Our Products
Metropolitan Health Insurance Ghana Limited offers a wide array of bespoke products and services that are targeted at groups (associations and unions), corporate organizations and families..
Our Offerings
Metropolitan Health Insurance Ghana Limited offers a wide array of bespoke products and services that are targeted at groups (associations and unions), corporate organizations and families.
At Metropolitan Health Insurance:
- You are assured of a financially sound and secure product
Our products offer both financial stability and sustainability through prudent healthcare budgeting, ensuring continued access to healthcare cover at a reasonable rate.
- You have access to a comprehensive product range
Our offerings include a range of five benefit options, with flexibility within each option, to provide for you and your family’s anticipated and unexpected healthcare needs. All options are rich in benefits and high in value to ensure affordability without compromising quality.
Your service satisfaction is our priority
At Metropolitan Health, we are committed to a culture of caring and we strive to understand the healthcare needs of our members. The Metropolitan experience is real satisfaction and real value for money!
Client Service Hotlines
We have dedicated hotlines focused on providing support to members on additional service consultation, looking after the well-being of our members
At Metropolitan Health Insurance Limited, we pledge to add colour to your healthcare experience. Each option comes with a free wellness programme that provides a basic health screening experience.
Claims Payment
Metropolitan Health currently partners over 400 hospitals/clinics; Pharmacies; Dental and optical facilities as well as diagnostic and radiological centers across the country.
Over the years Metropolitan Health has come to be known for the insurer with the quickest turnaround time. Our claims payments are prompt and detailed structured with investigative processes to ensure fraud is eliminated.
We strive to ensure our partners in the value chain are well taken care of through our timeous claims processes.
Family Eternity Plus
PRODUCT COVER ARTWORK
Overview
An enhanced Funeral Finance Plan, designed to provide you immediate cash to finance the funeral expenses of your Family. We understand your needs and have personalized this Family Eternity Plus solution to enhance your Lifetime Financial Wellness.
Scope of Cover
- One Week Celebration Benefit
- Main Funeral Benefit
- No Claims Bonus (Cash Back)
- Paid-Up Benefit (Premium Waiver):
- Premium Waiver at Age 60 or 65 of Policy Owner
- Death Waiver of Premium Benefit
- Disability Waiver of Premium Benefit
- Disability Benefit
- Double Benefit for Accidental Death
Optional Policy Benefit
- Forty Days Celebration Benefit
1st Anniversary Celebration Benefit
Hospital Cash Benefit
- Savings Benefit
- Automatic Inflation Management (AIM) Benefit
Policy Features
- Whole life policy
- Option to cover all family members including parents & In-laws
- Parents benefit is same as the Main Life Assured
- Flexible premium
- Embedded Waiver of premium benefit
- Has minimum benefit of GHS 5,000 cover to Maximum of GHS 75,000
- Has one week, forty days and one-year anniversary benefits
Education Assurance plan
PRODUCT COVER ARTWORK
Overview
It is a unit-linked investment product that assists clients to accumulate savings towards the education of their child.
Scope of Cover
- The policy ensures you save towards your child’s education.
- The child becomes the assured life and the parent the policy owner.
- Death benefit on the life of the parent.
- Optional death and accidental disability benefit for the child.
Policy Features
- Minimum premium of GHS70.00 or more
- Save for Minimum of 10 years or Maximum of 25 years
- Can withdraw from Saving after two years
- No waiting periods
- Free death benefit cover
Goal Achiever Plan
PRODUCT COVER ARTWORK
Overview
It is a short-term unit linked Investment vehicle with a minimum value payable on death. It focuses on goal-achieving investments e.g. marriages, land acquisition, start or grow your business, own education etc.
Scope of Cover
- Savings
- Minimum death benefit of GHS4,000.00
Policy Features
- Minimum premium of GHS200.00 or more.
- Save up to 5 years.
- Can withdraw 50% from saving after two years.
- No waiting period for the investment component but there is six month waiting period for the death benefit.
- Free death benefit cover
OUR 5 BESPOKE COLORFUL HEALTHCARE PRODUCTS
At Metropolitan Health Insurance Limited, we pledge to add colour to your healthcare experience. Each option comes with a free wellness programme that provides a basic health screening experience.
HEALTH FACILITIES ACROSS THE COUNTRY.
Variety of all specialization – general, specialist, optics, dental and labs.
No drug list (Branded, Generic).
Cashless system (no cash payments at service points/pharmacy).
Hotline for client service – help/queries.
Managed Care – Cancer, HIV, Asthma, Chronic conditions.
Maternity Care – Antenatal to delivery.
Online Internet access to member’s utilization.
Consistent member engagement.
Health benefit clinic (Half year visits for one on one sessions with staff or as requested by HR).
Metropolitan Health monthly e-newsletter.
Wellness Program (Body mass index, Blood Pressure, blood sugar, Cholesterol screening, HIV or Hepatitis B (Optional) CA125 (women only), PSA (men above 40yrs & above)
Other Services
Metropolitan Health Insurance Ghana Limited also specializes in Third Party Scheme administration for larger corporates and groups >/=500 lives.
Claims management services
Membership management services
Quarterly Employer Reports
Online Utilization Check
Students Health Insurance
Accessible and appropriate healthcare for students is critical for their studies, whilst they are out of home pursuing their education interests. It is also critical that parents are at peace that in the event of ill health, their children will have immediate access to healthcare without the need of paying out of pocket. Metropolitan Health Insurance has introduced the Students Health Plan to cater for this need.
Additionally, Metropolitan Health Insurance Ghana partners with our sister company Momentum Health, South Africa to provide the Ingwe Option.
This is a healthcare solution that gives students studying in South Africa outstanding care at affordable rates. This plan offers R1 060 000 hospitalization cover at any private hospital. For out-of-hospital healthcare needs, such as doctors’ visits or prescribed medicine, members have access to the Ingwe Active Primary Care Network of providers
