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News

MicroEnsure speaking at the Financial Inclusion Banana Skins 2016: A round-table discussion on the recent CSFI report

richard-leftley

Financial Inclusion Banana Skins 2016: A round-table discussion on the recent CSFI report with David Lascelles (editor), sponsors Deborah Drake (Center for Financial Inclusion) and Philip Brown (Citi), and a panel of experts. To be held on Thursday, September 29, 2016, from 12.30 to 2.15pm. At the London Capital Club, 15 Abchurch Lane, London, EC4N […]

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Can financial inclusion beat the odds by combining micro-credit and micro-insurance?

farmers-walking-up

Blackjack is one of the few casino games where sufficient knowledge about the order of the cards allows you to systematically beat the odds. The problem is that its hard both to keep track of the cards and to calculate whether to stick, twist or fold. In 1982 some adventurous geeks figured out that several […]

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MicroEnsure speaking at the 12th International Microinsurance Conference 2016

Sacks of coco beans being unloaded from an articulated trailer in a typical market scene. Agbogbloshie Market, Accra, Ghana

Between 15-17 November 2016, Rehan Butt, our Head of Business Development in Asia will be speaking in various sessions at the 12th International Microinsurance Conference in Columbo, Sri Lanka. For more details click here         If you are a human and are seeing this field, please leave it blank. Fields marked with an […]

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Blog

Creating access and demand for social good

Written by Richard Leftley No matter how great a solution you build, you still have to get people to use it. When you’re working on a product or service that helps society, it’s easy to hope and believe that people will beat a path to your door to better their lives. But, like many things […]

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Testimonials

Portrait of an African Lady. Rauya, Moshi, Tanzania

Adedoyin Adeyemi Adetayo

On 11 May 2015, Adedoyin Adeyemi Adetayo received an SMS notification from Airtel requesting her to register for Airtel Insurance via *259#. As a result, she went to the Airtel shop in Ilupeju to find out more.

At the Ilupeju Airtel shop she met with a MicroEnsure Engagement Officer who gave her more information and enrolled her on the policy.

Adedoyin was at her shop on 13 July 2015 when she started feeling feverish, so visited the Doctor at Agege General Hospital, Orile Agege. At the hospital, she was diagnosed with chronic malaria and was immediately placed on admission. Following treatment, she was discharged on 17 July 2015.

After being discharged, she visited the Ilupeju Airtel shop to submit her documents for a claim request and on 25 August 2015, she received a call from MicroEnsure asking her to pick up her claims benefit cheque of twenty five thousand Naira (N25, 000).

Adedoyin intends to put the money she received back into her business, and she thanked all the partners that put together Airtel Insurance for making it happen.

To be part of the Airtel Insurance Family, simply register simply by dialling *259#.

Airtel Ghana

Adedeji Emmanuel Oladiti, a businessman who resides in Ibadan, subscribed to the Airtel Insurance policy on 15 July 2015 through his mobile phone. On 22 September 2015, Adedeji fell ill and was admitted to ‘Top Choice Hospital’, Mokola, Ibadan for Malaria treatment.

Upon discharge, he submitted the necessary documents at the Airtel Palms shopping mall, Ring road, Ibadan to make a claim.

On 29 October 2015, Adedeji received a N50,000 cheque at a presentation ceremony held at Palms shopping mall. Adedeji thanked Airtel, Cornerstone and MicroEnsure for the impressive product and promised to tell all his friends and family about Airtel Insurance.

For the FREE Airtel Insurance policy just Dial *259# to register.

For those that are not on Airtel Network who wish to enjoy the privilege all you have to do is buy an Airtel Sim and register.

Aitel claim 1

Adeniji Owolabi is a bachelor, who owns a small scale business and is from Orile Agege in Lagos state.

Adenji fell ill and went to Temitope clinic Aboru, Iyana Ipaja for a series of tests. As a result, he was diagnosed with Typhoid fever.

Initially, Adenji thought it was a minor ailment, and it was not until he got back home and had a high fever that he realised how sick he was.

The next day he revisited the hospital and was immediately placed on admission from 19 to 23 December 2015. Upon discharge he paid N3,800 to cover his hospital bill. Adenji was introduced to Airtel Insurance by a friend who taught him how to register.

Following his discharge from hospital, he received a text message on the policy for the month of January 2016. He then called the Airtel Customer Services for more information, and to his surprise he was requested to submit some documents at the Adeniran Ogunsanya, Surulere Airtel showroom.

Adenji was presented with a cheque for N10,000 at a claims presentation ceremony.

He plans to spend the money on himself, and promised to tell all his friends, family and relativesabout the great and wonderful experience from Airtel.

To join and enjoy FREE insurance from Airtel, Dial *259#

Customer testimonial (5)

Olusola Oni, is a School teacher from the ijero local government area of Ekiti state. He loves to play scrabble, reading, singing praise worship songs, meeting people, and surfing the internet.

Olusola said his illness started in 2009 when he felt pains around his heart while eating, and over the years the pain worsened even though he had been on medication to suppress it.

For his usual check-up he went to the hospital where a scan, a series of tests and a chest x-ray was conducted.

The scan revealed that he had a left ventricular hypertrophy, which is the enlargement of the left ventricle, a symptom of an underlying health problem. Olusola was admitted for five days at Okiki hospital and he said; “I went vegetarian on my meals at one point because I thought my cholesterol was high and this led to weight loss and loss of strength. Cooking my meals separately was financially demanding and the illness bothered my family a lot’’.

He also said that he had been receiving text messages about Airtel Insurance for a while, so he decided to give it a trial and was registered by an Engagement Officer from MicroEnsure at the University of Lagos sometime in June 2015.

Olusola further disclosed that he often talks about Airtel insurance with his family, but to them the product seemed like a scam. He added that his cheque of N10, 000 would be proof that Airtel Insurance is real and that the claims process was not stressful. He also said the money would be used for continuous treatment like the MRI scan for further diagnosis.

Olusola expressed his gratitude to Airtel, MicroEnsure and Cornerstone for fulfilling their promise and promised to keep spreading the word that Airtel insurance is real. Olusola Oni was presented with a cheque of N10,000 on 2 March 2016 at the Airtel Shop in Oba Akran, Ikeja Lagos.

Customer testimonial (6)

Hassan Olasunkanmi is a business owner and married with children and is a resident of Ijebu-Ode in Ogun state.

Some years ago, Hassan fractured his left hand while riding a bicycle. However, he never felt any pain up until recently when he started to lose the feeling in his fingers.

When this occurred again, he decided to visit the Rubuu hospital in Sango Ota on 16 February 2016 for checkup and was admitted for internal fractures in the left hand.

After spending six days in hospital, Hassan paid N135,000 upon being discharged. Luckily for Hassan, he had registered for Airtel Insurance in December 2015 upon receipt of an SMS from Airtel.

Being a faithful Airtel customer, he dialed *259# and followed the prompt. Whilst on his sick bed in hospital, he received a monthly Airtel Insurance cover SMS informing him of his qualification for free Airtel Insurance.

This prompted him to call Airtel customer services to find out how he can make a claim. The customer service agent then talked him through the process of making a claim. Hassan followed the instructions and he was very happy to find our that he was entitled to receive N50,000.

At the cheque presentation ceremony, Hassan expressed his joy by stating that the N50,000 is a relief as he paid a large sum of N135,000 upon being discharged from the hospital.

Paul Logah

45-year old Paul Logah is a banker and pastor residing in Tema – Accra.

As a loyal customer, Paul received an SMS one day giving him information on Airtel Insurance. This sounded like an interesting product to him so he decided to sign up for the Family Cover, which gave him the chance to register himself and one family member of his choice.

Family members who are enrolled on the family cover must be between the ages of 1-75 years. Paul decided to register his 74-year old grandmother, Felicia Gblah,  for the insurance cover. He consistently paid his monthly premium of GHS 3.00 to ensure that himself and grandmother were covered each month.

At the age of 76, Paul’s grandmother suffered a severe Hypertension which resulted in her being admitted to hospital for over a week. On the 18 January 2016, grandma Felicia passed on.

When Airtel sent out the monthly cover SMS alert, Paul was reminded of his insurance policy which covered his grandmother in the event of death as well.

After calling 580 to report his claim, Paul was later called back to submit the relevant documents for his claim to be processed.

 

Based on his previous month’s airtime usage before his grandmother’s death, Paul received a claim payment of GHS 1,000 which was paid into his Airtel Money account. An SMS was sent to his Airtel number notifying him of the payment.

Paul said the money contributed towards his grandmother’s funeral expenses.

After his grandmother’s death, Paul has been able to insure another family member on his Airtel Insurance Family Cover package. He said “Airtel Insurance is a good product”.

About Airtel Insurance

Airtel Insurance is an insurance policy for all Airtel prepaid customers aged between 18-75 years who are resident in Ghana. It provides Life, Accidental Permanent Disability and Hospitalization Cover for either the Subscriber alone or the Subscriber and one family member (depending on the chosen package) at a premium payment of GHS 1 or GHS 3 per month. To increase your benefit, just use more airtime.

Airtel Insurance is underwritten by Enterprise Life and powered by MicroEnsure.

Simply dial *580# to register for free or call 580 for more information.

Francis OduroFrancis Oduro, a 54 year old Ghanaian worked as a Lands Operator at Damang, for 14 years, until his redundancy in February 2016.

He has been a loyal customer of Barclays Bank for the past 18 years and also channeled his salary through the Ultimate Account for all these years of his employment.

Asked how he heard about Retrenchment Insurance, he recounted that after being retrenched he went to his branch at Tarkwa to carry out a transaction, and there he was informed about the retrenchment package and its requirements. He gathered the necessary documents and submitted his claim to the branch a few days later. andhe was told that he would be contacted once the payment was ready. He explained that the process was so easy and he received an SMS confirming payment of GHS 8,362.81 within the given time frame.

Generally, Francis believes insurance is a good thing, however, he also thinks that some of the insurance companies are not truthful.

Nonetheless, he indicated that he was confident that Barclays and its partners would be faithful.

He emphasizes that Barclays Bank is a good bank; their customer service is amazing and he will advise everyone to bank with Barclays. Currently, his colleagues who are still in employment are eager to move to Barclays because of his testimony.

He disclosed that as a father of seven, the money he received would be used to pay his children’s school fees for the  time being.

Finally, he expressed his appreciation to Barclays and their insurance partners – MicroEnsure and Enterprise Life for honoring their word.

James DentehJames Denteh is a 34-year old Airtel Premier customer, residing in Madina in the Greater-Accra Region.

As an Airtel Premier customer, James received a call from Airtel informing him about Airtel Insurance, and after the call, he decided to go through the registration process for the Family Cover. This  allowed him to register himself and a family member on the insurance policy.

Each month, he ensured that he  topped up his airtime with the monthly premium of GHS 3.00 , to ensure his insurance cover for each month continued.

On 23 November 2015, James fell ill and was admitted at the 37 Millitary hospital for five  nights. Whilst on admission, he remembered about his Airtel Insurance policy entitled him to a Hospitalization cover benefit having been admitted for 3 or more nights. He immediately dialed 580 to report his claim.

After James was discharged, he received a call giving him directions on the type of documentation to submit in order for his claim to be processed for payment.

Upon submission of all the necessary documents, an amount of GHS 300 was paid into James’ Airtel Money account. An SMS notification was sent to his phone to confirm the payment.

James said “Airtel Insurance is one of the things I can boast of my network provider”.

He used his claim money to take care of some of the costs he incurred whilst on admission.

About Airtel Insurance

Airtel Insurance is an insurance policy for all Airtel prepaid customers aged between 18-75 years who are resident in Ghana. It provides Life, Accidental Permanent Disability and Hospitalization Cover for either the Subscriber alone or the Subscriber and one family member (depending on the chosen package) at a premium payment of GHS 1 or GHS 3 per month. To increase your benefit, just use more airtime.

It is underwritten by Enterprise Life and powered by MicroEnsure.

Simply dial *580# to register for free or call 580 for more information.

Cynthia Ann NnahCynthia Ann Nnah, a retired businesswoman from Ezeugwu area of Awka State is a married with children and grandchildren.

Cynthia, a diabetic, unfortunately had a serious attack on the 15th February which led to her being hospitalized for four days from 15th to 18th February 2016.

On discharge, Cynthia paid over N60,000 as her hospital bill. Whilst still thinking about the huge sum of money which she paid during her hospitalization, she received an SMS reminding her of Airtel Insurance.

She then called the Customer Service for more information on how to make a claim. She was then asked to submit   the necessary document to the nearest Airtel shop to her. This she did by visiting the Airtel showroom at Adeniran Ogunsanya street in Surulere.

She received an acknowledgement call from MicroEnsure on the same day and after three days she received another call that her cheque of N50, 000 is ready for presentation at the Airtel showroom in Surulere.

Cynthia expressed her gratitude to Airtel, Cornerstone and MicroEnsure for putting a smile on her face after spending so much at the hospital.

ABOUT AIRTEL INSURANCE

To join and enjoy FREE Airtel Insurance, Dial *259# to register.

Adedeji OladitiAdedeji Emmanuel Oladiti, a businessman who resides in Ibadan subscribed to Airtel Insurance policy on 15th July 2015 through his mobile phone.

On 22nd September 2015, a few months after his subscription, Adedeji fell ill and was admitted at Top choice hospital, Mokola, Ibadan for Malaria treatment.

Upon discharge, he submitted the necessary documents at the Airtel Palms shopping mall, Ring road, Ibadan to make a claim.

On 29th October, 2015, Adedeji received a N50, 000 [Approx. USD $250] cheque at a presentation ceremony held at Palms shopping mall, Ring road, Ibadan.

Adedeji thanked Airtel, Cornerstone and MicroEnsure for the impressive product and promised to tell all his friends and family about Airtel Insurance.

 For the FREE Airtel Insurance policy just Dial *259# to register.

For those that are not on Airtel Network who wish to enjoy the priviledge all you have to do is buy an Airtel Sim and register.

Hassan OlaskHassan Olasunkanmi is a business Owner and married with Children. He is an indigene of Ijebu-Ode in Ogun state.

Some years past, Hassan had a fracture on his left hand while riding a bicycle but never felt any pain up until some years later when he started feeling that he could not move one of his fingers.

This occurred again and he then visited Rubuu hospital in Sango Ota on 16th February 2016 for checkup and was admitted for internal fractures in the left hand. After spending 6days in the hospital from 16th to 21st February 2016, Hassan paid N135, 000 on discharge from the hospital.

Luckily for Hassan, he had registered for Airtel Insurance on the 11th December 2015 upon receipt of an SMS from Airtel. Being a faithful Airtel customer, he quickly dialed *259# and followed the prompt. While on his sick bed at the hospital, he received a monthly Airtel Insurance cover SMS informing him of his qualification for the free Airtel Insurance.

This prompted him to call Airtel customer service to find out how he can make a claim. The Customer Service agent then enlightened him on the process of making a claim. Hassan did this and he was very happy to know that he is entitled to receive N50, 000.

At the cheque presentation ceremony, Hassan expressed his joy by stating that the N50, 000 is a relief as he paid a large sum of N135, 000 upon discharge at the hospital. Hassan promised to tell as many people as possible that Airtel Insurance is real and helpful to the average Nigerian man.

ABOUT AIRTEL INSURANCE

Dial *259# to enjoy FREE Insurance from Airtel, Cornerstone and MicroEnsure.