Here are some Frequently Asked Questions and Answers
Leadway Health is a subsidiary of Leadway Holdings, and a sister company of Leadway Assurance Company Limited, the leading insurance company in West Africa of over 50 years of insurance experience which our customers have come to know and trust.
Health insurance is a form of insurance coverage that covers for your healthcare needs.
Leadway Health provides affordable, customer-focused and value-based health insurance packages and services leveraging on digital technology, artificial Intelligence and a wealth of HMO experience. At Leadway Health we work together with YOU to prevent and manage health conditions.
We offer Corporate, SME, Retail and International plans and all our plans are designed to provide similar benefits with the only differences in the extent of access on each of the plans. The plans cover you for one year.
Through our bespoke healthcare plans we offer a diverse range of healthcare services which include Outpatient and Inpatient Hospital Services, Optical and Dental Services, Telemedicine, Emergency services, Mental Health Care, Chronic Disease Management, Advanced Pharmacy Benefit, Home Vaccinations, Access To Fitness Centres And Nutritional Stores, Tailor Made Health tips and so much more.
The cost of each of our plans is dependent on the type of plan a customer chooses to purchase.
Your choice of plan is determined by the cover benefits relevant to you or as chosen by your employer.
Yes, the Leadway Health app is available for all via the Android and Apple store. With the Leadway Health App, enrollees can Schedule appointments, Access their E-HMO card, Book telemedicine services, Request emergency care, Track their health, Earn rewards for practicing healthy lifestyle choices and so much more.
You can start to enjoy access to care as soon as the policy commences. For new registrations on the scheme, care can be accessed within 24 hours of receiving details of the enrollee.
All other services apart from GP consultation, routine investigations, and emergency care require Pre-Authorization. Pre-authorizations can also be tracked via the Mobile App.
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.
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, All Members registered can access care on the policy with the issued member numbers, E-cards on the APP or the physical HMO card.
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.
Upon receipt and verification of completed registration details, ID cards are delivered within one week however, member numbers are sent within 24hours.
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.
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.
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 01-2801051/08139862271 or by sending an e-mail to
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.
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.
Yes, we are open to expanding our network and will contract new health care providers who meet our credentialing standards.
Yes, there are some plan benefits that come with limit and same will apply depending on the plan type you are on. Some of these services on the Leadway health plan include Physiotherapy, Renal dialysis, Dental, Optical etc.
Can I get reimbursed for prescribed medications purchased from a pharmacy not on Leadway health’s network?
No, you will not be reimbursed for medication purchased without approval. Leadway Health runs a Pharmacy benefit scheme in partnership with various pharmacies chains nationwide such as Healthplus, Medplus, Express pharmacy etc. Enrollees can call the customer care for assistance and visit the closest pharmacy to them to pick up their prescriptions.
An enrollee only pays out of pocket when the treatment is not covered under your plan type, or if you visit a hospital out of Leadway Health’s provider network without prior authorization.
To process reimbursement for services provided outside the Leadway Health provider network, there must be pre-authorisation except in cases of an Emergency. You should contact the HMO within 72 hours, and provide below details within 1 week:
• Comprehensive medical report from the attending doctor
• Original invoices
• Original receipt of payment
• A completed reimbursement form
An exclusion is any service not covered under the benefits of a procured health plan. We however do offer services excluded at an affordable fee.
Contact us via or call on 01-2801051/08139862271 within 24 hours of the loss.
You send in your complaints by calling our 24/7 customer care team on 01-2801051/08139862271 or chatting with us via the mobile app or Whatsapp or sending an e-mail to
Yes, Our Call centre and Live support channels are available 24 hours, 7 days a week to respond to your health needs. 01-2801051, +234 904 076 0684 and
Retail Plan Questions
Yes, the retail plan covers ages 0 – 52years however, minors cannot purchase on their own.
A pre-existing condition is any medical condition that already existed at the time of purchasing a health plan.
Yes, all pre-existing and chronic conditions are excluded from the policy in the first year however please refer to the terms and conditions on your policy document for full list of conditions.
No, premium are on annual basis.
Yes, you may wish to add any number of dependents (within the age limit) on your plan at the cost of the chosen plan.
Yes, you may purchase the plan for your family.
Yes, enrollees have access to available hospitals on their plan type.
No, gym access is only available on group plans
Yes, for cases that cannot be properly managed in Nigeria, other regions of cover stated on the plan are accessible.
Corporate Plans Questions
Minimum of 20 staff for the corporate plan and 10 staff for the SME plan (However SMEs must all be on the same plan).
Yes, pre-existing health conditions are covered for all staff. However we ask that you disclose your condition at the commencement of the health plan to benefit from our Chronic Disease Management Program. Click LINK TO REGISTER AND A CALL BACK to find out more.
HR Managers and Business Owners can onboard staff, track coverage packages, generate reports and so much more through our Corporate Portal. Click LINK TO REGISTER AND A CALL BACK to find out more.
Leadway Health offers a one-of-a-kind roaming hospital service for all enrollees on the corporate plan. You can access any provider available on your plan type on the go, anywhere in Nigeria.
A summary of benefits coverage for your plan type is made available to your HR team or via the Mobile App.
This is dependent on your company policy. However, standard cover is Staff, Spouse and 4 biological children.
Upgrades are only allowed at policy inception and renewal. A 30 days grace is provided for this change at each interval.
All Newborn babies on the Leadway Health Corporate plan are covered under the mother’s plan within the first 6 weeks of life. Babies should be registered soon after birth to receive care after the neonatal period. In addition to their benefits coverage, babies on the Leadway Health plan receive immunization, well-baby checks at their primary care provider and are covered under the Baby wellness programme.
Yes, you may access care out Nigeria at regions available on your plan type for cases that cannot be properly managed within the country.
Yes, at Leadway Health we offer affordable tailor-made Pre-employment Tests to suit your work environment. CLICK LINK TO FIND OUT MORE.
Healthcare providers such as hospitals, eye and dental clinics, pharmacies, gyms, nutritional stores, etc. that have registered, been screened and approved by our Provider Management Team are eligible to join the Leadway Health Provider Network. Click link to provider registration site to begin.
Once you join our provider network, your facility will immediately be made available to all our enrollees.
Providers on our network have access to our provider portal (available 24/7) to verify members within seconds and request for approvals which will treated within minutes.
Claims are processed immediately after submission and payment made within 24hrs of processing. Payment frequency is according to provider preference with options for daily, weekly and monthly payments, with an automated payment advice and notification.
Senior Citizens Questions
Individuals who are 55- 69 years can access this plan and it remains continuous till you stop the plan. However those who are 70 years and above would be subject to medical underwriting.
Yes, any adult over the age of 18 can buy/gift a health plan for a loved one. Click LINK TO SENIOR CITIZEN REGISTRATION to begin.
International Plan Questions
This plan is for clients who want full coverage in and outside the country.
Yes, there is a complimentary travel insurance cover on the plan.