No, an Out- of-Network hospital can ONLY be used in an emergency situation. If you decide to use it according to preference; please note that reimbursement will be at our IN-network provider’s rate for your plan type.

Our Providers services and quality assurance team carries out initial credentialing and periodic monitoring of contracted hospitals on our scheme. Unscheduled visits are also made to these health facilities to ensure compliance.

Leadway Health enrollees do not pay for covered services on the health plan. In the event of any doubt, always call the customer care center for assistance on 02012801051/07080627051 or by sending an e-mail to

We have an extensive network of providers and we advise that you choose a health care provider near where you live or work within your hospital band. In the event of an emergency, you can access care from any provider from within and outside our network. Our contact center is available 24/7 to help you navigate this.

A list of our contracted providers can be found in the hospital directory shared with you or your HR team or via the Mobile App.

Upon receipt and verification of completed registration details, ID cards are delivered within one week however, member numbers are sent within 24hours.

Enrollees are allowed to roam across preferred hospitals within their hospital band. You can choose to use any hospital available on your plan pan-Nigeria.

Yes, All Members registered can access care on the policy with the issued member numbers, E-cards on the APP or the physical HMO card.

You can access care at any health provider on the HMO hospital network (call the HMO customer care if you require assistance). You are required to contact the HMO or your HR representative (directly or through your co-workers) to inform them of the situation.

Yes, emergency stabilization is covered on all our plans. A medical emergency is an accidental injury or the sudden and unexpected onset of a condition requiring immediate medical or surgical care.