The Mekakrawa microinsurance policy insures the subscriber and one dependent against death; accidental and natural death, total permanent disability and critical illness. In some cases, the policy is only available for individual subscribers.

In response to the introduction of this innovative insurance product, Dr. Hazel Berrard Amuah, the Chief Executive Officer (CEO), reaffirmed her organization’s unwavering dedication to empowering Ghanaians to fully embrace life’s opportunities and uncertainties. 

“Life is full of unpredictable twists and turns, and while the hope is for the best, it is essential to prepare for the worst. Accidents, illnesses, natural disasters, and unexpected emergencies can disrupt the lives of many and leave them financially vulnerable. This reality holds true not only in Ghana but across the globe, where unexpected events can materialize at any given moment. In light of this, having insurance coverage is a prudent choice. It stands as a shield against life’s uncertainties, fortifying individuals and their cherished ones against the unexpected challenges that may arise.”

“In this pursuit of safeguarding the well-being and financial security of Ghanaians, Prudential Life Insurance Ghana has steadfastly dedicated itself. The mission is clear: to empower individuals to make the most of life, ensuring that they can navigate life’s opportunities and uncertainties,” she added.

Here are five crucial aspects to understand about the Mekakrawa insurance policy, a product offered by Prudential Life Insurance Ghana:

1. Comprehensive Coverage: Mekakrawa offers a wide range of coverage, including protection against death due to natural and accidental causes, total permanent disability, and critical illnesses. In some instances, coverage may extend to individual subscribers.

2. Age Requirements: The minimum age for enrolling in a Mekakrawa subscription is eighteen (18) years, with a maximum age limit of fifty-nine (59) years. The policy ceases to cover total permanent disability and critical illness at the age of sixty-five (65). For dependents of Mekakrawa subscribers, the age range spans from zero (0) years to a maximum of seventy-four (74) years.

3. Affordable Premiums: Mekakrawa caters to all individuals with monthly premiums as low as GHc3, offering access to a bronze policy with benefits that can reach as high as GHc975. Premium options include GHc4.5 for Ruby, GHc9 for Emerald, GHc22.5 for Sapphire, GHc27 for Pearl, GHc36 for Gold, and GHc45 for Diamond, with potential benefits for the Diamond level reaching as high as GHc15,000.

4. Waiting Period: Subscribers should be aware of a three-month waiting period during which death and critical illness benefits are not payable. However, this waiting period does not apply to accidental death and total permanent disability benefits.

5. Documentation Requirements: To initiate claims under the Mekakrawa policy, policyholders and claimants must present identification documents, such as a National ID (Ghana Card), Voters ID, Passport, or Driver’s License. Some benefits may necessitate additional documentation, including a police report, death certificate, or other legal documents.

In light of these essential considerations, Prudential Life Insurance Ghana’s Mekakrawa policy stands as a valuable option to secure financial protection and peace of mind. To subscribe to this policy from the comfort of your home, simply dial *778# on MTN. You can also request a callback for a Mekakrawa subscription here.