The content of this website is for general informational purposes only and is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Our health insurance plans and benefits are subject to change, and not all plans may be available in all areas. We make no guarantees regarding the completeness of the information on this website, just as we are not liable for any damages or losses arising from the use of this website or our services.

More so, our website may contain links to external sources, which are not under our control and for which we are not responsible. Our organization reserves the right to update or modify our website and this disclaimer at any time without notice. By using our website, you acknowledge that you have read, understood, and agree to be bound by this disclaimer.

Our healthcare providers are independent contractors and not employees of our HMO. We do not guarantee the availability of specific providers or services and our coverage decisions are based on medical necessity and may vary depending on individual circumstances, even as we comply with all applicable Nigerian laws, including the NHIA Operational Guidelines.