The following terms and conditions govern all AirtelTigo Insurance policies and engagements with customers. These include; AirtelTigo Family Care Insurance Policy, AirtelTigo Hospital Support and the AirtelTigo Income Protection Policy. All customers must read, understand and agree to these terms before subscribing to AirtelTigo Insurance products.
AirtelTigo Family Care Insurance Policy
This Policy is underwritten by Prudential Life Insurance Ghana Ltd.
Life Assurance Cover: This policy insures the primary subscriber and registered family member (parent, spouse, sibling or child) against death. The amount payable is determined based on the AirtelTigo airtime during the month prior to death.
Commencement Date: Deductions start the day after registration and cover starts the 1st day of next month once full or part payment (GHs 2, GHs 1.6 or GHs 1) has been received.
Duration of Cover: This policy lasts for one month, renewable monthly based on AirtelTigo airtime usage per month.
Claims Procedure: Beneficiaries should contact us by dialing 550 within 180 days of death of insured person. Prudential will pay your benefit within 72 hours of receipt of the following valid documents:
Exclusions: Benefits under this policy shall not be paid where the cause of death is as a result of war, alcoholism, insurrection, instigation of riots, or civil commotion. The benefit under this policy shall not be paid if any insured person was older than 69 at enrollment, if insurance cover was not earned for the month when the death occurred or if claim documentation is not authentic. Maximum payable amount is GHs 3,000 per life where same beneficiaries are registered with several sim cards by the same policy holder.
Termination: This policy shall terminate at the end of the month unless renewed by AirtelTigo airtime usage, or if the insured subscriber dies.
AirtelTigo Hospital Support
Terms of cover: This policy pays a fixed lump sum per night in the event that the policyholder or its registered family member (parent, spouse, sibling or child) is hospitalised. The policy holder and its beneficiary are entitled each to GHs 30 cash per night of hospitalization from a single night up to a maximum of 30 nights in a year.
Commencement date: Deductions start the day after registration and cover starts the 1st day of next month once full or part payment (GHs 2, GHs 1.6 or GHs 1) has been received.
Claims: The total claims in a calendar year cannot exceed 30 days of hospitalization per beneficiary (policyholder or its registered family member) You have to report a claim latest 180 days after your discharge from the hospital.
Payment will be made upon receipt of required documents:
Age: The minimum age of entry for the policyholder is 18 years and a maximum of 69 years. The insured family member can be from a minimum of 5 years to a maximum of 69 years.
Exclusion: Self-inflicted injury, War, Abuse of Alcohol and illegal narcotic, Childbirth if within 12 months of policy registration date, Cosmetic and Elective surgery
AirtelTigo Income Protection Policy
Cover: This policy insures the subscriber against permanent disability due to accident or illness, against three critical illnesses and against loss of income due to hospital admission.
Total Permanent Disability – Full Lumpsum – Permanent loss of use of two limbs or both hands, total paralysis and permanently bedridden, permanent loss of sight in both eyes.
Partial Permanent Disability – Partial Lumpsum- Permanent loss of use of one limb or one hand (loss of at least four fingers on one hand), permanent partial paralysis, permanent loss of sight in one eye, permanent loss of speech, permanent loss of hearing in both ears.
Critical illness – Full Lumpsum – Cancer (stages 1-4), stroke (with permanent brain damage and kidney failure (requiring dialysis/transplant).
Death – Full Lumpsum- For accidental death due to cancer, stroke or kidney failure, only if the payment was not made under the disability or critical illness cover.
Hospital Admission – Paid per night of hospital admission, from single night up to maximum of 30 nights per calendar year.
You can earn cover according to the amount paid in airtime the previous month:
Commencement Date: Deduction start the day after registration. Cover for hospitalization and disability due to accident starts from first day of 1st month once premiums paid. Cover for disability due to illness, critical illnesses and associated death starts from first day of 2nd month once premiums paid.
Duration of Cover: This policy lasts for one month, renewable monthly based on complete premium payment through airtime deductions.
Claims procedure: You have to report your claim within 90 days of the event occurring (i.e the accident, the diagnosis, or the discharge from hospital).Payment will be made upon receipt of the following required documents:
Identification document: Voters ID, National, NHIS, Passport or Driver’s license.
For Hospital admission: Excuse note, Discharge notice, Hospital invoice, or Signed AirtelTigo claims form. Document has to show date of admission and discharge, endorsed by a doctor from a NHIS – accredited hospital.
For disability or critical illness: Medical report signed and stamped by a licensed medical officer certifying permanent disability or diagnosis of critical illness. Your doctor will be asked to complete an additional form obtained from an AirtelTigo office to certify how and when the condition arose and the permanence of the condition. You may to be asked to wait up to 6 months for subsequent reviews from the doctor to determine whether the condition is permanent. Call 550 to report the claim.
Age: The minimum age on entry is 18 years, maximum of 69 years. Cover ceases at 69 years.
Exclusions: You are eligible for payment if:
Condition was diagnosed or accident/admission occurred, prior to comment of cover as defined above.
Suffering an accident whilst under influence of drugs or due to willful exposure to peril.
Admitted to hospital due to self-inflicted injury, war, abuse of alcohol or illegal drugs, childbirth, cosmetic or elective surgery.
Policy holder was older than 69 at time of enrolment.
Cover is not earned for the month when accident/diagnosis/admission occurred.
Claim documentation is not authentic.