1.1 Terms and Conditions

This document sets out the terms and conditions of the MeBanbo Plan (referred to as MeBanbo Life Insurance in advertising) offered by Hollard Life Assurance Ghana Limited (Hollard) to Telecel subscribers. Please read and fully understand each clause set out in these terms and conditions. These terms and conditions can be changed at Hollard’s sole discretion subject to sixty (60) days’ notice to the main insured person. Hollard will notify the main insured person by

SMS of any amendments to these terms and conditions and ensure that they are available at all Telecel customer service touch points and on the official Telecel website. Any main insured person who does not accept the changes to the terms and conditions of this agreement shall notify Hollard in writing within thirty (30) days of posting of the amendments at Telecel customer touch points, and such notification shall be deemed to constitute termination of this insurance policy with effect from the date on which the new amendments take effect. When a Telecel subscriber registers for the MeBanbo Plan, the subscriber must know and fully understand the terms and conditions set out in this document.

Confirmation of registration means that the Telecel subscriber agrees to abide and be bound by these Terms and Conditions in respect to the MeBanbo Plan.

 

1.1.1 Welcome to Hollard Life

Hollard Life is committed to providing world class service. Our aim is to ensure that all our communication with you is honest and easy to understand. We wrote this policy in plain English. We will pay a valid claim for the benefits set out in this policy on condition that:

• You pay the premium set out in this policy;
• You give us all the information we ask for that materially affects our risk; and
• You and all the insured persons keep to the terms and conditions of this policy.

1.1.2 The parties to this policy

The policy is a legal contract between you and Hollard Life. Only you have rights under this policy.

• ‘We’, ‘us’ and ‘our’ refer to Hollard Life Assurance Ghana Limited. Hollard is a registered insurance company and an authorised Financial Services Provider.
• ‘You’ and ‘your’ refer to the main insured person who is the owner of this policy.

 

1.1.3 Key definitions used in this policy

We have given a specific meaning to certain words. These words appear in italics. The glossary at the end of this document gives the definitions that have the same meaning anywhere in this policy. Certain definitions only apply to a specific benefit section and will appear at the end of each benefit section. The most common definitions used in this policy are below.

• ‘policyholder’ refers to you, the owner of the policy and the main insured person.
• ‘insured person’ refers to a person that meets the conditions for eligibility.
• ‘main insured person’ refers to the person who we accepted as the main insured person.

1.1.4 How to read this policy

• The plural of these words is used where appropriate.
• The headings in the policy are for reference only and will not affect the meaning of the terms and conditions to which they relate.
• When we refer to a specific section of this policy, the reference will include the name of the heading. Days refer to ordinary calendar days, including weekends and public holidays.
• Month means a calendar month including the first day, the last day and including weekends and public holidays.
• Words which refer to natural persons will also refer to legal persons.
• ‘He’, ‘him’ and ‘his’ refers to a male or female.

1.1.5 Your policy

This policy is a legal contract between you and us and includes your registration and the policy wording.

• The registration is where you asked us to cover all the insured persons under this policy, and where you gave us permission to collect the monthly premium.
  • The registration is electronic via your mobile device or physical form that you completed at your local Telecel customer service touch points; or
  • If you make any changes or additions to the policy after the policy start date, the physical or electronic form you completed when you made the changes will also be part of this policy.
• The policy wording includes the general terms and conditions and the benefits as explained below:
  • The general terms and conditions include all the terms, conditions and exclusions that apply to all the benefits.
  • The benefits set out the terms and conditions specific to the selected benefit.

The policy wording makes up your policy documentation that we sent or gave to you. You must carefully read these documents together. Make sure you understand what you are covered for as well as what your responsibilities are. If you do not keep to the terms of this policy, it may result in us not paying a claim or cancelling your policy.

We are not bound by any changes unless we have agreed to them in writing and have included them into this policy by issuing you with a new policy wording, policy schedule, an endorsement letter or an SMS confirming the change. This policy document replaces all previous policy documents. The policy document will always be the final determining factor in the event of any disagreement around meaning or interpretation.

 

1. Packages, Benefits and Premiums

There are four policy packages options that will be available to Telecel subscribers:

• A Telecel subscriber may join individually via the mobile phone or as an insured person on Family Cover.
• Family Cover
  • Family Cover allows main insured persons to register their insured persons.
  • All insured persons shall be on the same currency and package as the main insured person.
  • The premium is paid per head and is the same irrespective of the insured person’s age, subject to defined limits.

 

1. Diaspora

• A main insured person can add an insured person who is in the diaspora under the Family Cover Package.
• Packages and premiums depend on the location of the insured person and are as follows:

• An insured person may not have more cover than the main insured person.
• Registration for the packages in the table above is limited to insured persons in the Diaspora who want to be repatriated to Ghana.
• Claims will only be payable to a beneficiary on repatriation, being upon arrival of the body of the deceased in Ghana; OR to the repatriating Funeral Service Provider in the Diaspora prior to repatriation of the deceased’s body to Ghana. The beneficiary will advise us which option they are taking up.
• Further, in the event of payment to a repatriating Funeral Service Provider, any remaining balance of the policy will be paid out into the appointed beneficiary’s Telecel Cash Wallet.

 

1. Family Cover

• The Family Cover Package allows a main insured person of the MeBanbo Plan to cover their insured persons under their policy.
• All insured persons under the policy shall be treated in their individual capacities for premium payments, exclusions and all other terms of the MeBanbo Plan.
• A main insured person can cover the following extended family members as insured persons directly on their mobile phone:
  • Spouse/s (maximum of 2 per policy);
  • Biological or legally adopted children;
  • Grandchildren;
  • Biological parents;
  • Biological grandparents; and
  • Parents-in-law
• An insured person should be at least 0 years old (newly born) but younger than 75 years old.
• The premium is paid per head and is the same irrespective of the insured person’s age.
• An insured person may not have more cover than the main insured person.
• Insured persons are transferable amongst insured persons such as between husband or wife for minors and siblings for elderly biological parents.
• Where an insured person is 21 years or older and does not have an active Telecel line that is registered with Telecel, a main insured person will be requested to visit the nearest Telecel Service Centre with the following documents
  • A copy of identity document of the insured person;
  • Proof of relationship to the insured person.
• A person can only be added once as an insured person on any policy but can have an individual policy or policies (maximum of 2) of their own subject to a Maximum Sum Assured of 30,000 across all MeBanbo policies on Telecel.
• The cover that can be bought for certain insured persons will be limited as follows:
  • Ghc 15 000 for insured persons older than 5 years but younger than 14 years old, and
  • Ghc 5 000 for insured persons 5 years old or younger.
• The Family Cover Package and Diaspora includes an additional benefit, the Accidental Disability Benefit.
• This benefit pays out only in the event that the insured’s disability is caused directly by an accident and not any illness or disease.
  • The benefit amount for this benefit is equal to the benefit amount for each insured person.
  • No additional premium is required for this benefit – it is automatically included.
  • There is no waiting period for this benefit.
  • This benefit stops for an insured person when they turn 75 years of age.
• An Accident is defined as A sudden, fortuitous and uncertain event caused solely and directly by violent, external, physical and visible means independently of any other cause.
  • In the event of the accidental disablement of an insured person, the benefit amount will be paid to the main insured person according to the table listed below:
    
    

 

1. Exclusions

Exclusions mean instances where we will not be obliged to pay out a claim where an insured person claim as a result of the following excluded activities:

• Death due to natural causes occurring within six months (waiting period) of the benefit start date of the policy of the insured person.
• Suicide, attempted suicide or self-inflicted injury.
• War, insurrection or civil commotion.
• Epidemics as defined and declared by the World Health Organisation standards.
• A claim for a person who does not qualify for cover under this agreement.
• A fraudulent or dishonest claim.

Hollard will not be liable to pay an accidental disability benefit if any claim arises directly or indirectly from or is traceable to:

• wilful exposure to danger (except in an attempt to save human life), intentional self-inflicted injury, suicide or attempt thereat;
• any accident which resulted in the disability of the insured person where the accident occurred prior to the benefit start date;
• an insured person engaging in:
  • combat duties, military exercises or any active service within any military, naval, air, police or correctional services body; or
  • the active duties of the provision of security or protection services to/for any organisation/individual; or
  • a Terrorists Activity; or
  • labour disturbances, riot, strike or lock-out; or
  • hazardous or professional sports / activities more than once a month or on an income earning basis;
• the use of nuclear, biological, chemical or explosive weapons or any radioactive contamination;
• an insured person driving any type of vehicle when the insured person had a blood alcohol content that exceeded the legal limit allowed for driving by the laws of the country where the accident occurred;
• the use of drugs by an insured person, unless it is proved that the drug was used in accordance with proper medical prescription and not for the treatment of a drug addiction;
• an insured person refusing medical treatment recommended by a medical practitioner;
• the unreasonable or wilful neglect or failure of an insured person to seek and remain under the care of a physician;
• miscarriage, abortion or complications arising from these.

 

1. Regulation

• MeBanbo Plan provides cover for funeral expenses in the event of the death and disability support of an insured person. The premium payment for cover will be deducted from the main insured person’s Telecel Cash Wallet at the specified payment frequency.
• To register for the MeBanbo Plan, the main insured person must be at least 18 years old but younger than 75.
• Registration is automated and shall be done through the main insured person’s mobile phone.
• A main insured person must have an active Telecel GSM cell number registered on Telecel Cash to be able to register for the MeBanbo Plan.
• In order to register for the MeBanbo Plan, a main insured person will need to supply the following information:
  • Full name and surname;
  • Identity number;
  • Gender;
  • Date of birth;
  • Beneficiary’s name and surname;
  • Beneficiary’s relationship to the main insured person;
  • Beneficiary’s date of birth; and
  • Beneficiary’s contact cell number.
• Before a policy can be issued, the main insured person has to complete the registration process which includes confirming the personal details listed above, selection of the preferred MeBanbo Funeral Package and method of payment of the initial premium (via a debit order to their Telecel Cash Wallet or via using text instructions – Dial *269#).
• By completing the registration process, a main insured person confirms acceptance of these terms and conditions and authorises us to debit their Telecel Cash Wallet for the first premium and monthly thereafter.

 

1. Policy Start Date and Period of Insurance

• The MeBanbo Plan is effective as of the policy start date.
• The policy start date is calculated as follows:
  • If a main insured person registers between the 1st day of the month and the 10th day of the month (inclusive), the policy start date shall be a date in that same month on which the first premium is successfully deducted from main insured person’s Telecel Cash Wallet.
  • If the main insured person registers between the 11th day of the month and the end of that month, the policy start date will be the 1st day of the following month following the successful deduction of their 1st full premium.
• The first premium shall be automatically deducted from main insured person’s Telecel Mobile Wallet upon registration.
• Following the first premium payment, the premium payment date shall fall on the 1st day of each month.
• Cover lasts for one calendar month from each premium payment date.
• The policy is renewable by monthly debit from the main insured person’s Telecel Cash Wallet or any other means as agreed upon with us.
• Should payment fail on the 1st of the month, Telecel will make several deduction attempts against the Telecel Mobile Wallet throughout the month until successful payment is made.
• Attempts will be made to collect the premium every day of the month.
• A main insured person may cancel the policy by giving 30 days’ notice at a Telecel Service Centre with proof of identification.
• The policy is terminated on the death of the main insured person, cancellation by the main insured person, lapse of cover and/any other arrangement agreed between the main insured person and us.

 

1. Policy Change Packages

• If the main insured person elects to increase his/her cover, the benefits will be paid as follows:
  • If death is by natural causes the previous cover level will be in force for six months after which the new cover level will take effect.
  • If death is by accident the new cover level will take effect immediately and any claim will be payable as per the new cover level.
• If the main insured person elects to decrease his/her cover, the new cover level takes effect immediately regardless of whether death is by accident or natural cause.

 

1. Premium Payment

• Cover is for funeral expenses and disability support provided the premiums are paid in accordance with the rules below:
  • The first premium is due upon registration, while the premiums that follow thereafter are due on the 1st day of each month thereafter.
  • Premiums will be paid via the Telecel Cash Wallet.
  • The exact premium amount due must be paid. Part payments are not possible.
  • There will be no claim settlement if the policy has lapsed.
• The Grace Period for this policy is a maximum of forty (40) days from the due date within which the premium should be paid after which the policy will automatically lapse.

 

1. Lapse and Reinstatement of Cover

• The policy will lapse on the 40th day after the Premium Due Date if the premium is not paid by the aforestated date.
• A lapsed policy can be restarted upon payment of the premium. Where a policy is restarted, no claim shall be paid for death by natural causes for each month the policy was lapsed up to a maximum of six months following the restart of the policy.
• The policy shall not have a surrender value.

 

1. Notice Period for Premium Increase

Sixty (60) days’ notice will be given by us for any increases in Premium

 

1. Misrepresentation and Fraud

• Any misrepresentation or non-disclosure of a material information by the insured person may result in the policy being cancelled, a claim rejected or the policy being voided from inception without any refund of premiums.
• Any fraudulent act used to obtain any benefit by a policyholder or a beneficiary under the policy may render the policy cancelled or void from inception and any claim or premiums paid in such event will be forfeited.

 

1. Misrepresentation and Fraud

• Any misrepresentation or non-disclosure of a material information by the insured person may result in the policy being cancelled, a claim rejected or the policy being voided from inception without any refund of premiums.
• Any fraudulent act used to obtain any benefit by a policyholder or a beneficiary under the policy may render the policy cancelled or void from inception and any claim or premiums paid in such event will be forfeited.

 

1. Changes in Policy

• Any changes to the policy must be done either by USSD process on your mobile phone or at a Telecel Service Centre with proof of identification.
• Such changes are limited to:
  • Change of mobile number; and
  • Corrections of any personal details on the policy
• There can be no change in the identity of the insured person on a given policy other than official changes in name in accordance with the laws of Ghana.
• A cancelled policy can never be reinstated. An applicant will have to make a new application for a new policy.

 

1. Beneficiary

• A main insured person can only appoint one (1) beneficiary. A beneficiary shall receive the death benefit upon the insured person’s death.
• The beneficiary can only be an individual.
• Provision in any will or testament will supersede the beneficiary appointed in this policy, in accordance with The Wills Act of Ghana.
• If the beneficiary has died or where the main insured person did not appoint any beneficiary, the death benefit will be paid to the insured person’s surviving spouse on submission of a Marriage Certificate and ID.
• If the insured person does not have a surviving spouse the death benefit will be paid to a beneficiary nominated per the instruction from District Administrator’s office or the Person

• appointed on the letters of Administration for the deceased’s estate.

• If the beneficiary selected is an individual and is under the age of 18 the proceeds of the claim will be paid per the instruction from the Office of the Master of the High Court.

 

1. Indemnity

• A claim must be presented as soon as possible from the date of any insured person’s death. A claim will be paid into the beneficiary’s bank account or payment made by cheque.
• A claim will be submitted through Telecel Service Centres or a Hollard Branch office.
• We must be notified that a claim is being made as soon as reasonably possible after the death of an insured person but in any event no later than 180 (one hundred and eighty) days from date of death.
• In addition to a fully completed Telecel Claim form, certified copies of the following documents must be provided at Telecel Service Centres or Hollard Branch:
  • Death Certificate;
  • Mortuary Certificate and/or Receipts;
  • Medical Certificate of the Cause of Death (if the deceased
  • died in hospital);
  • Police Report (in the case of unnatural causes of death);
  • Police Report and A Coroner’s Inquest if death was at
  • Home or before arrival at hospital
  • Specialist Medical Practitioner’s Report (for Accidental
  • Disability Claims);
  • Deceased’s proof of identity;
  • Beneficiary’s proof of identity;
  • Proof of relationship to the insured person.
  • Beneficiary’s banking details; or
  • Beneficiary’s contact cell phone number.
• Pay out to the beneficiary will be into their Telecel Cash Wallet or bank account or a cheque payment will be made.
• Where a death certificate or medical certificate of cause of death has not been submitted with the initial claim, it MUST be submitted to us within 30 (thirty) days from date of filing the claim to enable us to pay the claim.
• The claim pay-out will be within 72 (seventy-two) hours after submission of all documents.
• In the event of death of an insured person, the benefit is paid to the main insured person.
• In the event the main insured person dies, the insured persons may be transferred to another main insured person as advised by the beneficiary and after consultations with new main insured person to continue their cover; failure of which the insured person(s) cover will lapse. Any premiums paid in advance by the deceased main insured person in respect of the insured persons shall be reimbursed and paid to the beneficiary.

 

1. Repudiation of Claims, Claims and Dispute

• In the event of repudiation by us of a claim or portion of a claim hereunder, a claimant may request us to review our decision within sixty (60) days period after claim repudiation letter was received. The appraiser’s view will not be binding on us but may serve as a basis for a reappraisal of the decision to repudiate.
• In the event of the beneficiary not agreeing with our reappraisal, the beneficiary will notify us in writing within thirty (30) days.
• Thereafter the matter shall be referred to arbitration by us in terms of the relevant legislation, within a period of sixty (60) days.

 

1. Communications

• We are entitled to address any written communication in the manner it deems most expedient by SMS or through other means such as the Telecel website (www.telecel.gh) or Hollard’s website (www.hollard.com.gh).

 

1. Limit of Indemnity

• Any claim brought by the beneficiary as a result of the MeBanbo Plan for whatever reason shall be limited to the benefit the insured person is entitled to in terms of their policy and these terms and conditions.
• The insured person may benefit from MeBanbo Plan as long as we continue to offer the MeBanbo Plan to the insured person. Any claims made after the discontinuance of MeBanbo Plan for whatever reason shall not be valid.
• We shall pay-out all claims that meet the terms and conditions and are submitted no later than 400 days from the date of death of the deceased insured person.

 

1. Whole Agreement

• These Terms and Conditions shall constitute the sole agreement between us and the insured person.
• No contrary representations or agreement to amend the Terms and Conditions shall be of any force or effect unless in writing and signed by someone specifically authorised thereto in writing by us or changes that are made electronically and agreed to by you.

 

Additional information

Note: This section does not form part of the policy and is provided for information purposes only.

To communicate with Hollard in connection with this policy kindly contact:

Head, Retail Market

Hollard Insurance Ghana Limited

Capital Place, 11 Patrice Lumumba Road, 1 Airport

Residential Area

P.O. Box GP 20084, Accra, Ghana

Tel: +233 20 999 5245

E-mail: yvonned@hollard.com.gh

 

To obtain a claim form, visit any Hollard office, your Sales Executive or www.hollard.com.gh

Only original documentation will be accepted. In the event that the original is not available, only certified copies will be accepted. Documentation can be e-mailed so that the administrator can start processing the claim. However, the original documentation still has to be received by the

administrator before payment of the claim can be made. The administrator will advise on how the original documentation can be submitted.

Hollard shall at all times have the right to inspect all documents relating to the policy and will communicate with you, or appointed Executor regarding any problems with the documentation.

 

Complaints Procedure

If you have a complaint about this policy, you could complain in the first instance to:

Your Sales Executive

Hollard: Head Retail market, 020 999 5245

National Insurance Commission: The Commissioner, 0302 238 300, 0302 238 301