FAQs
All you need to know
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.
Any individual from the age of 20 to 60
No,it only covers you. Your family members can also buy a Hospital Cash Plan from us by dialing the USSD code *5966#; by contacting us on our customer service email address: customercare@prudentialzenith.com or by calling us on 012784555
We will pay N10,000 per day of hospitalisation subject to the maximum number of days you select when you take out the policy.
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.
This will depend on the policy you take. You can select from 7, 14, 21 or 28 days per annum of cover.
No, you can notify us while in the hospital or a short time after you’ve been discharged from the hospital.
No, you don’t need to
The premium you pay depends on the benefit type that you select. The following options are available:
| Plan Options | Benefit | Premium (N) | No of Days covered |
|---|---|---|---|
| 3-months | N10,000 per day | 2,100 | 7* |
| 6-months | N10,000 per day | 4,200 | 14* |
| 9-months | N10,000 per day | 6,300 | 21* |
| 12-months | N10,000 per day | 8,400 | 28* |
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.
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.
When you dial *5966# you can follow the menu which will direct you on how to pay your premiums directly to us. Alternatively our customer service department can assist you with setting up a direct debit payment to us from your bank account. Contact our customer service department via email on customercare@prudentialzenith.com or call us on 012784555.
Life Insurance Plan
It is a plan that helps cover burial expenses in the event of death of the insured.
It ensures that your loved ones are financially catered for. It helps your dependents and loved ones to pay bills and pay funeral expenses.
Any individual from age 18 to 60
No, it covers only you. Your family members and spouses can also buy a Life Insurance Plan from us by dialing the USSD code *5966# or by contacting us on our customer service email address: Customercare@prudentialzenith.com or call us on 012784555
The benefit ranges from N250, 000 to N2,000,000 depending on the level of cover you choose.
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.
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.
Yes, it covers both natural and accidental death, including death caused by COVID-19.
Yes. It is important that you declare anything about your health that may affect our decision to insure you.
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.
Premium is calculated based on the level of benefit (sum assured) you select, see table below:
| Sum Assured | Annual Premium |
|---|---|
| 250,000 | 2,550 |
| 500,000 | 4,200 |
| 1,000,000 | 7,570 |
| 2,000,000 | 14,440 |
When you dial *5966# you can follow the menu which will direct you on how to pay your premiums directly to us. Alternatively our customer service department can assist you with setting up a direct debit payment to us from your bank account. Contact our customer service department via email on customercare@prudentialzenith.com or call us on 012784555.
Claims
For claims please contact us via any of the following means:
- Visit our Website – www.Prudentialzenith.com and make use of the electronic claim form.
- Call Prudential Zenith Life Insurance on 01-2784555 or 01-27924555 for assistance.
- Send an email to our customercare@prudentialzenith.com for assistance
- Visit our Head office Prudential Zenith Life Insurance Office to lodge your claim.
Once you have provided all the documentation required to settle a claim it will be paid within 48 hours.
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.
Services
Yes, we use world standard security technology to keep your personal information and credit/debit details as secure as possible.
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 012784555. for further enquiries.
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.
Please send an email to customercare@prudentialzenith.com stating your name, policy number and evidence of the transfer and how much has been overpaid.
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 012784555 for further enquiries.
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.
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.
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.