Ultimate Hospital Cash Plan

What is the Hospital Cash Plan?

The Prudential Ultimate Hospital Cash Plan is a living benefit plan that provides financial support when you suffer some form of income loss due to the hospitalisation of your dependents or yourself.

Plan Type

You have the option to select an Individual Plan or Family Plan.

Covered Lives

Covered lives may be:
Main life, Spouse(s), Children and Parents.

You have the option to add your parent to either your Individual Plan or to the Family Plan.

What are the age limits?

Insured, spouse and spouse: 18 to 59 years at policy inception.
Children: under 18 years.
The Plan is renewable up to age 65.

How much does it cost?

 Premiums as low as GH¢16 per month

When does cover start?

Start date of insurance policy is the first day of the month following receipt of a full month premium.

Waiting period

There is a 90-day waiting period following the policy start date. No claim will be paid during this period.



Daily Hospital Income

Prudential Life will pay the Daily Hospital Income Benefit up to a maximum of 30 days every year when you are hospitalised. The claim is paid if a minimum of two (2) days is spent in the hospital

Benefit Level
Main Life
Other Lives

Surgery Recovery Income

Ten (10) times the daily hospital cash benefit is payable in the event that any of the insured lives undergo a major corrective surgery. This excludes minor and cosmetic surgery.

A major corrective surgery is an operation upon an organ within the cranium, chest, abdomen, or pelvic cavity intended for correction and not cosmetic purposes. Examples are: Hernia, Appendicitis, bowl surgery, hysterectomy, myomectomy, thyroid surgery etc.

Death Benefits

Ten (10) times the daily hospital cash benefit is payable on the death of any of the insured lives.

Accidental Death Benefits

The death benefit will be doubled (2x) in the event of an accidental death of any of the insured lives.

No Claim Cash Back

 A sum of 25% of total premiums paid by the main life (excluding policy fee) will be refunded every two (2) consecutive years if no claim is made.


Claim procedure

The processing of claim will commence only after we have received these documents: