Jusag Heritage Cashback Plan

JUSAG Services

Jusag Heritage Cashback Plan

Have you ever wondered what will happen to you, your wife and children and other dependents when the inevitable (death) occurs? Or you become totally and permanently disabled and can no longer work? What about critical illnesses like cancer, organ transplant, etc.?

JUSAG cares for you and your dependents. You can up to Ghs 100,000.00 death and total permanent disability cover, and Ghs 50,000.00 for critical illness with as littles as Ghs 10.00 and as much as Ghs 150.00 per month. 

Unlike other insurance products where you lose your money when the incident does not happen, JUSAG Heritage Cashback refunds all your premiums if the event does not happen. 

Read more about the JUSAG Heritage Cashback Policy below


The JUSAG Heritage Cashback Plan is a 10-year term life insurance policy which provides cover for the risk of death, permanent disability and critical illness. The policy also pays back all premiums collected if there is no claim at the end of the term of the policy or when a member exits the scheme due to retirement or change of job.

It gives the member and his family financial protection to ensure that immediate expenses as well as long-term obligations are met.

The JUSAG Heritage is underwritten by Mi_Life insurance and administered by JUSAG to its members.

The Plan covers members actively at the Judicial Service with age limit set from 18 to 60 years.



Cashback: The plan refunds all premiums at the point of exit if no claim is made.  Cashback benefit is paid under the following situation:

  1. When there is no claim during the ten (10) year term of the policy.
  2. When a member exits the scheme due to compulsory retirement at age 60.
  3. When a member retires voluntarily.
  4. When a member resigns from their employment or their appointment is terminated.

Total Permanent Disability: When a member suffers total permanent disability as a result of accident or illness and cannot continue to work, the plan pays out the prevailing sum assured to the member.

Critical Illness: When a member is diagnosed with a named critical illness, the plan pays out 50% of the prevailing sum assured at the time of diagnosis to the member.

Death: Upon death of a member, the plan pays out the prevailing sum assured to the named beneficiary (ies) of the deceased.

Optional Investment: Additional contribution with a minimum of GH20.00 which can be accessed after 13 months as partial withdrawal is allowed.



  1. It is a JUSAG Insurance product
  2. All claims are paid through JUSAG Regional Offices or National Secretariat.
  3. All premiums paid are refunded at the end of the term or when the member retires or resigns at the end of the term. 
  4. The insurance contract is reviewed and approved by JUSAG.
  5. Affordable premiums with high sums assured.
  6. Benefits protected against inflation.
  7. Provision to continue the plan under an individual scheme when a member exits Judicial Service.
  8. Prompt payment of claims.



  • Insurance cover is effective on the date the first premium is received.
  • A waiting period of 180 days shall apply to all members.  No waiting period applies in the case of accidental death or injury leading to Total Permanent Disability.
  • The policy will lapse after three (3) months non-payment of premiums within a year or ten (10) months accumulated arrears during the lifetime of the policy.  A waiting period of 180 days apply to a reinstated policy.
  • Inflation protector of 10% on premium and 7.5% on the sum assured applies.  This means that the premium and the sum assured are automatically adjusted at the policy anniversary year.
  • The insured is considered totally and permanently disabled only if the insured is unable to perform the duties of any gainful occupation for which they are reasonably trained.
  • The insurance coverage on a member will end automatically on the earliest of the following dates:
  • The date the member ceases to be an employee or a member of the association.  However, a member may opt to convert the group policy to an individual policy.
  • The date member attains age 60.
  • The date on which death, critical illness or total permanent is due and payable.
  • The policy is lapsed for nonpayment of premium.
  • Claims will not be paid for deaths as a result of:
  • Officer’s direct involvement in Insurrection or civil commotion



  1. Complete a JUSAG heritage proposal form. Forms available online and at JUSAG National and Regional Offices.
  2. The first and subsequent premiums are deducted at source from the employer.
  3. The policy is effected by Mi_Life.
  4. Upon deduction of the first premium, a text message will be sent to confirm policy start date



  1. Member must have an active policy.
  2. Report claims to the Court Rep/Regional Executive or to JUSAG National Office and claim will be submitted to Mi_Life for processing.
  3. Documents required:
  1. Completed claim form (available at www.jusag.org)
  2. A recognized identification card of policy holder or beneficiary (ies)
  1. For retirement or termination of appointment, letter of retirement from Judicial Service is required.
  2. For resignation, letter from Judicial Service confirming resignation is required. 
  3. In the case of death, claim will be supported with a letter from JUSAG General Secretary, a recognized identification card for trustees where applicable and any one or more of the following:
  • A death Certificate
  • Medical certificate of cause of death
  • Mortuary receipt with contact details
  • A letter from the Imam who performed the final prayer


  1. In the case of disability, a detailed medical report from a recognized hospital is required.


  1. In the case of critical illness, diagnosis by a certified medical practitioner, recommended or recognize by Ghana Health Service, stating the inception and details of the named critical illness is required.


  1. Any other documents as may be required.


  1. Mi_Life pays claim within five working days to you or named beneficiary.





Heart attack: Heart attack is the death of a portion of the heart muscle as a result of abrupt interruption of adequate blood supply to the area.  The diagnosis should be based upon all of the following criteria:


  1. A history of typical chest pain.
  2. New electrocardiographic changes.
  3. An elevation in cardiac enzyme levels.


Cancer: Cancer is the presence if uncontrolled growth and spread of malignant cells and invasion of tissue.  Incontrovertible evidence of the invasion of tissue or definite histology of a malignant growth must be produced.  The term “Cancer” also includes leukaemia, lymphomas and Hodgkin’s disease.


Excluded are non-invasive carcinomas in situ, any skin cancer expert malignant melanomas, localized non-invasive tumours showing only early malignant changes and tumors in presence of any Human Immunodeficiency virus.


Stroke:  Any cerebrovascular incident (or accident) producing neurological sequelae lasting more than 24 hours including:


  1. Infraction of brain tissue
  2. Haemorrhage from an intracranial vessel and
  3. Embolisation from an extracranial source.


Evidence of permanent neurological deficit must be produced.

Kidney failure:  End stage renal failure due to chronic irreversible failure of both kidneys to function.  This must be evidence by life assured undergoing regular renal dialysis or having had transplantation.

Major organ: The actual undergoing of a transplant of heart, heart and lung, liver or bone marrow as a recipient.

Coronary artery bypass surgery: Open-heart surgery to correct narrowing or blockage of two or more coronary arteries by the use of saphenous vein grafts or internal mammary grafting, but excluding all non-surgical procedures such as balloon angioplasty or laser techniques. Anglograpic evidence of the underling disease must be provided.

Paraplegia/Paralysis:  The complete and permanent loss of use of two or more limbs through paralysis.

Blindness: The total and irrecoverable loss of sight of both eyes due to traumatic injury or disease.  The diagnosis must be clinically confirmed by an appropriate consultant.

Heart Valve Replacement: The replacement of one or more value due to stenosis or incompetence, or combination of these conditions.

Surgery of the Aorta: The undergoing of surgery to correct any narrowing, dissection or aneurysm of the thoracic or abdominal aorta.

Major Burns: Third-degree burns covering at least 20% of the body surface.


Frequently Asked Questions

  1. Do I get all my money back if I am fired from work?

Answer: Yes – you will be entitled to all premiums contributed or you can opt to continue the policy through the individual scheme.

  1. What happens to the cashback benefit if I terminate the policy before 10 years whiles still an employee of my organization.

Answer: You are not entitled to the cashback

  1. Can I continue the policy when I leave my organization?

Answer: Yes – you can continue the policy through the individual scheme

  1. What benefit will be entitle to when I retire?

Answer: You will be entitled to all premiums contributed


  1. Will claim be paid if I had been diagnosed of any of the named critical illness prior to enrolling on the policy

Answer: No