Policy terms for.POLICY TERMS AND CONDITIONS
‘Fraud Warning: Knowingly presonting fale information Ia erie. Failure
{o disclose accurate information may rosul im nowpayment of @ claim
4nd all bonottsundor the Polly belng cancelled. Ne cash payments
Should be mode to sales representatives. Clients who make such cash
Daymonts dso at that own isk.
EY FEATURES AND BENEFITS 1
What isthe purpose ofthe Potey?
The Lifetime Needs Plan is designed to provide the member with
the means of sontributng to an irwestment fund which can mest
the members [fete needs. These needs inlude shie educaton
‘etirement (old age expenses), vocation, engagement an wedding 2s
‘well as housing projec. In aton, the product slso prowaes ie
{over whieh becomes. pajable to the beneficiary inthe event of the
‘demise ofthe Life Assured, or an Investment account payable at he
‘maturity ofthe plc.
How does the Plan Work?
‘Ta product provides alo cover, which is payable to the beneficiary in
the demise ofthe Life Assured: or an investment socount payable at
‘the maturty of the Poy
Can ! insure myself and other members of my family?
No, the Policy covers the Polcyholder alone. However, trustees and
Denefcianes Gan be named on the Poy
How much will the Policy pay out?
‘You decide how much benef ou would lke this Policy to payout. There
{are three Ife over options avaliable forthe Poleoleer wih varying
‘compositions of both he lfe cover and the investment elements
‘ill the Policy payout whon the Policyholder dios?
‘es, the Poly wil payout the benef chosen ithe Poloyhalder aes, 80
long as tne Poy Is actve and al condions are met.
How much premium will |have to pay?
‘Yeu determine how much to pay. The minimum premium fs GHS20.00
‘and the maximum ‘romium Ie GHS1,000. Tho Polley provgos an
Sptonal shart tm vestmentfacity and a cash bonus option. The
Sletion of these wl determine haw much you wl
[Ate there any age imitations?
es. The minimum age at entry is 28 years, anc the maximum age at
ety Is 54 years.
Can | increase my promiume and honofits anytime I want to do
so?
No, once you choose an option trom the start of the Polley, you
‘Stay with fe However ifthe automatic premium update is selected,
premiums and benefits wil increase automaticaly every Year Oy MS
Predetermined petoentage
How long will the Policy last?
The Pole is an oper-anded Poiy.
However the fllowing wl terminate the Poly
Premium peyments ceasing upon death of the Poleyoider
Poly lansing for norpayment of premiums and
you canoe your Foliy
How do I make a claim?
Claims can be reported at ary Enterprise Life Branch offices.
What documents will be required to process a claim
‘The documents required are spelt out inthe Policy conditions folder,
‘Won will the Policy not pay out?
Cais wi 90 be pata i
+ You do not truthfully provi all the information we ask for on your
application form.
‘Te Policy sin the woting perio,
‘The Policy has ceased due o norpayment of premiums.
Death is 28a result ofan exclusion,
1 buy a Policy will | benefit from it immediately?
For the investment component, penalties apply on early surender
Plcies that are surtendered of fermnateo before the 1th Year sil
be subject toa panty There Is Rowaver no walling period for the Ife
‘wnat nappens when the Polleyhotder dies?
Your nominates trust wil make a claim on youre
How do I got cover?
‘Simply by doing the folowing:
Provigo us wth al elevant information
Pay the required annval premism
‘A. INTRODUCTION
Pease take the time to study this document and understand the
benefits apotieable to your plan type. The ite assurance Poley terms
‘nd. conditions, appicaton form, communication of acceptance
trough SMS and the schedule of benefits printed on the website oF
Upon request) enforce the Policy contact between the Ife assured and
Entorrise Life (ve Ife insurer.
| Policy document contains many legal and technical terms, which ae
‘equiv to protect bath the Ife assured and the ensure. Enorpise
Life has, as mueh as possible set out the trms in plan Engish Inthe
Interest of the Polcyholder cieer understanding and communication,
‘The provisions and benefits inthis Policy document together with any
‘ectaration mage by the prineipal Ie assured constitutes the entra
‘ontvactand!no changes o alterations fo the Pocy wil be valid unless
‘confrmed in wring by Enterprise Lie
Please be advised that you are not ented to ary benefits under this
Polley unt you have fecelved confirmation from Enterpse Lie that
your appistion has been accepted and the frst premium received.
Please read these documents carefully and keep them in 8 safe place
for future reference,
8. BENEFIT DESCRIPTION
The Lifetime Noods Plan is designed to provide the member with
the means of eontrbuting to an rvestent fund which can meet
the member's ffelime needs. These neeus Include chill edveation,
retirement (etd ago experises), vacation, engagement and wedding a8
Wola housing project. In alton, the product also provides 2 ile
over which bacames payable tothe betefiary in the event of the
‘demise of the Life Assured, or an investment account payable st the
mmatunty of te policy The Policy holder is the only member whe
tan be covered, However hstees ang benefelares can be named
tn the policy.
Thore are three life cover options avalable for the Policyholder
with varying Compositions of bath the Ife cover end the imwestment
lements, ‘These ae specified in the table below
4. Life Cover Benefit
Le cover benett under ths Policy wil be forthe Poleyholder and this.
Wil depend onthe cover level orighay selected. This wl be
20X12 monty
premium
20X12 X month
El
Life Cover ~ Death of Policyholder
(nthe death ofthe Poleyholde, bafoca the maturation o¢ termination
‘ofthe Pole, the benefit payable wil be the greater of
‘he ia ite cover (sum assured) 3s stated in the Poly schedule,
lus any increases with respect to the automatic premium update
ano.
‘The amount of he Cash value at the time of death
However. the Policy has fecome Paidup Assurance, then benef
Bayable ll be the amount ofthe Cash value
2. Accidental Death Benefit (Double Sum Assured)
‘Where the Pleyholder des through an acident. the Policy wil ay out
thee the sum assured to his or her Beneficares. This Benefit not
‘applicable when the Cash Value becomes payable,
3. Full Eneashment Bonotit
This benefit provides the Polcyholder wih the full cash value without
any penalties this benefit Is applied for after 10 years of tho Paley
Ineeption. Should this option be exorcised the Policy wil automaticaly
terminate.
4, Partial withdraw&i Bonofit
Poloyholders may request for paral withdrawal only when the Policy
has. attained @ eash valve. Ths occurs efter the Poleyholder naw
‘made a minimum of 12 months payment. Partial encashment could
Be{soested nat mare than one yoo and RS ofthe cash5. Paid Up Benefit
When the Policy nas aequied cash value equal to oF exceeding
{GHS800.00, the PolyholGer may decide to stop paying premiums and
‘omvert toa Paldup Assurance, However the Paley benefits wiles:
{he Ife cover wl fal of and Se mestmert account wil remain. This
‘mount wil be payable on the matury of the Policy or on the Goath
Of the Poleyholder Policies that go into lapse before attaining a cash
‘ale exceeding GHSG00.00 willbe comerted to padup automaticaly.
(C. OPTIONAL BENEFITS
1. Cash Bonus Benefit
This is @ purely investment structured and disciplined way to save at @
{goed feu. The minimum premium i GHS10.00 whles the maximum
FE'GHS50.00. However the cash bonus premium is Iniuenced by the
‘ain premium such thatthe eash bonus premium selected cannot be
higher than the main premium Poleyholders oan withdraw fom the
‘urd ater the fst year Maximum allowable withdraval amount i 50%
But fall witharaval can Be made after 3 years and when this obeure,
premium payments into the fund can stil continue, The Poleyhoider
hase gpton to stop the contin no the furor sch a
windows
2. Lump sum Contribution
‘This benefit provides an optional short term investment felt under
{he Paley. alleontnbusions nll be aosounted for na spacial imestment
‘2ccount, The maximum contribution emourt nto the fund is GHS200
per month but tere is na minimum amount. However the flequency of
ontrbution depends on the Polcyholdr.Polioolders can witha
{tom the fund ater tho fst year. Contributions can stil continue ater
withdranal, and the Polleybolzer has the option to stop corttbutlng
Int the fund after fl wth
3. Hospitalization Benefit,
This beneft option provides the Poleyholder with dail xed amounts
ihe are stated in he table Below,
Option popeaons
Opton 2 : a |
ovens
‘Option 4 | oxsi00
Onions SSO z
‘This beneit becomes payable after @ minimum of tree (2) days sty
Jn 8 hospital, Tis implles that benefts wil not be payabe It the
life assured is hosplaized for @ period less than 3 Gays, However
‘once the minimum of 3 days has been exceeded, beneft payments
wll commence fom dey one when the Poleyholder was Nosptalzed
Fasptalzation Donets wil oe imied to a maximum period of 20 days
per éalendar year. However hospitalization benef ceases at age 65.
‘The monthly premiums payabe for the benefits above are as stated in
the table below or male and female categories.
[402 |
[407
4a
4/108, 260 | 424
ss fe 205 [ase
[sa [208 a02 [aut ie.
D.Poucy FEATURES
1. tavestment Promium Payable
The Investment premium payables determined by the Polcyholder,
[tis pai unt a death clam is pala out, the Policy is surencared, or
[Becomes paid uo. The minimum is GHS30 and te maximum premium
Is GHS1,000. Ths excludes the GHS1 Policy fee.
2, Policy Foo
Every mont the Poleyholdr is charged a Policy foe of GHS1.00
3. Froquoncy Of Premium Payments
Premiums are payable monty.
4. Minimurn/Maximum Ages At Entry
‘The minimum age at entry is 18 years. and the maximum age at entry
1s 84 years,
‘5. tnvestment Account
‘The. Company will maitaié on Investment Account, which shall be
elted with all respective premium. and rwostrent returns. in
‘Salton, « ump sum can be paid into the investment account of the
Poley whenever tne Poleynoier wishes to 6a,
‘The costs of administering the benefits as woll as the cost of the
Life Gover and other applicable benefits wil be deducted from this
‘count. These deductions will dapend on the [ove of cover proviced,
‘he age an sk calgory ino which the Pocyholder fale and the sits
ofthe Investment account. The percentage of premiums depostod into
‘Savings account foreach year Is shown bolow:
|A management fee of 2.5% per annum is deducted from the savings
‘account. These deductions re made on a monthly basis” Mortal
argos are dducted ae required to cover the wawer of premium
Benet
6. Investmont Return
The investment account will comprise of unit holdings of Enterorise
Life Investment portfolio The Poleys share In surpluses arising Wil
be evenly aistiouted and wil be reteced by changes in the portolo
Unit pce. Alltransections i the Investment Accounts wil be made at
the unt pice,
The unit prices wil be determined bythe performance ofthe investment
porfaloater taking nto account vestment management expen
{axes and ather charges.
While the Paliyholder bears the risk of all the imestment with no
Guarantee on retums, Enterprise Lie wil ensure the Poleynoldr's
{otal net premium is preserved subject to our conalions on the Poly
termination and surender,
17. Surrender Value
This is a benoft payable to the Policyholder on termination of Polley
after the Ptiey has attained a cash value, but before matty Perales
Spply on early surrender The surrender cenaly, as a percentage of he
investment account value, Is shown inthe table below
"Amante
Bia aoa
78 monty emi
ere ria
[sey roi
°
{8 Unemployment Bridging Facility
‘The Policy provides th Poliyholder with an option to apply to Enterprise
Life to hep the Polley actve for @ maximum petiod of 12 months
vwthout premium payments. The Poleynolger mist Submit poo! of
Unemployment to enjoy this fly, Te beneft can be applied for only
‘once dung the term ofthe Policy, Dur this period the deeth Dent
Bayadle wll bean accidental beneft of 30% ofthe sum assured, ore
frvestment amount, whichever fs greater, The Poly wil be corverted
tea paid up esurance if'no premiums come in ater 12 monthe
bridging perce.
.
‘9. Medical Underwriting
| Policyolder who opts for sums assured above GHS100, 000.00 will
Undergo medical examination and thancal underwnitng.
110. Promium Allocation And Charges
‘Te net premium, ater deduction ofthe unallocated premium (expense
4 commission) fam the gross. premium, will be allocated to an
investment account.
ee eesThe investment account will compris of unit holdings in one or more of,
Enterorise Lifes irwestment portfolios The cash valves the investment
‘Sccount nd wil be the sum ofthe value of tre unt holdings in each
investment porto,
‘The unit prices wil be determined ftom the investment performance
of the iestment portolo after taking nto. account mvestment,
‘management expenses, taxes and other charges.
Wie the Poieyholder bears al the investment rks with no guarantee
‘natura, Enorpriee Life wil enaure the Poleyhelder's net premium is
reserved subject to cur eandtons on Poli termination ang surrender
‘The porcentage of premium deposited into the savings account for
leach year fs shown below
I Year 2104
Years
Year 6+
, GENERAL PROVISIONS
1. Start of Cover
‘Cover will commence on the day following the Acceptance Date of the
‘pplaton and is subject fo Enterprise Life having feceved the st
Dayment ofthe premium es specie inthe schedule,
2. Mistatoment OF Age
ifthe age of ary of the Lves Assured Is incorrect any beneft that
becomes payable wil be reesleuated. The amount of benef payable
‘il be adjusted to the amount of Insurance that the premiums Bald
would nave provided Nad the Poiyholge's age been states corecty
‘his condition ts-not applicable to ages outsice the entry age limits.
Benefits are not payabe if the actual age of any ie aseured Ie not
vitin the age limit at entry.
3. Premium Payments,
Unless otherwise stated in the Policy. premiums are payable to
Enterprise Life unt
Enterprise Life admits a death or waiver claim on the Principal Lite
Assured; or
* The Poicys canceled,
Lapse Rute
| Plc wil apse won 4 consecutive premiums are missed.
‘Ae lasing, the Poeyholder can reinstate the Poly within 3 calondar
years fom the lepsed date
Poliholders wil be subjected to new otal underwriting ad aso the
follirg conations:
Polyoier wil pay a mont’s premium to reinstate the Poly
‘Te Policy wil be reinstated by restoring Itt the premium and
benef status twas before the Poley went into lapse
‘ eutstancing aemiums wil be deducted frm any benafts payable,
‘Theres no cover during the apse period.
‘ny cash bonuses which had accrued on the Polly wll not be run
own curing the reinstatement pei and remain the property of he
Polisholder,
|. Notification
Its advisable to notify Enterprise Life of any death claim within one
‘ear of the gocurenoe ofthe event to enable promot claim payment
Beton ndteatons ita f cause dln document vrteaon ans
claim processing
Should Emerprse Life ejector dete any claim, such claim wil apse
{abe of na force or eftect unless an action hae been started against
Enterprise Lite within two years of the claim arcing
6. Incontestabiity Clause
Entorrise Life may contest the valisity ofthe insurance contract on the
gourds of a materiel misrepresentation In the spplcalion/proposel
‘tn two (2) ears. A'materl mistepresertation In en apolcstion
{or ite insurance 1s a" misreprosertation thet Ta relevant to the
insuers evaluation of the proposed insured by Enterprise Life. The
Msropresentaton fs material when: te ‘rth Nad been known, the
insurer woula not have Issued the Polcy or would have sued the Policy
‘on afferent basis, such as @ higher premium ora iower sum assured,
1
7. Maturity, Surrender or Expiry Value
The riskbenofts under the Pelcy donot offer any maturity and surrender
‘alues. However the nonvisk benefits provide maturty and surender
bones payable fo the Poleyholder an maturiy er terination of the
Poly. This is however subject to Poly toms and conditions.
8. Amendments
Enterprise Life must be advised in witing of any change of Nominated
tives Assured or of any adtional relative of the Polynolder to be
‘added. Any deleton of @ nominated fe or appointment of @ Trustee
must be Brought t te notce of the Insurer in ke manner.
2. Conditions applicable to all Polley benefits
|. If the age of ary person is incarreet any benefit that becomes
payable willbe recalulated
I. The benefit payable will be subjected to a deduction of any
Indebtedness to Enterprise Life
‘the contract is surtenderes benefits will automatically cease,
‘tthe contract is cancelled benef will automatically cease,
mn.
Ww
10, Medical Clause
Enterprise Life reserves the gt to request for ful disclosure of any
Information conceming the health of te Poleyhader from ary gosto ot
‘medial faci, wnich may be In possession of soy such ifometion. The
Poljhelder hereby grees to the saclosure of such tals om his/her
doctor, medial facity abot nis state of heath even after tne demise of
{he Poeyholder Tis niormation shell emai in the STRICTEST conioonee
of Enterprise ie
14, Currency
‘This contract is issued in, and subject to the laws of the Republic of
Ghana. All monies payable n respect hereof whether by orto Enterprise
Ute are payin the lawful eurency ofthe Repu of Ghana
22, Exclusions.
Enterprise Life will not recognize any claim occasioned or accelerated
Dy ay ofthe folowing causes:
|. Slide, ettempted sulcde or ay selintcted injury whether the
Principal Ure Assured 9 sane of insane within the fst 2 years
‘after acceptance.
41, Any act coMimitted by the Principal Life Assured which constitutes
2 vllation of eriminl lw
Excessive uso of alcohol, wilful inhalation of gas, wilful exposure
to racioactiity or the wilul taking of poison Or drugs (except a5
Dreserbed by @ medica practiona,
‘Any act of war, military action, terrorist activities (whether war be
Geeiared or nat, rots tikes, evil commotion of insurection,
Sl cases whether ae an active partispant or noe
‘Active participation in mountaineering, horse riding, metor-cyle
‘acing, hunting. ary speed contest otner than a speed contest on
‘ot, orienting excent im setidefence);
Participation in ay form of aviation other than as a fere paving
passenger on a ‘Scheduled air sence over an established
Dassenger rote
Miltary service or training inthe armed forces of any country and
forthe purpose "mia sone sues my, naval ant
Vil. sitary combat outside of Ghana or miltary action intended to
influence or overthrow the rung Ghanaian government
v.
wi
13. Trustoo
‘The Polcyholder may by noting the Company in writing, appoint,
change or cancel the appointment of Tustae at anytime, Trustees
fecene the proceeds ofthe Poy In tespec of a claim aising from the
‘death of the Poleyhoider unaor the Policy where the onetlary (i)
Te appointment of @ new Trustee wil automatically cancel the prior
appointment ofthe existing Trustee, The appointment of «Trust
Be inerestve Ifthe said Tustee cies before the Polcynolcer. 1 he
older falls efter such Japsing. oF after the cancellation of the
‘appointment of @ Tustee tofeppomnt # new Tustee, the proceeds of
‘he Palicy wl Be payable tothe estate ofthe Poleyhsleer No provision
Invary Wit and Last Testament executed by the Poleyhaler wil hve.
the effect of canceling the appointment of @ Trust. The Tustee can
‘access te Poly ony ter the death ofthe Poiyhoiser14. Beneficiary
‘The Policyholder may, by notiying the Company in writing, sppdint,
Change or cancel a nominated Beneficiary at anytime. Enterprise Le
‘ill pay the benef from this Poly To the Polleyhoder, «Inthe event
{hat the Polyolder des, to the nominated ener that person Is
‘minor the beneft wil be paid to the nominated Trustee, Inthe event
thatthe benefean/ies or Trustees cannot be found, Enterprise Liu
pay the Benet to the esate ofthe Pollynaier
The appointment of a beneficiary wil be Invalid if his or her death
‘eeurs before that of he Paeyholder I the Poicyholde als to apport
‘er sucn incldent or after the cancellation of the appointment of 2
beneficiary to appoint a new bentcary. the bent of te Poly vill,
be payable to the estate of the Polynolder. No prewsion In any Wil
‘and Last festament executed by the Poleyholde wil have the elect
‘of cencoling the appointment of a beneficiary or of appointing a New
Benicar,
‘he beneficiary can exercise rights to this Policy only when the
Pleyhoer is dead
1, Residence and Travel
'Noestrctions apply as far as travel or residences concerned, However
tine time of taking Up the Poly all Lives Assured must be resident in
fhe Republe of Ghana.
Nolife cover benefits wl be pala for ary Polieyholder who's @ permanent
resident in foreign courtry. This provision may be waved atthe sole
‘isereton of Entrpise Lie
36. Assignments
The orga copy of any assignment of tho Ply must be suited
to the Company together with the Poly contract, whch wil then be
endorsed according. The Company wil not assume responsibilty as
{orth valiity of any assignment.
117, Communication
Tha Poleyholder may only regard communications with Enterprise Life
{38 received sent by han, mall post, trough emails or any electonic
Dlatform as advertised or acknowledged in wring oy Enterprise Life
118, Policyholder roview / Cancellation
he PolyPolder has the ight to review and cancel this Poy within
'30-days from the Acceptance Date and recene all premiums’ pad
Provided that no benef has yet been pad or claimed o” an insured
‘vent occurred. Ths cancelation must be communicated in terms of
paragraph 17 above bythe Polcyholder.
‘Mer comploton of tho 304ay period mentionod above, the Plisholder
‘may gv noice n wring to Enterprise Life to cance the Poly. The cover
‘mi eease on the date of cancelation. Cancel of the Policy leads
{o the loss of bonefts and all premiums paid Defoe cancelation but
{ty premiums pad after Enterptise Life reveles notice of cancellation
‘al be refunded
29. Claims Settlements
Wen 8 cai event eccur,te folowing is rege to process the
The Poley Terms end Conditions as issued
|. A propery completed claim form
Ii. Proof ofthe cccurtene ofthe covered event for whic the benef is
being claimed, the dent ofthe claimant and evidence of he age
ofthe ie n question,
IN. All assignments, beneficiary appointments and cancellations
thereat where apotcable
\. The company receiving payment of all premiums that are due and
payable
VL. Medical report or any relevant documents reports, which Enterprise
Life deems necessary to assess the lam.
Enterprise Life reserves the right to put of paying a claim covered
Lunde tis Poicy unt all requirements, as Specifies by Enterprise
tifeshave been met
wi
20, inflation Protector
When the Policy reaches an anniversary date, the premium, excluding
the Poly foe, wil be Increased by the percantage selected by the
Polcyholder. For each year thatthe premium is inreasea because of
the upaate faci, the cover wil also increase by the coresponding
percentage. Where to family burl benef Is applicable, the cover at
Sl Ives assured wil increase by the applcable benefit update rate as
Specified below. The update facity may be canceled or reduced by a
ttn request io Enterprise Lie
0.00%
5.00%
10.00%
18.00%
| 20.00%
25.00% i =|
30.00% Egg
‘The inclusion of tis benef in the Pole wil depend on the selection
you made on your appicaton. when selected or Wcluded in the
‘Bpotaton, they wil reflect automatically on your Schedule of benefits,
24. Grace Period
‘The Polcy shall alow a Polcyhokdor a gace pariod of 31. days to
ay renoval premiums folowing a premium due date. During this
{face period, Ife Insurance coverage shal continue in force. It the
Foloytolaer dies during tne grace period, Enterprise Life may deduct
‘the amount of any unpaid premium from the death bene payebe
22. CLAIMS BASIS
{, Death olim - intial sum assured plus any increases with respect
{o the premium update or the amount of the cash value atthe
time of death uhionover is greater
b, Matury claim ~ the total cash value in the Imestment account
F DEFINITIONS.
‘Accidental death shall mean “bos injury caused solely and directly
by olen, extemal accidental and visible means ans that such nury
‘sas the Sole cause of death” all oer causes of deat relating‘
lines. disease or ine ageing process, shall be doomed to be caused
bynatural causes,
‘child means one of the children ofthe Principal Life Assured and
Sr nominated spause including an adopted child, or # stepetld who
IS Unmarried and under the age of 21. The company must be advised
In wing of bet oF adoption ofan adatinal chid ofthe Painepal
Life Assured who is expected to bereft from the Poly.
Spouse ~ means the person to wigm the Principal Life Assured
Is legally married of witn whom the Principal Life Assured has an
agreement recognized 28,3 marrage in accordance with some lam
oF eustomend who eohabits with the Principal Lie Assured 28 i
Marted. The company must Be advised In wrtng of any change of
rominated spouse
Maturity Date - The plan is an open-ended Policy. This implies that
the Poliynolcer detormines how long the Policy shoud run. However,
Palcios terminating efter the 10th year wil be treated as matures
Whist these termnating before the 10th year wll be treated as
Surrenders. The Polley shall automatically cease on the Polley
Anniversary preceding the Poleyholder's 7Otn birthday.
Surrender — Canceling or terminating the Policy before the 10th year.
Unit Price - The price at which units are bought or sold. Ths Is
Getecmined by the retums eared In the market on the assets
Invested in, This price changes atthe end of each month
Unit Holdings. Tho total umber of units a Plleyholder has in his or
her account st any point in tine.
Trustee 9 person named by the Poiyolder to administer the Pley
Inthe event of the death of the Polaynolder. the Tustee Is not 2
beneficiary but nthe event of ceath, claims noticauon and payment
Is aaminstered by the Tustee for tie benelt of Denefiiates.
Notes i you do not understand any part of this terms and conitons,
Kindly contact any of our branch offees fr further clarifications.
Hospltalization-This shall mean admission toa recognized Inpatient
{peatment facity whereby the Insured member stave overnight st te
{oily for aminimum of 3 days andi treated whie ht resiaence there
by a medical personel. Outpatient treatment, whether or rot Is
related to 9 peri of nation treatment shall not quay fre claim
Under tis pley.
Recognized inpationt troatmont facility shall ean a faclity that
Isvetier as an approved prvate or pubic Inpatient veatient facity
by the Ghana Health Service.
°
_— —3rd Floor, Enterprise House, High Street, PMB, GPO, Accra - Ghana
DO (OM yO aR OOP ACL a ON TAK)
E: customerservice.life@enterprisegroup.com.gh; www.enterprisegroup.com.gh