Health Insurance Plans

Titanium Ultra

Essential coverage for active lives

$219

/ year

Individual Plan

$716

/ year

Family Plan (4 children)

Titanium Deluxe

Premium care with extra benefits

$439

/ year

Individual Plan

$1,509

/ year

Family Plan (4 children)

Citizen Fresh

Tailored for Senior Citizens (60+)

$439

/ year

Individual Plan

$1,509

/ year

Family Plan (4 children)

Citizen Delight

Luxury care for Senior Citizens (60+)

$606

/ year

Individual Plan

$1,922

/ year

Family Plan (4 children)

Health Insurance Services

Provide quality healthcare and peace of mind for parents and loved ones in Nigeria

Give your loved ones the gift of quality healthcare and peace of mind with Helpmewaka Healthcare. Our flexible and affordable health coverage options are designed to help families in the diaspora access reliable health insurance for parents in Nigeria and loved ones back home without stress or complicated processes.

Healthcare emergencies can happen unexpectedly, and medical expenses can quickly become overwhelming. With Helpmewaka, you can protect your family with comprehensive healthcare plans that provide access to medical care, routine checkups, consultations, emergency treatment, and hospital services across Nigeria. Whether you are looking to buy health insurance for your family in Nigeria or secure coverage specifically for elderly parents, we offer different packages and coverage tiers tailored to suit your budget and your family’s healthcare needs.

For many Nigerians living abroad, ensuring parents receive proper medical attention is a major concern. Our platform makes it easier to access trusted health insurance Nigeria diaspora solutions from anywhere in the world. Instead of worrying about emergency hospital bills or delayed medical care, you can arrange healthcare coverage for your loved ones ahead of time and ensure they have access to quality treatment whenever they need it.

Helpmewaka helps customers conveniently buy HMO for parents in Nigeria from abroad through a secure and easy online process. Whether you live in the United Kingdom, the United States, Canada, Europe, Asia, or Australia, you can choose a healthcare package that works for your family and complete payment online from wherever you are.

Our healthcare plans are especially helpful for Nigerians searching for reliable health insurance for Nigerian parents from the UK, health insurance for Nigerian parents from the USA, or health insurance for Nigerian parents from Canada. We also support diaspora families living across Europe, Asia, and Australia who want dependable healthcare coverage for aging parents, relatives, or family members in Nigeria.

Helpmewaka offers both individual and family health insurance packages, making it easy to select coverage based on your loved ones’ medical needs and lifestyle. Whether you need a basic plan for routine healthcare access or more extensive coverage for elderly parents and families, our healthcare packages are structured to provide flexibility, affordability, and peace of mind.

With rising healthcare costs, having insurance coverage can significantly reduce out-of-pocket medical expenses while ensuring faster access to hospitals, consultations, medications, and professional care. Our goal is to help diaspora families provide consistent healthcare support to loved ones in Nigeria without the financial uncertainty that often comes with emergency medical situations.

At Helpmewaka, we believe caring for family goes beyond sending money home. Through trusted healthcare partnerships and accessible coverage options, we help you stay involved in your loved ones’ wellbeing, no matter where you live in the world. From preventive care to emergency support, Helpmewaka Healthcare helps families stay protected, connected, and prepared.

REGION OF COVER	Nigeria
PROVIDER TYPE	Standard Network
OUT-PATIENT BENEFIT
GP Consultations at chosen accredited primary care provider including investigations, Basic Imaging (X Ray & USS) nursing care and prescribed medications	Covered
Acute care benefits including out-of-network care	Covered
Minor Surgeries	Covered
Annual physical in your doctor room	Covered
SPECIALIST CONSULTATION
Consultation with common specialist (Gynecologists, Obstetrician, General Surgeon, Pediatrician, ENT Surgeon, Family Physician, Cardiologist)	Covered up to 8 visits a year
Consultation with Rare Specialists- Neurosurgeon, Endocrinologist, Rheumatologist, Nephrologist etc.	Not Covered
CHRONIC DISEASE MANAGEMENT
Prescribed Medications (after 12mths on the scheme)	Up to N70,000 per Year
PREVENTIVE & HEALTH PROMOTION BENEFIT
Routine medical Screening	Covered
Comprehensive Annual Medical screening at designated facilities	Not Covered
UNDER FIVE IMMUNIZATION BENEFIT
NPI-approved Immunization limited to BCG, OPV, HEPATITIS B, DPT, HEAMOPHILLUS INFLUENZA B, MEASLES, YELLOW FEVER	Covered
Non-NPI Immunization limited to ROTAVIRUS, PNEUMOCOCCAL, CHICKEN POX, TYPHOID FEVER, MENINGITIS	Not Covered
MAJOR DISEASE CONDITION BENEFITS
Surgical Procedures (Intermediate & Major)	Up to N150,000 Limit
Cancer care limited to diagnosis, radiotherapy & chemotherapy	Not Covered
REPRODUCTIVE HEALTH BENEFIT
Family Planning including IUCDS, INJECTABLES, ORAL CONTRACEPTIVES, NORPLANT (after 12months on the scheme)	Up to N15,000 per Year
Infertility limited to diagnosis & prescribed medications	Not Covered
MATERNITY BENEFITS: (Family Plan holders only after 12mths)
Ante-natal care at registered network provider	Up to N150,000 Limit
Normal Delivery including Post-Partum Care	Covered
Operative Delivery including Post-partum care	Covered
Medical Conditions during Pregnancy	Covered
Complications from Pregnancy & Childbirth	Covered
IN-PATIENT BENEFIT
Ward admission & Feeding	Private Ward up to 15 days per year
Laboratory investigations, Nursing care, dressing & prescribed medications	Covered
Specialist Review	Covered up to specialist consult limit stated above
PAEDIATRIC CARE (FAMILY PLAN HOLDER ONLY)
Consultation with Neonatologist & pediatrician	Covered up to 2 consults max
Neonatal care including Phototherapy & Incubator care	Up to 24hrs a year
Exchange blood transfusion	Covered up to N35,000
ACCIDENT & EMERGENCY BENEFIT
Nationwide Emergency evacuation, Emergency room care including consultations, investigations, surgical intervention & prescribed medications to stabilize patient in Emergency room only	Up to N100,00 Limit
EYE CARE BENEFIT
Consultation with Optician including test, Lens & Prescribed Medications	Up to N7,500 Limit
DENTAL CARE BENEFIT
Consultation with Dentist including Dental investigations, pain therapy, simple & surgical extraction, Amalgam filling, Root canal treatment, Gingival treatment & crowning only	Up to N10,000 per Year
ADDITIONAL BENEFITS
Physiotherapy	7 Sessions
Psychiatry assessment & treatment of acute phase up to 2 weeks	Covered
HIV/AIDS Treatment at designated centers	Covered
Specialized Laboratory Studies like Hormonal Assays, D-dimers, Cardiac Enzymes etc.	Covered
Specialized Imaging Studies echocardiogram, IVU, Contrast studies, Doppler Scan etc	Covered
Advanced Radiological Studies CT scan or MRI (once annually)	Limited to CT-Scan
OVERALL LIMIT Per Individual	N700,000

REGION OF COVER	Nigeria
PROVIDER TYPE	Enhanced Network
OUT-PATIENT BENEFIT
GP Consultations at chosen accredited primary care provider including investigations, Basic Imaging (X Ray & USS) nursing care and prescribed medications	Covered
Acute care benefits including out-of-network care	Covered
Minor Surgeries	Covered
Annual physical in your doctor room	Covered
SPECIALIST CONSULTATION
Consultation with common specialist (Gynecologists, Obstetrician, General Surgeon, Pediatrician, ENT Surgeon, Family Physician, Cardiologist) and Rare Specialists (Neurosurgeon, Endocrinologist, Rheumatologist, Nephrologist etc.)	Covered up to 10 visits a year
CHRONIC DISEASE MANAGEMENT
Prescribed Medications (after 12mths on the scheme)	Up to N90,000 per Year
PREVENTIVE & HEALTH PROMOTION BENEFIT
Routine medical Screening	Covered
Comprehensive Annual Medical screening at designated facilities	Not Covered
UNDER FIVE IMMUNIZATION BENEFIT
NPI-approved Immunization limited to BCG, OPV, HEPATITIS B, DPT, HEAMOPHILLUS INFLUENZA B, MEASLES, YELLOW FEVER	Covered
Non-NPI Immunization limited to ROTAVIRUS, PNEUMOCOCCAL, CHICKEN POX, TYPHOID FEVER, MENINGITIS	Covered
MAJOR DISEASE CONDITION BENEFITS
Surgical Procedures (Intermediate & Major)	Up to N250,000 limit
Cancer care limited to diagnosis, radiotherapy & chemotherapy	Not Covered
REPRODUCTIVE HEALTH BENEFIT
Family Planning including IUCDS, INJECTABLES, ORAL CONTRACEPTIVES, NORPLANT (after 12months on the scheme)	Up to N20,000 per Year
Infertility limited to diagnosis & prescribed medications	Up to N50,000 per Year
MATERNITY BENEFITS: (Family Plan holders only after 12mths)
Ante-natal care at registered network provider, Normal Delivery, Operative Delivery including Post-partum care	Up to N200,000 Limit
Medical Conditions during Pregnancy	Covered
Complications from Pregnancy & Childbirth	Covered
IN-PATIENT BENEFIT
Ward admission & Feeding	Private ward up to 18 days per year
Laboratory investigations, Nursing care, dressing & prescribed medications	Covered
Specialist Review	Covered up to specialist consult limit stated above
PAEDIATRIC CARE (FAMILY PLAN HOLDER ONLY)
Consultation with Neonatologist & pediatrician	Covered up to 2 consults max
Neonatal care including Phototherapy & Incubator care	Up to 48hrs a year
Exchange blood transfusion	Covered up to N50,000
ACCIDENT & EMERGENCY BENEFIT
Nationwide Emergency evacuation, Emergency room care including consultations, investigations, surgical intervention & prescribed medications to stabilize patient in Emergency room only	Up to N150,000 limit
EYE CARE BENEFIT
Consultation with Optician including test, Lens & Prescribed Medications	Up to N10,000 limit
DENTAL CARE BENEFIT
Consultation with Dentist including Dental investigations, pain therapy, simple & surgical extraction, Amalgam filling, Root canal treatment, Gingival treatment & crowning only	Up to N15,000 limit
ADDITIONAL BENEFITS
Physiotherapy	10 sessions
Psychiatry assessment & treatment of acute phase up to 2 weeks	Covered
HIV/AIDS Treatment at designated centers	Covered
Specialized Laboratory Studies like Hormonal Assays, D-dimers, Cardiac Enzymes etc.	Covered
Specialized Imaging Studies echocardiogram, IVU, Contrast studies, Doppler Scan etc	Covered
Advanced Radiological Studies CT scan or MRI (once annually)	Covered
OVERALL LIMIT Per Individual	N850,000

REGION OF COVER	Nigeria
PROVIDER TYPE	Standard Network
OUT-PATIENT BENEFIT
GP Consultations at chosen accredited primary care provider including investigations, Basic Imaging (X Ray & USS) nursing care and prescribed medications	Covered
Acute care benefits including out-of-network care	Covered
Minor Surgeries	Covered
Annual physical in your doctor room	Covered
SPECIALIST CONSULTATION
Consultation with common specialist (Gynecologists, Obstetrician, General Surgeon, Pediatrician, ENT Surgeon, Family Physician, Cardiologist) and Rare Specialists (Neurosurgeon, Endocrinologist, Rheumatologist, Nephrologist etc.)	Covered up to 6 visits a year
CHRONIC DISEASE MANAGEMENT
Prescribed Medications (after 12mths on the scheme)	Up to N40,000 per Year
PREVENTIVE & HEALTH PROMOTION BENEFIT
Routine medical Screening	Not Covered
Comprehensive Annual Medical screening at designated facilities	Not Covered
UNDER FIVE IMMUNIZATION BENEFIT
NPI-approved / Non-NPI Immunizations	N/A (Senior Plan)
MAJOR DISEASE CONDITION BENEFITS
Surgical Procedures (Intermediate & Major)	Up to N100,000 limit
Cancer care limited to diagnosis, radiotherapy & chemotherapy	Not Covered
REPRODUCTIVE HEALTH / MATERNITY BENEFIT
Family Planning, Infertility, or Maternity benefits	N/A
IN-PATIENT BENEFIT
Ward admission & Feeding	Semi-Private ward up to 10 days per year
Laboratory investigations, Nursing care, dressing & prescribed medications	Covered
Specialist Review	Covered up to specialist consult limit stated above
ACCIDENT & EMERGENCY BENEFIT
Nationwide Emergency evacuation, Emergency room care including consultations, investigations, surgical intervention & prescribed medications to stabilize patient in Emergency room only	Up to N80,000 limit
EYE CARE BENEFIT
Consultation with Optician including test, Lens & Prescribed Medications	Up to N42,500 limit
DENTAL CARE BENEFIT
Consultation with Dentist including Dental investigations, pain therapy, simple & surgical extraction, Amalgam filling, Root canal treatment, Gingival treatment & crowning only	Up to N15,000 limit
ADDITIONAL BENEFITS
Physiotherapy	10 sessions
Psychiatry assessment & treatment of acute phase up to 2 weeks	Covered
HIV/AIDS Treatment at designated centers	Covered
Specialized Laboratory Studies like Hormonal Assays, D-dimers, Cardiac Enzymes etc.	Covered
Specialized Imaging Studies echocardiogram, IVU, Contrast studies, Doppler Scan etc	Covered
Advanced Radiological Studies CT scan or MRI (once annually)	Covered
OVERALL LIMIT Per Individual	No Limit

REGION OF COVER	Nigeria
PROVIDER TYPE	Standard Network
OUT-PATIENT BENEFIT
GP Consultations at chosen accredited primary care provider including investigations, Basic Imaging (X Ray & USS) nursing care and prescribed medications	Covered
Acute care benefits including out-of-network care	Covered
Minor Surgeries	Covered
Annual physical in your doctor room	Covered
SPECIALIST CONSULTATION
Consultation with common specialist (Gynecologists, Obstetrician, General Surgeon, Pediatrician, ENT Surgeon, Family Physician, Cardiologist) and Rare Specialists (Neurosurgeon, Endocrinologist, Rheumatologist, Nephrologist etc.)	Covered up to 7 visits a year
CHRONIC DISEASE MANAGEMENT
Prescribed Medications (after 12mths on the scheme)	Up to N50,000 per Year
PREVENTIVE & HEALTH PROMOTION BENEFIT
Routine medical Screening	Covered
Comprehensive Annual Medical screening at designated facilities	Covered
UNDER FIVE IMMUNIZATION BENEFIT
NPI-approved / Non-NPI Immunizations	N/A (Senior Plan)
MAJOR DISEASE CONDITION BENEFITS
Surgical Procedures (Intermediate & Major)	Up to N120,000 limit
Cancer care limited to diagnosis, radiotherapy & chemotherapy	Up to N100,000 limit
REPRODUCTIVE HEALTH / MATERNITY BENEFIT
Family Planning, Infertility, or Maternity benefits	N/A
IN-PATIENT BENEFIT
Ward admission & Feeding	Private ward up to 15 days per year
Laboratory investigations, Nursing care, dressing & prescribed medications	Covered
Specialist Review	Covered up to specialist consult limit stated above
ACCIDENT & EMERGENCY BENEFIT
Nationwide Emergency evacuation, Emergency room care including consultations, investigations, surgical intervention & prescribed medications to stabilize patient in Emergency room only	Up to N100,000 limit
EYE CARE BENEFIT
Consultation with Optician including test, Lens & Prescribed Medications	Up to N60,000 limit
DENTAL CARE BENEFIT
Consultation with Dentist including Dental investigations, pain therapy, simple & surgical extraction, Amalgam filling, Root canal treatment, Gingival treatment & crowning only	Up to N20,000 limit
ADDITIONAL BENEFITS
Physiotherapy	10 sessions
Psychiatry assessment & treatment of acute phase up to 2 weeks	Covered
HIV/AIDS Treatment at designated centers	Covered
Specialized Laboratory Studies like Hormonal Assays, D-dimers, Cardiac Enzymes etc.	Covered
Specialized Imaging Studies echocardiogram, IVU, Contrast studies, Doppler Scan etc	Covered
Advanced Radiological Studies CT scan or MRI (once annually)	Covered
OVERALL LIMIT Per Individual	No Limit

Select Your Health Plan

Titanium Ultra

Titanium Deluxe

Citizen Fresh

Citizen Delight

Health Insurance Services

Titanium Ultra Plan Details

Titanium Deluxe Plan Details

Citizen Fresh (For Senior Citizens 60+) Details

Citizen Delight (For Senior Citizens 60+) Details

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