Affordable home care plan
Death is inevitable. It may not be a thought that crosses your mind often, but what do you hope for when you have to consider your funeral. Surely you are hoping that your funeral will not cause your family any financial hardship and that they will also have the dignified funerals they deserve.
Home Care Plan from Vanguard Life Assurance Company provides immediate payment of selected benefits to the policyholder or designated beneficiary in the event of death of any life assured to cover the funeral expenses of lives assured.
You can plan ahead for a dignified funeral and provide your family with peace of mind. Start with what you hope for by planning and saving today. With this plan, you'll be paid out in a lump sum within 72 hours for valid claims on receipt of all required claims documents. Most importantly, it's affordable funeral insurance.
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The Unity Home Care Plan provides life insurance cover on the life of the secondary lives or the primary life (policy owner) and pays the selected benefit in the eventuality of death.
TERMS & CONDITIONS
- Home CarE PLAN
Home Care Plan is a group term assurance policy providing funeral finance assurance to customers of Unity Link as well as their relatives.
Every healthy person of at least eighteen (18) years of age, sender of remittance through the platform of Unity Link and less than Seventy Five (75) years of age at the moment of expiry of the insurance, is insurable.
The declaration of the insured member is the basis on which the corresponding individual insurance certificate is generated. This certificate becomes incontestable starting from its effective date, except in case of an intentional false declaration, an omission or an inaccuracy in the declaration of the risk evaluation elements. This certificate is delivered to Unity Link, who should in turn deliver it to the insured member.
- Effective Date of Membership
The effective date of the insurance is the inception date of the contract between Unity Link and Vanguard Life or the date the number of remittances required granted by Unity Link, whichever is latest.
An insurance certificate is issued by Vanguard Life. The certificate and its corresponding contract shall in all respects be constructed according to the laws of Ghana, and no liability shall attach to the Company under any judgment or decree, save a court in Ghana.
The premium payable is a single premium which is paid in advance at inception. The premium may be amended by Vanguard Life, if necessary. This revision shall be based on actuarial experience.
- Definition of Life Cover
The maximum life benefit provided under the Policy is the benefit level subject to a maximum of GH¢10,000. This cover is subject to a waiting period of three (3) months from the commencement date of the policy.
- admissible age limit table
|Principal Life Assured
| Subscribers and family members between 76year and 85 years shall be charged 1.5 times premium rate. Subscribers and family members between 76year and 85 years shall be charged 1.5 times premium rate.
- Benefit levels and Amounts
||Once (1 Time)
- Definition Of Disability Cover (Total Permanent Disability)
In case of total and permanent disability due to accident or illness, the payable benefit equals the selected benefit level at the date of Permanent and Total Disability. Deferred period of three (3) months from the date of incapacity.Consequently, the benefit under the policy shall not be payable if disability occurs within the three (3) months waiting period.
- Claims Procedure
a. The beneficiary would be paid the guaranteed amount (benefit level selected) in case of death of the insured member and or the insured family member within seventy – two  hours.
b. Proof of enrollment as Home Care Plan member (i.e. the certificate.)
c. Original or authenticated Medical Certificate of Cause of Death or letter from local chief or religious leader (e.g. pastor or imam of a recognized church or mosque).
d. Police report in the event of accidental death.
e. National photo identity card (ID) of the claimant.
Do You Need To Claim?
Follow the easy steps below to get your claim fast and efficiently.
1. Notify Us
Please notify us of your intent to claim within 24-hours of the event. If this isn’t possible, please call us as soon as possible on the below numbers.
Contact our Customer Service Department at Unity Link Financial Services or Any Vanguard Life Branch Office:
Walk in centre hours: 08:00 to 16:30
Call centre hours: 8:00 to 17:00 - Monday to Thursday
Fridays - : 8:00 to 16:30
Telephone numbers: +233 302 235 437 - 5, +233-289 533 900
2. Claims Procedure
- The beneficiary would be paid the guaranteed amount (benefit level selected) in case of death of the insured member and or the insured family member within seventy – two  hours.
- Proof of enrollment as Home Care Plan member (i.e. the certificate.)
- Original or authenticated Medical Certificate of Cause of Death or letter from local chief or religious leader (e.g. pastor or imam of a recognized church or mosque).
- Police report in the event of accidental death.
- National photo identity card (ID) of the claimant.
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.
Other modes of communication shall be valid subject to written confirmation by Vanguard Life.
UNITY FINANCIAL SERVICE CONTACTS
If you would like to find out more about our services lines are open 9:00am - 6:00pm Monday to Saturday, feel free to contact us:
TEL: 020 8772 2160, Email Us: email@example.com
|Agent Marketing Support
If you are an agent and require marketing support,or want to become an agent of Unity Link then please contact us: 020 8772 2160 / 079 6082 7714
Unity Link Financial Services - Ireland
2A Rosse Court,
Unity Monetary Services B.V.
Bijlmerdreef 1129 A / 1131A
Call: +31 206957122
Universal Money Transfer GmbH
Wandsbeker Chaussee 29
Call: 040 / 303 98 65-0
- UnityLink Balham (Head Office)
158-160 Balham High Road
- UnityLink Seven Sisters
691 Seven Sisters Road
- UnityLink Harlesden
10 High Street
- UnityLink Upton Park
465 Green Street