FAQ

HOSPITAL CASH PLAN

1. What is Hospital Cash Plan?

This is an insurance policy that pays out daily cash benefits if you are hospitalised. The payout from us is designed to help cushion the impact of unexpected medical expenses you incur.

2. Who can apply for cover?

Any individual from the age of 20 to 60

4. What are the benefits?

We will pay N10,000 per day of hospitalisation subject to the maximum number of days you select when you take out the policy

5. When does my cover begin?

Your policy will commence once we receive and accept your application and your first premium payment. There is a waiting period of 14 days from the date the policy commences before you are eligible to claim benefits under this policy.

6. How many days am i covered for?

This will depend on the policy you take. You can select from 7, 14, 21 or 28 days per annum of cover.

7. Do I need to call you first before I go to the hospital?

No, you can notify us while in the hospital or a short time after you’ve been discharged from the hospital.

8. Do I need to submit a medical report before I can buy the plan?

No, you don’t need to.

9. What is the amount of premium I must pay?

The premium you pay depends on the benefit type that you select. The following options are available:

Plan OptionsBenefit Premium (N)No of Days covered
3-monthsN10,000 per day2,1007*
6-monthsN10,000 per day4,20014*
9-monthsN10,000 per day6,30021*
12-monthsN10,000 per day8,40028*

10. Am I covered for Coronavirus (COVID-19) under this plan?

Yes. You are covered for COVID-19 at no additional cost. If you are admitted to any State-run Centre of Disease for the treatment of COVID-19, we have included an additional benefit that will pay an amount of N9,000 daily to cater for losses or incidental expenses during the time you are being treated in a State-run Centre for Disease Control up to a maximum period of 25 days.

This additional benefit covering COVID-19 is available until May 18th 2020.

11. Does the additional benefit apply only to new customers?

No, the additional benefit applies to new and existing customers. For new customers, there is a 14-day waiting period from policy commencement before this benefit applies.

LIFE INSURANCE PLAN

1. What is the Life Insurance Plan?

It is a plan that helps cover burial expenses in the event of death of the insured.

2. Why should I buy this plan?

It ensures that your loved ones are financially catered for. It helps your dependents and loved ones to pay bills and pay funeral expenses.

3. Who can apply for cover?

Any individual from age 18 to 60

5. What are the benefits?

The benefit ranges from N250, 000 to N2,000,000 depending on the level of cover you choose.

6. What is the policy tenure?

You are continually covered under the policy so long as you continue to pay the premium when it falls due or until you reach age 65.

7. Can I increase my sum assured?

Yes, the sum assured can be increased at any time with payment of an additional premium but is subject to a maximum of N2,000,000.

8. Does this policy cover accidental death?

Yes, it covers both natural and accidental death, including death caused by COVID-19

9. Do I need to declare any pre-existing Medical Condition before accessing this plan?

Yes. It is important that you declare anything about your health that may affect our decision to insure you.

10. When do the benefits commence?

There is a 30 days waiting period before benefits are payable for death by natural causes. There is no waiting period for death by accidental causes.

11. How is my premium calculated?

Premium is calculated based on the level of benefit (sum assured) you select, see table below:

Sum AssuredAnnual Premium
250,0002,550
500,0004,200
1,000,0007,570
2,000,00014,440

FREQUENTLY ASKED QUESTIONS (FAQs) ON CLAIMS

1. How do I make a claim?

For claims please contact us via any of the following means:

a. Visit our Website - www.Prudentialzenith.com and make use of the electronic claim form.

b. Call Prudential Zenith Life Insurance on 01-2784555 or 01-27924555 for assistance.

c. Send an email to our customercare@prudentialzenith.com for assistance

d. Visit our Head office Prudential Zenith Life Insurance Office to lodge your claim.

Please have all information available, such as Policy Number, address/phone numbers and the details of your claim.

2. How long does it take to get paid when I have a claim?

Once you have provided all the documentation required to settle a claim it will be paid within 48 hours

3. Must I wait for the death certificate before notifying you?”

No you do not need to wait for the death certificate before notifying us. However we will need to see satisfactory evidence of death in order to settle a death claim.

FREQUENTLY ASKED QUESTION ON SERVICES

FREQUENTLY ASKED QUESTION ON SERVICES

 

1.Are my details secure over the Internet?

Yes, we use world standard security technology to keep your personal information and credit/debit details as secure as possible.

2. I have been debited for the premium by my bank but I am yet to get any confirmation of cover from Prudential Zenith Insurance. What should I do?

Please contact your bank to obtain details of the payment made. You can also contact our customer service department via email on Customercare@prudentialzenith.com or call us on 01-2784555 or  01-27924555 for further enquiries.

3. How can I cancel my policy?

Please send an email tocustomercare@prudentialzenith.com stating your name, policy number and why you would like your policy cancelled. We do not provide refunds for the period we have provided insurance protection to you.

4. I have made an overpayment for the policy I paid for. How can I get a refund?

Please send an email to <customercare@prudentialzenith.com stating your name, policy number and evidence of the transfer and how much has been overpaid.

5. What happens if I get debited but the transactions times out before conclusion?

Please contact your bank to obtain details of the payment made. You can also contact our customer service department via email on Customercare@prudentialzenith.com or call us on 01-2784555 or  01-27924555 for further enquiries.

6. When does my policy commence and how do I receive my policy document?

After you have paid your premium we will send a confirmation of receipt of this payment to you. We will then process your application and within 48 hours we will send you an email confirmation that your policy has been issued and you we will provide you with details on how to download your policy document from our website.

7. Do I need a lawyer to explain the policy terms to me or is it something I can understand on my own?

The policy terms are clear and easy to understand. You may however choose to have them reviewed by a professional should you desire. You can also contact our customer service team if you require any further clarity on the policy terms.

8. If I change my mind about the purchase, how do I get a refund?

Please send an email to customercare@prudentialzenith.com stating your name, policy number and why you would like your policy cancelled. Or you can call our Customer service line 01-2784555, 01-27924555.  We do not provide refunds for the period we have provided insurance protection to you.