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Lady Care Plan

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The Ladycare plan is an all-female-related term assurance product.

The product will offer cover for Death, Total Permanent Disability (TPR), Critical Illness (CI), Hospitalization, Maternity Complications, and other Female Related Illness.

The plan will attract a lump sum payment of the sum assured if you suffer any of the insured invents.

The benefit payment are based on the following structure:

  • Death and Total Permanent Disability ( TPD): Under the plan, these events when they occur will attract a lump sum payment of the sum assured.

  • Critical Illness Benefit (CI): Benefit payment on this event will be based on the approved percentages of the sum assured for each illness covered.

  • Hospitalization Benefits: This will attract a fixed amount payable per day to the life assured after a minimum period of three (3) days stay in hospital. This implies that benefits will not be payable if the life assured is hospitalized for a period of less than 3 days. However, once the minimum of 3 days has been exceeded benefit payments will commerce from day one. Hospitalization benefits will be limited to a maximum period of 30 days per calendar year.

  • Maternity Complications: These will payout a lump sum benefit once the insured event has occurred on a graded basis.
  • Female –Related Illness: A lump sum equal to the sum assured will become payable upon the occurrence of the named event.
  • Cash Back: Ten percent of all premiums paid become automatically payable every 5 years if the policyholder does not make any claim within those 5 years of the policy. Your policy must be active during this period and all premiums paid.

The plan covers only females between the ages of 18 to 60. Cover ceases at age 65.

No, you can not increase your premium and benefit once you choose your plan.

However, you have an option to increase your premium and your benefit automatically on every anniversary year. This will be on a compound basis. If the option is not exercised at the inception of the policy it cannot be exercised later.

Enterprise Life will go on cover once the first premium has been received.

The duration of the plan depends on the term you choose.

However, if you are at age 60 the maximum term you can choose is 5 years.

  • The minimum term is 5 years.
  • The maximum term is 15 years.

All claims should be reported at any ELAC or Standard Chartered Branch offices.

The documents required are spelled out in the policy conditions folder. See Section F.

ELAC will not pay a claim if:

  • You do not truthfully provide all the information we ask for on your application form.
  • The plan is in the waiting period. See section C in the policy term and conditions folder.
  • The plan has ceased due to non-payment of premiums or surrender
  • If death is as a result of an exclusion. See policy terms conditions folder Section D.K.

Your nominated trustee will make a claim on your life.

You must do the following:

  • Give us all the information we ask for in the application process.

Pay the required premium every month through your bank.

Other products to consider

We give you access to diverse and personalised plans that help you protect your family and safeguard all that matters most to you.

Investor Relations

Investor Relations Desk
Financial Reports

Locate Us

Advantage Place,
Mayor Road,
Ridge West,
Accra, Ghana

8:00 AM to 4:30 PM, Monday to Friday

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