The product is an ‘on-demand’ travel accident policy that provides pay as you go cover for individual road journeys from city to city in Ghana by public transport.
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Old Mutual launches innovative 'First Responder' local travel accident policy
Old Mutual has announced an innovative new WhatsApp based insurance policy that provides cover for Ghanaians while travelling on Ghana’s roads.
Old Mutual launches innovative’ First Responder’ local travel accident policy
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Uniquely, the entire application and claims processes can be managed simply and conveniently through the WhatsApp messenger app.
Speaking at the launch of the new product today, CEO of Mutual Ghana, Tavona Biza, assured that the product addresses a vital insurance need. The aim of this essential and innovative product, he adds, is to provide an immediate benefit when it’s needed most.
Users are given emergency cash as soon as Old Mutual is notified of an accident to help pay for urgently required medical attention. This is why it is called ‘first responder insurance.’
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Statistics from the National Road Safety Commission show that four people die daily on Ghanaian roads due to road accidents.
Also, estimates show that Ghana loses over 230 million dollars yearly due to road accidents with more than 1600 deaths. For a company that is passionate about the communities we operate in this is grim news.
Old Mutual believes that what is needed is an insurance policy that is simple to apply for and claim on – no long forms or waiting times, whether someone is about to travel or needs to claim they should be able to manage their cover without any hustle or delay. This is why Old Mutual is using the WhatsApp platform as it is the most used messenger app in Africa.
To purchase your Local Travel Insurance through WhatsApp, simply save the number 0242426455, send “hi” to the number on WhatsApp, answer a few questions and you are covered. In effect, we are using the technology of WhatsApp to provide ‘on-demand’ pay as you go insurance that is anytime and anywhere.
Old Mutual is confident that the travelling Ghanaian public will embrace WhatsApp as a convenient and trusted method for purchasing insurance. We believe the use of these technologies is a vital part of the future of insurance and we are excited that Old Mutual Ghana is showing the way.
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The JustCover provides customers with benefits that extend beyond the insurance cover. The platform seeks to fill a social need, which is: the all too common tragedy of our inability to identify victims in the event of an accident.
Once you board a bus and buy the cover and an accident occurs, we possess the capability to generate a manifest of JustCover passengers. Once notified of an accident, our community support agents will immediately begin contacting emergency services and loved ones to alert them and check on potential victims to make sure they are fine.
This innovative service is unique to Old Mutual and we are proud to be able to offer it as a part of every JustCover insurance policy.
The Insurance Act prescribes that once a car is insured, its occupants by extension are also guaranteed unlimited medical expenses in the event of an accident.
However, after an accident, passengers who are injured need to foot their own bills or rely on relatives to come to their rescue. It is a daunting task getting help from the Insurance Company in the immediate aftermath of an accident.
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Passengers sometimes lose their lives or limbs when critical first aid is not delivered because of the unavailability of money to pay for their treatment.
JustCover passengers will also can rate the driver at the end of each journey.
Road Safety is a shared responsibility and at Old Mutual, we believe strongly that passengers are an integral piece within the Road Safety stakeholder group.
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Email: eyewitness@pulse.com.gh
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