Prudential Life Assurance Zambia

Benefits of getting travel insurance from Prudential Life Zambia

• Medical repatriation and other medical expenses cover in the finest hospitals worth up to USD $250,000
• Third Person benefits in case of death up to USD25, 000
• Emergency dental treatment cover up to USD150
• Personal accident cover up to USD25, 000
• Claims worth over USD100 per person
• Personal possessions (luggage) loss payouts up to USD1, 000
• Passport loss payout of up to USD150
• Baggage delay payout (in excess of 12 hours) up to USD150

Prudential Life Zambia is committed to providing its customers with a world-class service and claims support. Insurance products offered include:

Pru flexi save policy

An investment policy that provides customers with the opportunity to save and grow their money while enjoying life protection. It is a hybrid term assurance policy providing life cover and savings on flexible terms.

Pru smart child education plan

This is a life policy designed for individuals who plan to make provisions for their children’s future school fees. The policy gives a handsome maturity and security in case of premature death of the policyholder.

Pru smart lady plan

An endowment plan that addresses the various protection needs of women, affording them peace of mind and providing some form of financial benefit.

Funeral expenses policy

This is a simple way to plan and provide for unforeseen funeral expenses. Customers who purchase this life plan are able to mourn and bury their loved ones with dignity. An individual may buy the policy for themselves or a family member.

Funeral expenses include money spent during funeral gatherings, burial preparation and procession of the funeral service. (Food, firewood, tents, chairs, transport, coffin/casket, mortuary fees, body preparation, cremation, securing of burial sites, export of remains, and many other services and amenities depending on a client’s exact needs.)

Who is to be covered?

A client will be required to provide a list of family members who are to be covered. All he/she needs do is to state the names and dates of birth of all those to be covered.

How much is the cover?

For each member included on the policy, a client is required to state the amount of cover (value of money needed for funeral expenses) against each of the names in case they died. Prudential can cover each person up to ZMW25,000

Pru whole life policy

A policy that provides protection throughout the life of the insured person. It creates peace of mind in a family by eliminating worries arising from the loss of a breadwinner, who may also opt to use the policy as a post-retirement benefit.

Prudential's Medical Scheme Benefi­ts

Each cover level has Out-patient benefits and In-patient benefits, covering medical expenses of members incurred within Zambia as well as those incurred when evacuated to pre-determined countries depending on the policy plan.

Out-patient services are the day-to-day hospital visits which includes consultation, lab tests and medication as well optical and dental services.

In-patient services are rendered when a member is admitted into a medical facility, including accommodation, doctors' fees and medication.

Medland Individual Hospital Plan

The Prudential Medland Plan was established in 2021 in partnership with Medland Hospital on Mukonteka Rd, Lusaka. This is a medical scheme that provides essential affordable healthcare limited exclusively to Medland Hospital. This hospital is Zambia’s first private hospital that offers international standard specialised and comprehensive medical services in Lusaka, Zambia. Contact Medland Hospital directly for membership enquiries:

Email: info@medlandhospital.com

Website: www.medlandhospital.com

Group life cover offered by Prudential Life Zambia

Employer sponsored life plans

These plans are arranged and paid for by businesses on behalf of their employers as part of an employee benefit package. This type of cover can also be arranged by not-for-profit organisations on behalf of their members.

Group life assurance scheme

Usually employer-sponsored, this policy provides a lump sum death-in-service benefit to the dependants of a deceased employee. The level of cover is often expressed as a multiple of the employee’s last notified annual salary. The group life assurance scheme may be issued with riders such as disability benefits, critical illness benefits and funeral benefits. The level of cover of benefits can also be stated as a flat sum.

Group last expense cover

This is similar to the group life assurance scheme, except it is designed to support costs incurred after demise such as funeral expenses and burial preparations. It can be extended to cover family members as well. Benefits can also be stated as a flat sum. Death cover is either due to an accident or natural causes.

Credit life assurance policy

An insurance policy that is designed to ensure that providers of loans or other debt are covered in the event of the borrower’s death, temporal or permanent disability, and/or loss of employment due to retrenchment.