Secure Their Tomorrow: Refer a Client for Life Insurance Now!
Search
Close this search box.

Mekakrawa

This policy insures the subscriber and one dependant against the loss of life due to natural and accidental death. In addition, the subscriber only, is also covered against total permanent disability and four major critical illnesses.
Dial *778# on MTN now!

MAIN BENEFITS

Death Benefits

This benefit is paid to the beneficiary of the policy when death of the policyholder occurs due to natural causes. If the death of the dependent occurs, the benefit will be paid to the subscriber.

Accidental Death Benefits

This benefit is paid to the beneficiary of the policy or the policyholder when an accidental death of the policyholder or the dependent occurs respectively.

Total Permanent Disability Benefit

This benefit is paid only when the main life is totally permanently disabled, through the loss of the use of two limbs or both hands or permanent loss of sight or two eyes and also in the event of total paralysis.

Critical Illness Benefit

This benefit is paid only when the main life has one or the other critical illness insured by this policy. The critical illnesses insured by this policy are cancer, stroke, kidney failure and heart attack.

Summary of Benefits
PLAN TYPEMONTHLY PREMIUMANNUAL PREMIUMDEATH BENEFITACCIDENTAL DEATH BENEFITDISABILITY BENEFITCRITICAL ILLNESS BENEFIT
BronzeGHS 3.0GHS 33.0GHS 650GHS 975GHS 650GHS 325
RubyGHS 4.5GHS 49.5GHS 1,000GHS 1,500GHS 1,000GHS 500
EmeraldGHS 9.0GHS 99.0GHS 2,000GHS 3,000GHS 2,000GHS 1,000
SapphireGHS 22.5GHS 247.5GHS 5,000GHS 7,500GHS 5,000GHS 2,500
PearlGHS 27.0GHS 297.0GHS 6,000GHS 9,000GHS 6,000GHS 3,000
GoldGHS 36.0GHS 396.0GHS 8,000GHS 12,000GHS 8,000GHS 4,000
DiamondGHS 45.0GHS 495.0GHS 10,000GHS 15,000GHS 10,000GHS 5,000
The main life is entitled to 100% of the benefits stated above. Other covered lives are entitled to 100% of the benefits for Death & Accidental Death only.

Learn more

You have the option to select an Individual Plan.
Covered lives may be spouse, biological child, parent or foster parent.
The minimum age on entry for the subscriber is eighteen (18) years and maximum age is fifty-nine (59) years. Cover for total permanent disability and critical illness ceases at sixty-five (65) years. The minimum age on entry for the dependant is zero (0) years to a maximum of seventy-four (74) years.
Premium as low as GHC3 per month.
Cover will start for you immediately the first premium is paid, subject to a three-month waiting period for the death benefit and the critical illness benefit. If the policy lapses and is reinstated, the three-month waiting period will apply again.
There is a waiting period of 3 months where no death and critical illness benefits are payable. This will not apply to the accidental death and total permanent disability benefits.
A cashback benefit of two (2) monthly premiums will be paid into your mobile money wallet if you consistently pay for twelve (12) months and no claims are made within that year. This will also apply if an annual premium is paid and no claim is made within that year.

You are required to report your claim within one hundred and eighty-two (182) days of the covered event occurring (i.e., the death, total permanent disability, or critical illness events). Payment will be made upon receipt of the following documents:

  • Identification document: Voters ID or National ID or Passport or Driver’s License
  • Completed Prudential Claim form
  • For Death: A death certificate or medical cause of death or a legal document that confirms the occurrence of the event for which the claim is being made.
  • For Accidental Death: A police report will be required, in addition to either a death certificate or medical cause of death or a legal document that confirms the occurrence of the death event.
  • For Disability and Critical Illness: Medical Report endorsed by a doctor from a Ghana Health Service-accredited hospital.
  • You can call Prudential Life on 0302 2208853 for further enquiries.

Request a call back?