Overview  
GCB Home Call is a funeral assurance plan which provides insured individuals and family members with instant cash to enable them to organize befitting farewell ceremonies for their departed loved ones.

Qualifying Criteria/ Targets  
GCB individual customers between the ages of 18 and 64.

Here's what you'll get with the HomeCall Plan

• The policy offers holders who signed on before age 55 free cover (no premium payment) for policy holders after age 65 till they attain age 80.
• All other assureds are covered until their 80th birthday of the principal assured (policy holder) for policy holders who sign on before age 55
• A cash bonus (cashback) of 25% of the annual premium will be payable to the policyholder if no claim is made over a 3-year period
• The policy offers free cover for policy holders after age 65 till they attain age 80

Things to know

• The policy covers applicants’ parents, parents’ in-law, an extended family member, spouse and children
• The waiting period to qualify for claim is 90 days (Policy holder, Spouse and children)
• The waiting period to qualify for claim for members of extended family is 365 days
• Premium is determined by the ages of policyholder and beneficiaries
• The cover on parents and extended family will be limited to a maximum of 50%, whiles that of the children will be 30% of the sum assured

Benefits for the customer

• The maximum funeral benefits amount payable in respect of members covered under the policy shall be in accordance with the schedule
• For a principal and spouse, the sum assured is 100%
• The policyholder is entitled to a 31-day cooling off period after signing the proposal form
• If annual premiums are paid in advance, a 5% discount would be given on the calculated premium
• A cash bonus (cashback) of 25% of the annual premium will be payable to the policyholder if no claim is made over a 3-year period
• The policy has an automatic waiver of premium option which enables the policy to be in force for the other family members even after the death of the principal assured
• The percentage increase in annual premium corresponds with annual sum assured
• The policy offers free cover for policy holders after age 65 till they attain age 80

Requirements

• Completed application form
• Submission of ECOWAS card

Eligibility criteria for claim payments

• Medical cause of death / Death Certificate in case of death of policy holder
• Evidence of relationship with principal assured
• Police report in the event of death resulting from accidents
• ECOWAS Identity Card (Ghana Card)