the village of Nankese. This village is located in Ghana's first organic cocoa region, namely Suhum and consists of 159 inhabitants.

Residents of Nankese

In the village of Nankese located in the Suhum Ghana cocoa region, the composition of the population is as follows.

83

Children aged 0-19 years

58

Adult aged 20-65 years

18

Seniors 66 years of age or older

Coverage Ghana Health Care Program

The Ghana Healthcare Program is a pioneering program that provides a total of 5,000 cocoa farmers from Ghana's Suhum cocoa region with health insurance. Ghana has had basic health insurance through the National Health Insurance Authority (NHIA) since 2003, but because many health care costs are not fully reimbursed, the percentage of the population who join is low. In that case, healthcare costs are at their own expense, which weighs heavily on a cocoa farmer's income.

The Ghana Healthcare Program combines joining the national basic health insurance with private health insurance. Emergency care, maternity care and minor operations are covered by the national basic health insurance. Expensive operations, such as heart surgery or medication against HIV or malaria are not covered by this basic insurance. The private health insurance organized by Elucid Social does cover this care. In some cases a small co-payment is required, but in general the Ghana Healthcare Program reimburses 80-100% of the healthcare costs of a cocoa farmer or family member.

Elucid Social implements

Ghana Health Care Program

Elucid Social is an NGO based in the German capital of Berlin. They implement Healthcare Programs worldwide based on the idea that everyone should have access to essential healthcare. In many countries where commodities such as coffee, cocoa or rubber are grown, access to healthcare is not always the most normal thing in the world. Often healthcare costs have to be paid out of pocket, which weighs on maintaining a livable income.

Elucid Social is working with various social partners worldwide to improve the living conditions of cocoa farmers and others. Through Elucid Social's digital platform, health insurance paid by Cru de Cacao can be securely and directly transferred to the health insurance fund. Through the cell phones made available, farmers can easily claim their doctor or hospital bills and also have a digital proof of insurance immediately.

Furthermore, Elucid Social is available to the cocoa farmers of the Suhum area 24/7. In case of an emergency, such as a snake bite, Elucid Social ensures that emergency care is on site as soon as possible.

Yayra Glover Cooperative in Ghana

In the Suhum region of Ghana, we work with the Yayra Glover cooperative. Yayra Glover is a pioneer in Ghanaian organic farming and was the first person in Ghana to establish a direct connection (Direct trade) between farmers in the Suhum region and the Swiss chocolate producer Felchlin. It has taken a total of 16 years to ensure that all cocoa from this region is certified organic.

Yayra Glover believes that organic cocoa farming and the implementation of climate-resilient and sustainable agriculture is essential to combat the effects of climate change in Ghana and Africa. This is necessary to secure the income from cocoa farming for future generations as well.

"We must protect the environment for future generations te come"

Yayra Glover

Make a difference and

Contribute too!

To highlight our enthusiasm for the Ghana Healthcare program, we have added two new chocolate bars to our range whose cocoa comes from the Suhum area. These are the organic dark chocolate bar Suhum Ambanja 70% and the organic milk chocolate bar Cru Suhum 36%.

By purchasing these chocolate bars you are also contributing your own bit to the Ghana Healthcare Program. Indeed, with every purchase, €1,- euro goes to this program.

Chocolate Bar Cru Suhum 36% Organic

By purchasing this chocolate bar, you are not only supporting organic cocoa farming, but also doing your bit for the Ghana Healthcare Program. This is because the cocoa in this milk chocolate bar Cru Suhum Ambanja 36% is made from organically certified cocoa beans sourced from the Suhum cocoa region (Ghana). With the purchase of this chocolate bar, €1 goes to the Ghana Healthcare program. You can read more about this program here.Besides your contribution to a better cocoa world, this chocolate bar is also unique for another reason. The milk powder used in this chocolate bar is made from the organic milk of Swiss cows grazing in the UNESCO Biosphere Reserve Entlebuch (Lucerne, Switzerland). This area combines sustainable agriculture, forestry and tourism. It is known for the most extensive and numerous moors with as many as 1,000 different flowers and grasses. The lush diet of the dairy cows contributes to the unique taste of this chocolate. On the chocolate bar you will find an icon that reads "Environmentally friendly. This icon refers to organic cocoa farming. Felchlin's organic certification can be accessed through this link: https://www.easy-cert.com/htm/suchresultat-detail.htm?id=84012d05-78d6-4f72-9a6b-6f5d6e6e7946&db=bio. Taste profile An exclusive chocolate bar to dream away. Discover harmonious milk and caramel flavors in this milk chocolate. As soon as the chocolate begins to melt, you will also discover a delicate honey taste. Can you already see in your mind's eye the Swiss cows walking across the vast Alpine meadows? *This product cannot be returned after opening or after breaking the seal.

€7.50*

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Hot Chocolate Cru Suhum 65% Organic

The hot chocolate or hot chocolate has gained popularity in recent years. The basic ingredient for making hot chocolate comes in a variety of forms. Regularly you see a stick or spoon dipped in a piece of chocolate. Or cocoa powder is neatly prepackaged per cup of hot chocolate. Just add milk and you're done. Or isn't it? Often a thick dollop of whipped cream cannot be missing and you see all kinds of toppings these days. With our stand-up pouch filled with finely ground dark chocolate, we go back to basics and prepare a luxurious hot chocolate in no time. In which the pure taste of cocoa comes first. Origin chocolate for hot chocolate We can choose from a whole range of single origin chocolates, but we specifically chose this dark chocolate with a cocoa percentage of 65%. The Suhum 65% dark chocolate comes from the cocoa region of the same name Suhum located in Ghana. It is Ghana's first organic certified cocoa region. But this is not the only reason what makes this chocolate special. In fact, we invest in this cocoa region in the Ghana Healthcare Program. With the contribution we make, we pay for the health insurance of 100 cocoa farmers and their families from the village of Nankese. By purchasing this bar bag, you also contribute to this Healthcare Program. Read more about this program here. *This product cannot be returned after opening or after breaking the seal.

€12.95*

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Chocolate Bar Suhum Ambanja 70% Organic

By purchasing this chocolate bar, you are not only supporting organic cocoa farming, but also doing your part for the Ghana Healthcare Program. This is because the cocoa in this dark chocolate bar Suhum Ambanja 70% is made from organically certified cocoa beans from the Suhum cocoa region (Ghana). When you buy this chocolate bar, €1 goes to the Ghana Healthcare program. You can read more about this program here. Besides your contribution to a more beautiful cocoa world, you also have a special piece of chocolate in your hands. Only 0.6% of the world's cocoa cultivation is currently organic. The Yayra Glover cooperative has thus taken a unique and necessary step towards future-proof cocoa cultivation. On the chocolate bar you will find an icon with "Environmentally friendly" as a reference to organic cocoa cultivation. Felchlin's organic certification can be accessed via this link: https://www.easy-cert.com/htm/suchresultat-detail.htm?id=84012d05-78d6-4f72-9a6b-6f5d6e6e7946&db=bio In addition, this dark chocolate bar is also Vegan. Flavor profile With a dark chocolate bar with a high cocoa percentage, many people think the chocolate tastes bitter. This is absolutely not the case with this luxury chocolate bar! This chocolate has an elegant cocoa taste intertwined with soft notes of coffee. In addition, this dark chocolate has a surprising fruity note of raspberry and in the finish you can even taste a hint of grapefruit. *This product cannot be returned after opening or after breaking the seal.

€7.50*

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