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How to make Claims from Prudential Life Insurance, Ghana: PLIG

How to make Claims from Prudential Life Insurance, Ghana: PLIG

Visit the portal and click on the claim and enter the details provided below to make your request.

Mostly after registering for insurance, visit the Office to confirm before making payments.

Get the contact of the Agent but don’t depend on the Agent for all your queries since they can quit the Job without informing you.

If you need your claim, aside from visiting the Online Portal to fill out the forms, you can also visit their office for them to assist you to avoid any mistakes.

Visit their main website

Available Insurance Plans

Individual Insurance Products

Ultimate Hospital Cash Plan


Daily Hospital Income

Prudential Life will pay the Daily Hospital Income Benefit up to a maximum of 30 days every year when you are hospitalized. The claim is paid if a minimum of two (2) days is spent in the hospital.

Surgery Recovery Income

Ten (10) times the daily hospital cash benefit is payable if any of the insured lives undergo major corrective surgery. This excludes minor and cosmetic surgery.

Major corrective surgery is an operation upon an organ within the cranium, chest, abdomen, or pelvic cavity intended for correction and not cosmetic purposes. Examples are Hernia, Appendicitis, bowel surgery, hysterectomy, myomectomy, thyroid surgery, etc.

Death Benefits

Ten (10) times the daily hospital cash benefit is payable on the death of any of the insured lives.

Accidental Death Benefits

The death benefit will be doubled (2x) in the event of accidental death of any of the insured lives.

Summary of Benefits
GOLD 200 2000 2000 4000
SILVER 150 1500 1500 3000
BRONZE 100 1000 1000 2000
The main life is entitled to 100% of the benefits stated above. Other covered lives are entitled to 50% of the benefits.

Ultimate Classic Farewell Plan

What You Need To Know

The minimum and maximum age at entry for the main life is 18 and 59 years respectively.

The Plan covers Spouse(s) and Children, Siblings, Step-Parents, Parents, Parents-in-law, Foster parents, Grandparents of the main life, and Spouse.

The cover level for you and your spouse is 100% and 50% for all other insured lives.

You have the option to choose the type of cover plan (Sum Assured) preferred between GHS 10,000 to GHS 20,000.

Policy Expire Age

Except for children who fall off cover at age 25, the coverage under this policy would cease to be in force for any insured lives after age 120.
Never Lapse Feature

Policies beyond the first policy year will never lapse. Rather at the claim stage, the death benefit will be pro-rated based on the number of missed premiums.
Death Benefit

A lump sum payment equal to the Sum Assured will be paid to you or your beneficiary if any of the insured lives is no more.
Loyalty Benefit

If all premiums for the last five (5) years had been paid before the demise of the main life, an additional 4% of the total premiums paid by the main life will be paid to the trustee.
Accidental Death Benefits

A sum of 12% of total premiums paid by the main life (excluding policy fee) will be refunded every five (5) consecutive years if no claim is made.
Family Cushion Benefit

An additional 5% of the total premiums made will be paid to your beneficiaries three (3) months after your demise.
Hospitalization Benefit

4% of the sum assured will be paid once every calendar year if any of the insured lives is hospitalized.
Waiver of Premium Benefit

Premium payment will cease if death occurs early or on the attainment of age 60. However, all the insured lives are still entitled to their benefit under the policy. The waiver of premium benefit applies if the policyholder is aged 18 to 50 at the time of policy inception. If the policy has a benefit escalator, it will cease when this benefit takes effect.
Grocery & Airtime Voucher Benefit

A grocery voucher worth 1% of the death benefit of the main life will be provided monthly for 3 months on the death of any of the covered lives.

Optional Benefits

You have the option to choose from any of the additional benefits below:
Cash Investment

This is an investment feature on the policy which allows you to save. You can contribute from as low as GHs20 to a maximum of GHS 50 per month. You can make a partial withdrawal on your investment provided you have been contributing for at least one year.
Pre-Burial Benefit

On the death of any of the insured lives under the policy, a lump sum which is 30% of the sum assured will be paid before the burial of the deceased.
Post Burial Benefit

Twelve (12) months after the death of any of the insured lives under the policy, 50% of the sum assured will be paid.

Others include

Ultimate Premier Farewell Plan

Ultimate Educational Support Plan
Prudent Life Plan, Prudential Travel Insurance Plan
Pru Wealth Plan
Dignity Farewell Plan

Group Insurance Products; Group Life Insurance Plan, Group Funeral Insurance Plan, Group Welfare Plan
Education Continuity Assurance Plan
Payment Protection Plan
Group Embedded Schemes

Some People may not be interested in Insurance policies because they may have heard from others some insurance companies do not pay them their claims when they are due.

Claim Procedure,

Each Policy has its Claim requirement, But here is the General requirement.

The processing of the claim will commence only after the company has received these documents:

The original Document of Insurance.
A completed claim form

Identification document.

The accepted identification documents at the point of claim will be

National ID, Voter’s ID, driver’s license, passport, or NHIS ID card.


How to make Claims from Prudential Life Insurance, Ghana: PLIG


Peter N. Djangmah is a multifaceted individual with a passion for education, entrepreneurship, and blogging. With a firm belief in the power of digital education and science, I am affectionately known as the Private Minister of Information. Connect with me
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