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Vanguard Life Student Welfare Assurance Plan seeks to provide a comprehensive life insurance cover in a form a lump sum under a single policy in the eventuality of death (both accidental and natural) or total permanent disability of a student or his/her guardian (insured life).

At Vanguard Life, we will guide you through a process of benchmarking insurance benefits against that of your peers and international companies to ensure your students and their guardians have the best risk benefits.

We do believe that, this partnership will help improve the welfare of your students as well as the corporate perception of your institution by the general public.

The following summarizes the benefits which are offered to students and their guardians to cover under the Student Welfare Assurance Plan against Life events which will have a financial impact on the welfare of the student.

The categories of benefits include All Occurrences Benefits and Group Personal Accident. Each of the benefit categories fulfil a need for the student.

All Occurrences Benefits

All occurrences benefits, also known as “Any Cause”, are benefits paid due to Illness or Accident and are independent of the where the event occurred.

  • Death Benefit
    If a student dies as a result of accident or natural causes during the period of cover, we will pay the benefit as set out in the policy schedule, as a lump sum.

  • Guardian Death Benefit
    If a guardian of a student dies as a result of accident or natural causes during the period of cover, we will pay the benefit as set out in the policy schedule, as a lump sum.

    Total Permanent Disability

  • Total Permanent Disability- Accident Definition: The insured (student/guardian) suffers a dis-memberment, as set out in the policy, schedule and the dismemberment must be the result of an accident. If the insured is totally and permanently unable to work because of illness or injury or suffers a dismemberment, we will pay the benefit as set out in the policy schedule, as a lump sum.
Group Personal Accident

This policy provides cover should any of the student be disabled, killed or injured due to (caused by) accidental, violent, external and visible means.

Accident  is  defined  as  an  unfortunate  incident  the  insured  could  not  foresee  that  happens unexpectedly and unintentionally at an identifiable time and place and results in death or bodily injury.
Two categories of Group Personal Accident is provided, namely;

  • Occupational Group Personal Accident - only provides coverage for accidents occurring at work.
  • Twenty Four Hour Cover  (24hr)  - provides coverage regardless of where the accident occurs.

Accidental Death Benefit
If an insured dies because of an accident during the period of cover, we will pay the benefit as set out in the policy schedule, as a lump sum.

Accidental Total Permanent Disability Benefit
If a student is totally and permanently unable to work because of injury caused by accident, we will pay the benefit as set out in the policy schedule, as a lump sum.

Accidental Total Partial Disability Benefit
If a student has a bodily injury caused by accident, we will pay the benefit as set in the policy schedule, as a percentage of the sum assured. The percentage of sum assured is based on a continental scale linked to a bodily injury.

Accidental Temporary Disability Benefit
If a student is temporarily unable to work because of injury caused by accident, we will pay a monthly benefit based on loss of wages for a pre-defined period of no more than 24 months.

Accidental Medical Reimbursement
If a student has a bodily injury caused by accident, we will pay the associated Medical Expenses within 12 months of the date of the accident as set in the policy schedule.

Accidental Funeral Benefit
If an insured dies because of an accident during the period of cover, we will pay the benefit as set out in the policy schedule, as a lump sum.

Table of Comprehensive Student Risk Benefits

Scope of Cover

Benefits Offered

Sum Assured (Student) - GHC

Sum Assured (Guardian) - GHC

- ALL Occurrences Benefits

 

 

 

 

Death

5,000

5,000

Total and Permanent Disability

2,500

2,500

Total Partial Disability (Continental Scale)

2,500

2,500

- Workmen Compensation

 

 

 

 

Death

5,000

5,000

Total and Permanent Disability (includes Total partial Disability - Continental scale)

2,500

2,500

We value your concerns, comments and compliments. If you are not satisfied with anything concerning our services, or if you have any enquiries, complaints or you wish to make changes to your policy etc., 

Kindly contact our customer clinic on 0302 235437 - 5, 028 9533900 or www.vanguardlife.com  or contact any of our branches and sales offices nationwide.

Correspondence with Vanguard Life will only be accepted as having been received if the message is:
• Sent by registered mail,
• Handed to a customer service personnel of the company,
• E-mailed to info@vanguardlife.com ,
• Sent through Vanguard Life’s website www.vanguardlife.com ,
• Sent by facsimile to our Head Office or any of our branch and sales offices nationwide (refer to branch network) with proof of transmission.

Other modes of communication shall be valid subject to written confirmation by Vanguard Life.

 

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  • Head Office
    Address: 21 Independence Road, Ridge,
    Accra PMB CT 455,
    Cantonments,
    Accra-Ghana

  • Email: info@vanguardlife.com

  • Tel: +233 (0) 21 235434/5, 028 9533900