Income Protection Policy

 

Tigo Income Protection Policy supports you when you can no longer work due to serious accident or illness.

 

What Does It Cover

You earn up to GHC 4000 as a lump sum in the event of partial or permanent disability as well as in case of selected critical illnesses (cancer stages 1 to 4, stroke with permanent brain damage, kidney failure). You also receive a hospitalization cover of GHC 60 per night of admission, from a single night up to a maximum of 30 nights per calendar year.

 

How Does It Work

  • Register in person at any Airtel or Tigo Customer Service Centre or with a BIMA agent by calling 550 for free
  • Dial *550# and confirm your registration
  • Payment is made through daily deductions of 30Gp for 24 days = GHC 7 from your airtime wallet
  • Partial payment of GHC 3 and GHC 5 in the month entitles you to a partial cover of GHC 2000 and 3000 respectively.
  • If you should suffer any of the covered conditions, call our customer support line on 550.
  • Your insurance cover will be paid to you in cash within 72 hours after you submit the complete documents.

 

Cover Levels

Premium payment in one month determines cover in the next month. The Policy is renewable monthly based on full or partial airtime deductions being received

 

Amount Paid

Days Charged

Full Lumpsum

Partial Lumpsum

Hospital Cover

Ghc 9

30

Ghc 5,000

Ghc 2,500

Ghc 80/night

Ghc 7

24

Ghc 4,000

Ghc 2,000

Ghc 60/night

Ghc 5

17

Ghc 3,000

Ghc 1,500

Ghc 45/night

Ghc 3

10

Ghc 2,000

Ghc 1,000

Ghc 30/night

 

Amount Paid Days Charged Full Lumpsum Partial Lumpsum Hospital Cover
GHc 9 30 Ghc 2,500 Ghc 2,500 Ghc 80/night
Ghc 7 24 Ghc 2,000 Ghc 2,000 Ghc 60/night
Ghc 5 17 Ghc 1,500 Ghc 1,500 Ghc 45/night
Ghc 3 10 Ghc 1,000 Ghc 1,000 Ghc 30/night

 

 

 

Claims

  • Dial 550 to contact our customer hotline to confirm how to claim.
  • You are required to bring your ID, medical report signed and stamped by a medical officer certifying permanent disability or diagnosis of the critical illness. For Hospitalization you submit an excuse note or discharge notice, Hospital Invoice
  • Submit your documents at any Airtel or Tigo Customer Service Centre.
  • You have to file claim within 180 of the passing

 

Exclusions

Benefits under this policy shall not be paid where:

  • Condition was diagnosed, or accident/admission occurred prior to commencement of cover as defined above.
  • Suffering an accident whilst under the 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 surgeries
  • Policy holder was older than 59 at the time of enrolment.
  • Cover is not earned for the month when accident/diagnosis/admission occurred.
  • Claim documentation is not authentic.

 

Tigo Income Protection Policy is exclusively available to Tigo customers and is powered by BIMA, a leading provider of mobile-delivered insurance with operations in 14 countries totaling 24 million customers. 

 

Click here for Terms & Conditions