Customer: Gloria Leonite Kuttoo
Location: Ghana
Amount received: 250 GHS [Approx. $56 USD]

Gloria Leonite Kuttoo registered on Airtel Insurance in December 2015 and this is the second time she has benefitted from Airtel Insurance. On 3rd July 2017, Gloria gave birth to her second child, a boy, by Caesarean Section and ended up spending three (3) nights on admission.

Once discharged from hospital, she notified Airtel of her claim and upon submission of all the required documents, an amount of GHS 250 (approx. $56 USD) was paid into her Mobile Money Account.
Gloria said “Airtel Insurance is very good and it works.” She expressed her gratitude to Airtel and their partners for coming through for her a second time. She used the money to take care of some of the expenses incurred during her stay in the hospital.

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, Hospital Cash and Maternity Cover for either the Subscriber only or the
Subscriber and one family member at a premium payment of GHS 2 or GHS 4 per month (depending on the chosen package).
Airtel Insurance is underwritten by Enterprise Life and powered by MicroEnsure.
Simply dial *580# to register for free or call 580 for more information.
Airtel Insurance assists with Hospicash claim

Customer: Felix Bell
Location: Ghana
Amount received: 3,500 GHS [Approx. $790 USD]

Felix Bell, a 45 year old construction worker lived with his wife and son in Gbetsile, a
suburb of Tema.
In August 2017, he registered himself and his wife, Bernice Bell, to whom he has been married for twenty years, on Airtel Insurance (Family cover option).
One day, Bernice complained of feeling unwell so Felix gave her money to go to the hospital, but the doctors were unable to tell what was wrong with her. As time went on, Bernice’s health kept deteriorating and she kept losing weight. Not knowing what else to do, Felix took her to Tema General Hospital for a second opinion where she was diagnosed with chronic liver disease and severe Anaemia. The doctors immediately commenced treatment as her condition was advanced and for a while she seemed to be responding to treatment.
Felix was on his way to work one morning when he received a phone call from his
sister-in law, who was living with them at the time, informing him that his wife was neither breathing nor moving. He quickly returned back home and with the help of a friend, Bernice was rushed back to the hospital.
Whilst the doctors were attending to her, he went to the bank to get money to cater for the anticipated medical cost. Whilst he was still out, his sister-in law called him again asking him to immediately return to the hospital as her sister’s health had taken a turn for the worst. On reaching the hospital, he was given the devastating news that his wife, Bernice, had died. Two (2) days later, he called 580 to report his claim and was later called back and advised on the required documents he needed to submit for his claim to be processed.
He said he had no doubt that his claim would be paid and that he was expecting to be paid between GHS 1,000 and GHS 1,500. He was extremely happy and pleasantly surprised when he received the alert on his phone informing him that an amount of GHS 3,500 was paid into his Mobile Money Account. He said some of his friends have registered on Airtel Insurance because of his claim experience.
Felix said “I am very grateful to Airtel for what they have done for me. Airtel Insurance is not a lie, it is genuine and you can always count on it.”
He said part of the money he received would be used to take care of some of the funeral expenses and the rest would be invested in their son’s education.

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, Hospital Cash and Maternity Cover for either the Subscriber only or the Subscriber and one family member at a premium payment of GHS 2 or GHS 4 per month (depending on the chosen package). 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.

Customer: Gabriel Martey
Location: Ghana
Amount received: 3,500 GHS [Approx. $790 USD]

Gabriel Martey, a loyal subscriber of Airtel for four (4) years, had no knowledge of Airtel Insurance until a colleague from work mentioned it to him. He called the Airtel
Customer Service in order to get more information on the product and went on to register himself and his 2-year old daughter, Keturah Gabriel Martey, in September 2017.

Barely three (3) months later, Gabriel and his wife noticed that Keturah’s temperature was very high so they took her to the hospital where she was diagnosed and treated for Malaria and Bronchopneumonia. She was discharged on the fourth day when her temperature had gone down. Her mother took her home whilst Gabriel left for work. He was later called by his wife and informed that Keturah had collapsed and had to be rushed back to the same hospital. After she regained consciousness, her parents transferred her to the Tema General Hospital based on the doctor’s advice.
At the Tema General Hospital, she was kept under observation but her condition got worse the next day. Gabriel was asked to go and purchase some medications from the pharmacy and whilst he was there, he received a call informing him that Keturah had died. The medical report revealed the cause of death as Respiratory distress due to Sepsis, Bronchopneumonia and severe Malaria.

Gabriel later called 580 to report his insurance claim and was later called back and advised on the documents to submit. After submitting his documents his claim was processed and a benefit amount of GHS 3,500 was paid into his Airtel Mobile Money Account. He said he initially thought it was a fraudulent product but after he received the SMS alert of his claim benefit, he was very elated and now knows that “Airtel Insurance is real.”

He has even convinced some of his friends as well as two of his brothers to sign onto Airtel Insurance. The money he received was used to take care of some expenses and also pay back friends from whom he borrowed money during his daughter’s sickness.

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, Hospital Cash and Maternity Cover for either the Subscriber only or the Subscriber and one family member at a premium payment of GHS 2 or GHS 4 per month (depending on the chosen package). 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.

Customer: Charles Lamptey
Location: Ghana
Amount received: GHS 2,500 [Approx. $564 USD]

Martha Quarcoo signed up for Fearless Insurance on 22nd September, 2017 and registered her 25 year old son, Charles Lamptey as her Next of Kin. She opted for the 12-month cover which cost her as little as GHS 30 (approx. $6 USD) in premiums.

On 21st January, 2018, while on a phone call with her son, Martha complained of
diarrhoea. Her diarrhoea apparently started the afternoon of that day but by the evening when there was no improvement Martha was rushed to the La General Hospital. She was immediately attended to with intravenous fluids (drips) to replace the fluids that she had lost. Her children, Charles and Gertrude stayed by her bedside and left her at dawn. Gertrude returned that morning and while bathing her mom, Martha sadly died.

While sorting her mom’s documents, Gertrude found their mom’s insurance
documents and with the assistance of MicroEnsure Claims team in processing the relevant documents, Charles received a claim benefit of GHs 2,500 (approx. $564 USD).

Charles described the process as easy, he said, “I have never had any insurance policy because I thought insurers were like some of the microfinance companies who take your money and run away with it.”

Charles went on to say after receiving the Fearless claim benefit, he has seen for
himself that insurance works. He is going to sign up and get his friends to also come on board. Meanwhile, his sister Gertrude and her husband have signed onto the product.

A portion of the money received was used to repay loans received from friends to organize the funeral, another portion was also paid to the leadership of his mother’s church. This was to show their gratitude for the church’s support during their mother’s burial. What was left of the money was then shared amongst the children of the deceased. They indicated that the money paid them has given them peace of mind because all their debts have been paid.
They were truly grateful to MicroEnsure and Enterprise Life for coming through for them in this moment of need.

About Fearless Insurance
The Fearless product, is a micro-insurance product designed for any Ghanaian resident aged 18-75 years. It provides Life, Health Cash voucher, Maternity, Accident and Health advice covers for policyholders and up to 5 of their family members aged 1-75 years. There are 3 packages as indicated in the table below:

Package Premium
3 Months GHS 10
6 Months GHS 20
12 Months GHS 30

Fearless is a product of MicroEnsure Advisory Services Ltd. underwritten by Enterprise Life.
To register, call 055 001 1998 or see any Fearless Agent

Customer: Augustina Kwakye
Location: Ghana
Amount received: 500 GHS [Approx. $110 USD]

Augustina Kwakye is a 42-year old trader living in Swedru with her husband, Nicholas Nyarko, and their three (3) children. She took a loan of GHS1,000 from the
Swedru branch of Opportunity International Savings and Loans Limited (OISL) on 20th July 2017 to expand her wax print business.

On 24th August 2017, Nicholas went to work as usual but started complaining of a severe headache later on in the day. With the help of two of their co-tenants, Augustina rushed her husband to the Swedru Government Hospital where he was admitted. But sadly he died the next day at the hospital.

Augustina went to the Swedru branch on the same day to inform them of her husband’s death and with the branch’s help, she was able to submit the necessary documentation to process her claim.

A cash benefit of GHS500 was paid to Augustina following the death of her husband.

Augustina, who had no insurance policies prior to taking a loan from OISL, said
“insurance is good” and the cash benefit she received would be used to pay her children’s school fees.

About OISL Insurance
Credit-Linked Insurance (‘’Obra Pa’’) is an insurance policy for all OISL loan clients between 18 -70 years who are resident in Ghana.
The insurance covers Life of the borrower, Permanent Disability, Hospitalization, Life of spouse and up to 3 children as well as Destruction of business property by fire and allied perils.
Premium is 1% of the loan principal amount.

‘‘Obra Pa’’ Insurance is underwritten by Enterprise Group and powered by MicroEnsure.
For more information, simply visit any branch of Opportunity International Savings and Loans Limited.

Customer: Gifty Banahene
Location: Ghana
Amount received: 500 GHS [Approx. $110 USD]

48 year old Gifty Banahene has been married to Charles Kwesi Nyarko for 25 years and they have 10 children. Gifty trades in provisions, footwears and materials whilst Charles works as an accountant at Begoro Senior High School. On 21st February, 2017, Gifty took a loan of GHS700 from the Swedru branch of Opportunity International Savings and Loans (OISL) to expand her business.

On the morning of 14th April 2017, whilst doing her house chores, Gifty received a call from Begoro informing her that her husband had been rushed to the hospital after complaining of chest pains. Unfortunately, Charles died in the hospital. The autopsy report revealed that he died of Cerebrovascular Accident, also known as a stroke.

Soon after, Gifty informed her Relationship Officer of her husband’s death and was advised on the necessary documents to submit for her claim to be processed. Upon submission of all documents, she received a funeral benefit of GHS500.

When asked what she thought of insurance, she said it is “very helpful” and she intends using part of the money she received to pay her children’s school fees and the rest will be invested in her business.

About OISL Insurance
Credit-Linked Insurance (‘’Obra Pa’’) is an insurance policy for all OISL loan clients between 18 -70 years who are resident in Ghana.
The insurance covers Life of the borrower, Permanent Disability, Hospitalization, Life of spouse and up to 3 children as well as Destruction of business property by fire and allied perils.
Premium is 1% of the loan principal amount.

‘‘Obra Pa’’ Insurance is underwritten by Enterprise Group and powered by MicroEnsure.
For more information, simply visit any branch of Opportunity International Savings and Loans Limited.

Customer: Martha Auma
Location: Kenya
Amount received: 5000Ksh [Approx. $49 USD]

In January 2014, Martha lost her husband to a car accident. The previous year she had lost her younger sister to cancer, leaving five young children that Martha took in as her own. She was left with the responsibility of being the sole breadwinner for the five children. She started a small business selling fish, which she did for a few months until her health started deteriorating. Soon after she was diagnosed with diabetes.

The diagnosis was a strain on her and her family. She changed her diet, purchased medication and made regular visits to the hospital for check-ups. Martha still remained responsible for the school fees and other house bills, and the stress and strain resulted in her developing high blood pressure.

In November 2017, a Fearless agent met Martha near here home and explained the product, and its benefits. She felt it was a good product at a reasonable price that she could afford to pay. She didn’t have the money at the time, but promised to purchase the next time. When the agent returned the next week, Martha purchased the three-month cover for 497ksh. (approx.$4 USD)

On 21 January, a Saturday night, she wasn’t feeling well, and she couldn’t sleep. She asked her daughter to take her to the hospital the next day. Sunday morning they went to Thika nursing home where she took the necessary tests and found her blood sugar had become dangerously low, and her blood pressure had spiked. After two nights in the hospital she contacted MicroEnsure using the number on her membership card.

The claims team from MicroEnsure Kenya contacted Martha immediately to initiate the process to confirm the claim and verify her documentation. From the time Martha contacted MicroEnsure, to the time that her claim was approved was only 6½ hours. On the very next day she received cash on her Mpesa account, a much needed 5,000 ksh (approx.$49.00 USD) to help pay for her medical expenses.

The following week the MicroEnsure Kenya Fearless team visited Martha at a clinic nearby her home, giving her flowers, fruits and a smile. Martha was is in the process of recovery and was very impressed by the quick turnaround in receiving her benefit. She is very thankful for having Fearless Insurance, and appreciative of MicroEnsure and the claims team, saying, “I had doubted it because I don’t trust insurance companies, some don’t pay, but now I believe in it and am very happy because it’s effective and efficient.”

About Fearless Insurance
To be completed once received from Shane.

Customer: Layza Edelmo
Location: Philippines
Amount received: Php 100,00 [Approx. $2000 USD]

Layza Edelmo, 35, is a mother of two and a resident of Molo, Iloilo City. She is a long time member of Taytay sa Kauswagan Inc. (TSKI). Layza, along with her own family, is sharing their little home with her parents and two unmarried aunts. She works as a baby sitter and her husband, as a carpenter.

One of her aunts, Gemma Edelmo, 48, contributes to their daily expenses by selling a variety of candies and biscuits in a side street near their local chapel. Gemma, like Layza, is also a member of TSKI and has an insurance under Gold Plan 2.

On the third week of December 2016, Layza arrived at their house and discovered that Gemma was having difficulties in breathing and was enduring chest pain. They didn’t rush her to hospital right away since they are worried of the expenses but when the situation got worse, Gemma was brought to the nearest hospital. Unfortunately, three days after her hospitalization, Gemma passed away due to heart failure.

Layza and her family were in deep grief since Gemma is always there for them especially in helping with their financial needs. Gemma is remembered as a friendly, hardworking and generous person. She is also actively participating in church activities.

Layza happens to be the beneficiary of Gemma in her policy under Gold Plan 2. Few days after the incident, and with the help of TSKI branch staff, Layza facilitated the claims and provided the necessary documents. Layza received a total claim amount of Php100, 000 in check. The said amount was used to pay their debts and funeral expenses and to fix parts of their house. Some amount were also given to Gemma’s brother and the remaining amount was saved for the education Layza’s children and for their daily expenses.

For a less fortunate family like Layza’s, this loss of a loved one could not only affect their daily lives but can also destabilized their financial situation. In this case, insurance money can somehow help ease the situation.

“The amount was a great help for us. If not because of it, we may be in great debt today.” – Layza Edelmo

About the product
Gold Plan 2 is a product offered to renewing clients of TSKI which covers the principal member and five family members with life and accidental death and dismemberment insurance.
To find out more about this insurance and other products visit your local TSKI branch or call +63 9992298969.

Customer: Mr Kelvin Omondi
Location: Kenya
Amount received: 1000 KES (approx. $10 USD) + Loan balance of 117,427 KES (approx. $1,130 USD) paid to Musoni

Kelvin Omondi is a diligent young man with a shoe business at Gikomba market. He is married to his dear wife Veronicah Omondi and they have four wonderful children. He currently resides at Babadongo estate and for the last 10 years Kelvin wakes up early in the morning to meet his customers at his small stall in Gikomba market, Nairobi.
His business was doing pretty well until the morning hours of 6th October 2017 when fire with unknown origins broke out in the market, reducing everything to ashes. Kelvin received this news early in the morning from his friends and this made him disheartened not knowing how to proceed with life.
Kelvin is a member of MUSONI MFI under a group known as Gikomba Ushindi and they collectively take loans from Musoni. Kelvin’s loan was insured under Musoni Group Enhanced Credit Life cover designed and administered by MicroEnsure.
At first, Kelvin was not sure if his loan had insurance because his loan officer had informed them that not all types of loans are covered. Just when Kelvin did not know how to pick himself up and proceed with life, as well as pay his loan, his loan officer sent him a text message informing him that his loan will be paid by MicroEnsure and therefore, he should report his property loss to the police and submit the police abstract to Musoni office immediately. Together with his loan officer, Kelvin was able to submit all the required documents that MicroEnsure requested and within a short period Kelvin’s loan of KES 117,427 was paid and he received KES 1000 cash benefit to condole with him in his loss.
Kelvin, who was confused and demoralized after losing his stock was overwhelmed with joy after receiving this payment. He said “I thought insurance does not pay and I am so surprised by what MicroEnsure has done. I thought my claim will take many months to be paid, but I am happy that the benefit came out very first. I am delighted for Musoni and MicroEnsure partnership and this has increased my loyalty to Musoni. I wish to see MicroEnsure provide us with more policies like motor and education cover that we can extend to ourselves and benefit more,” he concluded.

Kelvin’s Insurance was provided by Musoni in cooperation with MicroEnsure and SANLAM INSURANCE. Life, Hospitalization and Property insurance is included on any Musoni Group loan disbursed in order to obtain a similar loan, visit the nearest Musoni Kenya Branch or call 0709761101

Customer: Md. Abdul Motaleb
Location: Bangladesh
Amount received: 50,000 BDT [Approx. $600 USD]

Md. Abdul Motaleb, a 52 year old farmer was living his life as a farmer, providing for his family of 3 sons, 1 daughter and his wife. Over a period of two to three weeks, he started feeling chest pains and a reduction in strength while working in the field. He visited a local doctor who gave him pain killers and vitamins, however, over time his condition worsened. His face seemed to increase in size and, worried, his family took him to the Sadar hospital, where he was immediately admitted for observation. After further tests Abdul was diagnosed with late stage lung cancer and given a limited time to live.
With his children all still in education there was little financial support for treatment to prolong his life, however, by borrowing money from close friends and nearby relatives, treatment was started. Unfortunately within four to five months Abdul Motaleb died on the 11 December 2016.
As head of the family Abdul had always worked for the well-being of his family and when he had felt fully well prior to his diagnosis he would go to the local market for household shopping and agricultural supplies. Part of this regular trip would be to visit the GPCF close to his regular shops and he would get a small amount recharge. One day the GPCF agent told him about ‘Nirvoy’ the life insurance product for its valued customers and that all he had to do was register from his mobile.
Abdul permitted the GPCF agent to register his mobile, naming his second son, Md. Md. Abdul Motaleb Nirvoy Life Insurance Faridul Islam as his nominee. Soon after the event of his death, Faridul Islam, was notified by the GPCF agent that he was eligible to a Nirvoy claim and with the support of the GPCF personnel the family received a claim amount of BDT 50,000 on 25th April 2017.
Due to Abdul’s decision to register for Nirvoy life insurance with Grameenphone, his family members gained a financial support in a time of crisis that has allowed them to pay back some of the loaned money and for the children to continue with their studies.

About Nirvoy Life Insurance
Nirvoy the life insurance product for all Grameenphone prepaid customers aged between 18-60 years who are resident in Bangladesh.
It provides Life Cover for the Subscriber only, the more recharge per month the higher the claim amount. Usage will be calculated from the 1st day of customer’s registration calendar month to last date of that month and insurance coverage will be valid for the next calendar month based on the usage.
Nirvoy Insurance is underwritten by Pragati Life and powered by MicroEnsure Bangladesh. For more information customers can visit their nearest Grameenphone centre or selected Grameenphone service touch points and ‘Mobicash’ outlets.

Customer: Francis Oduro
Location: Ghana
Amount received: 8362.81 GHS [Approx. $2000]

Francis Oduro, a 54 year old Ghanaian worked as a Lands Operator at Damang, for 14 years, until his redundancy in February 2016. A loyal customer of Barclays Bank for the past 18 years, he channelled his salary through the Ultimate Account for all these years of his employment. After being retrenched he went to his branch at Tarkwa to carry out a transaction, and it was there that 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. Francis was told that he would be contacted once the payment was ready. On recalling the process he said that it 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.

Customer: Mr Wambua Kiilu
Location: Kenya
Amount received: 1000 KES ($10 USD) + Loan balance of 71,078 KES ($680 USD) paid to Musoni

Wambua Kiilu aged 33 years is married with three beautiful children. He is a hard working business man at Gikomba market owning a sewing machine as well as selling second hand clothes. He enjoys watching news and following updates from social media when he is free.
His business was doing well until a fire broke early in the morning of 6th October 2017. The rampant fire burnt many businesses to ashes and Wambua’s was not spared either. Wambua’s loan was insured under Musoni Group credit linked insurance cover administered by MicroEnsure in collaboration with Sanlam General Insurance. Whilst Wambua was distressed not knowing the fate of his business, having an insurance cover was a great cushion for him. He called his loan officer who assisted him in filing his claim to MicroEnsure and after a few days his loan amount of 71, 078 KES was paid on his behalf by MicroEnsure as well as 1000 KES cash benefit to condole with him in his loss.
Wambua is very grateful for the insurance that helped him pay his outstanding loan.“I feel very encouraged to be at Musoni and I was very excited to have my loan cleared. I will continue taking loans with Musoni since I surely trust their insurance cover that will help me in times of misfortune.”

Wambua’s Insurance was provided by Musoni in cooperation with MicroEnsure and Sanlam Insurance. Life, Hospitalization and Property insurance is included on any Musoni Group loan disbursed in order to obtain a similar loan, visit the nearest Musoni Kenya Branch or call 0709761101