What would happen to your family if tomorrow you broke a leg, lost a hand, or could not work for three months? For most Ghanaian SMEs, market traders, taxi drivers, carpenters, hairdressers, and daily workers—there is no safety net. That is why Oxbridge Insurance Brokers Ltd offers the Personal Accident Policy: simple, low‑cost cover that pays you cash if you suffer an accidental injury, disability, or death. Premiums start from just GHS 50 per year.
What Is a Personal Accident Policy?
A Personal Accident Policy is not health insurance. It does not pay hospital bills. Instead, it pays you a lump sum cash benefit if you have an accident that results in:
-
Death (benefit paid to your family)
-
Permanent total disability (e.g., loss of both legs, blindness)
-
Permanent partial disability (e.g., loss of one finger, loss of sight in one eye)
-
Temporary total disability (you cannot work for weeks or months)
At Oxbridge Insurance Brokers Ltd, we designed this policy for Ghanaian workers who cannot afford expensive life or health plans but need something to fall back on when the unexpected happens.
Why Every Ghanaian SME Owner & Worker Needs Personal Accident Cover
| Your Job / Role | Accident Risk | Without Cover | With Personal Accident Policy |
|---|---|---|---|
| Market trader (carrying heavy loads) | Fall, crush injury | Lose income + pay medical bills | Receive GHS 2,000–10,000 cash |
| Taxi / trotro driver | Road accident | Family left with nothing | Family gets lump sum |
| Hairdresser / tailor | Cut burns from equipment | Unable to work for months | Weekly cash benefit paid |
| Carpenter / mason | Fall from height, tool injury | Permanent disability = poverty | Permanent disability payout |
| Domestic worker / cleaner | Slip, fall, burn | No compensation from employer | You are covered 24/7 |
For as little as GHS 50 per year (less than GHS 1 per week), you can protect your income and your family.
Quoted Examples for Low Level & SME Clients (Ghana Cedis)
Below are real, affordable Personal Accident plans available through Oxbridge Insurance Brokers Ltd. Premiums are annual.
| Plan Name | Annual Premium (GHS) | Accidental Death (GHS) | Permanent Total Disability (GHS) | Temporary Disability (weekly benefit, up to 26 weeks) |
|---|---|---|---|---|
| Micro Saver | 50 | 2,000 | 2,000 | 50 per week |
| Standard Trader | 100 | 5,000 | 5,000 | 100 per week |
| SME Owner | 200 | 10,000 | 10,000 | 200 per week |
| Family Protector (covers you + spouse + up to 4 children under 21) | 300 | 5,000 each adult / 1,000 per child | Same | 100 per week (adults) |
| Weekly Earner Plus | 150 | 7,500 | 7,500 | 150 per week |
Example: A daily worker pays GHS 100 for the Standard Trader plan. He breaks his arm and cannot work for 6 weeks. He receives GHS 100 × 6 = GHS 600 cash, plus medical expense reimbursement (where included). His family also gets GHS 5,000 if the worst happens.
What Is Covered (Accidental Bodily Injury)
The policy pays benefits for injuries caused solely and directly by violent, accidental, external, and visible means. Common examples:
-
Road traffic accident (as driver, passenger, or pedestrian)
-
Fall from height (ladder, stairs, roof)
-
Cut from sharp tools (knife, blade, machine)
-
Burn from fire, hot oil, or steam
-
Crush injury (falling object, machinery)
-
Bite from domestic animal (if leads to disability, not just treatment)
-
Drowning
Benefit Breakdown (How Much You Get Paid)
| Type of Loss | Percentage of Sum Insured Paid |
|---|---|
| Accidental death | 100% |
| Loss of both hands or both feet | 100% |
| Loss of sight in both eyes | 100% |
| Loss of one hand and one foot | 100% |
| Loss of one hand or one foot | 50% |
| Loss of sight in one eye | 50% |
| Loss of thumb | 20% |
| Loss of index finger | 10% |
| Loss of any other finger | 5% |
| Permanent total disablement from any occupation | 100% |
Example: A carpenter insures for GHS 10,000 (premium GHS 200). He loses his thumb in an accident. He receives 20% of GHS 10,000 = GHS 2,000 cash, tax‑free.
Temporary Total Disability (Weekly Benefit) – Very Important for Low Earners
If you cannot work for more than 7 days due to an accident, we pay a fixed weekly amount (e.g., GHS 50, 100, 150, or 200 depending on your plan) for up to 26 weeks (6 months). This is not a loan – it is free cash to buy food, pay rent, or cover transport while you heal.
| Number of Weeks Off Work | Payout Example (GHS 100/week plan) |
|---|---|
| 2 weeks | GHS 200 |
| 6 weeks | GHS 600 |
| 12 weeks | GHS 1,200 |
| 26 weeks (max) | GHS 2,600 |
You can use the money for anything—no receipts or hospital bills required.
What Is NOT Covered (Exclusions – Read Carefully)
To keep premiums very low, we exclude certain events. At Oxbridge Insurance Brokers Ltd, we explain these clearly.
| Situation | Covered? |
|---|---|
| Sickness or disease (e.g., malaria, typhoid, stroke, heart attack) | ❌ No – see health insurance policy |
| Injury from suicide or self‑harm | ❌ No |
| Injury from alcohol or drug abuse | ❌ No |
| Injury from war, riot, or terrorism | ❌ No (optional add‑on available) |
| Injury while committing a crime | ❌ No |
| Pre‑existing disability | ❌ No |
| Childbirth or pregnancy complications | ❌ No |
| Normal wear and tear (e.g., back pain from years of lifting) | ❌ No – must be sudden accident |
How to Keep Your Premium Very Low (Best for Lower Level Clients)
| Tip | Potential Saving |
|---|---|
| Choose a smaller sum insured (e.g., GHS 2,000 instead of GHS 10,000) | 60–70% cheaper |
| Waive temporary disability benefit (weekly pay) | Save 30–40% |
| Accept a longer excess period (e.g., no payment for first 14 days instead of 7 days) | Save 10–20% |
| Select partial disability cover only (no death benefit) | Save 20% |
Lowest possible premium: GHS 35 per year for GHS 1,000 death/disability cover, no weekly benefit, 14‑day excess. Ask us for this “Micro Helper” plan.
How to Claim After an Accident (Simple Steps for Ghana Clients)
-
Seek medical treatment immediately – Keep all hospital cards, receipts, and doctor’s notes.
-
Report the accident to Oxbridge Insurance Brokers Ltd within 14 days – Call or WhatsApp us.
-
Complete a simple claim form – We will help you if you cannot read or write well.
-
Provide medical report – Doctor states the injury and expected recovery time.
-
For death claims – Provide police report, death certificate, and letter from family head or chief (if no formal will).
-
Claim paid within 10–15 working days directly to your mobile money or bank account.
We accept sworn affidavits in place of formal documents for low‑income clients without birth certificates or marriage certificates. We operate in Ghana – we understand local realities.
Real‑Life Scenario – Ghana SME Client
Kwame is a 35‑year‑old mason in Kumasi. He bought the Standard Trader Personal Accident Plan for GHS 100 per year (GHS 5,000 sum insured, GHS 100 weekly benefit).
One day, a concrete block fell on his left foot while working on a construction site. He fractured three toes and could not walk for 8 weeks. He had no savings.
Claim outcome:
Temporary total disability benefit: 8 weeks × GHS 100 = GHS 800 cash
Medical expense reimbursement (optional extra he chose): GHS 350
Total paid to Kwame: GHS 1,150
His cost: only GHS 100 premium
“That GHS 100 paid for food and my children’s school fees for two months while I healed. Thank you Oxbridge.” – Kwame, Kumasi.
Personal Accident Policy vs. Other Policies (For Low Budget Clients)
| Feature | Personal Accident (GHS 50–300/year) | Life Insurance (GHS 300–1,000+/year) | Health Insurance (NHIS + top‑up) |
|---|---|---|---|
| Pays cash for accidental injury | ✅ Yes | ❌ No (only death) | ❌ No (pays hospital only) |
| Pays weekly if you cannot work | ✅ Yes (optional) | ❌ No | ❌ No |
| Pays for sickness (malaria, typhoid) | ❌ No | ❌ No | ✅ Yes (limited) |
| Premium cost | Very low | Medium to high | Low (NHIS) + extra for private |
| Best for … | Daily earners, drivers, tradespeople | Long‑term family protection | Hospital treatment |
Our advice: If you have a very tight budget, buy Personal Accident first. It protects your ability to earn. Then add NHIS for hospital cover. Then later add Life Insurance.
Why Oxbridge Insurance Brokers Ltd for Your Personal Accident Policy in Ghana?
-
We operate in Ghana – We know the roads, the markets, the workshops, and the risks.
-
Lowest entry – GHS 50 per year – Affordable for daily workers, apprentices, and small traders.
-
No medical exam required – Only a simple health declaration.
-
Cash paid to mobile money – No bank account needed.
-
Plain language – No lawyer required to understand the policy.
-
24/7 claims support – Reach us by phone, WhatsApp, or in person at our Ghana office.
Final Word – Accident Can Happen Today. Cover Can Start Today.
You do not need to be rich to own a Personal Accident Policy. For less than the price of two phone recharge cards per week, you can ensure that an accident does not turn into a financial disaster for you or your family.
Oxbridge Insurance Brokers Ltd makes it simple, affordable, and Ghanaian‑friendly.
Call us now for a free quote in Ghana Cedis. Get covered in under 10 minutes.
Oxbridge Insurance Brokers Ltd – Protecting Ghanaian workers, one policy at a time.
