We offer three plans with different benefits to fit your healthcare needs and budget. You can choose coverage worldwide or worldwide excluding the USA. When you join, you’ll fill out an application form, and we’ll review your health information. Once accepted, new health issues will be covered according to the policy terms. However, existing health issues you had before joining won’t be covered.

You can apply for insurance until you are 66 years old. Once accepted, you can renew your policy every year until you turn 80, as long as the plan is still available.

Yes, we don’t cover people in the armed services, professional sports, jobs involving nuclear, biological, or chemical risks, and the oil and gas industry.

No, all family members must apply for the same plan.

You can add a new born to the policy from their birth date if both parents have been insured for at least 365 days. You must do this within 30 days of the baby’s birth.

Our plans are for people living in Nigeria for at least 185 days a year. If you change your main country of residence, you must tell us within 30 days as it may affect your premium and coverage. If you are not Nigerian and move back to your home country, you can’t keep the policy. If you are Nigerian and move abroad, we will review your situation, but we may not be able to cover you due to international or local laws. We can’t cover American or Canadian citizens living in the USA or Canada.

Yes, you can change your plan or coverage area when you renew your policy. Upgrades may require additional health assessments.

We won’t change your policy terms because of your claims. Your renewal premium is based on your age and may change due to medical inflation and the overall claims made by all members

Yes, you are covered for emergency treatment outside your coverage area up to the limit in your benefits table. You won’t be covered for non-emergency treatment or pregnancy-related issues outside your coverage area.

Yes, we cover some pre-existing and congenital conditions after a waiting period of 270 days, if you declared them when applying and they are not excluded by the policy. You must disclose all relevant health information when joining.

Yes, you can choose any recognized doctor in any country within your coverage area, subject to reasonable and customary charges.

Yes, getting pre-authorization ensures your treatment is covered and within your plan’s benefit limits, protecting you from unexpected costs.

1. Complete the application form.
2. Our Health Underwriting team reviews it.
3. We send it to the reinsurers.
4. Reinsurers provide terms and conditions.
5. You make the payment.