Customer: Charles Lamptey
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:
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