Coverage details
What Swift Lite covers.
Swift Lite is a lean beta plan: essential outpatient cover for the everyday illnesses that send most Nigerians to a clinic, plus emergency care. Here is exactly what you get, and what is not in scope, so there are no surprises at the clinic.
Pre-launch. These are the intended benefits for Swift Lite. Limits and copays are indicative and confirmed when cover opens.
The conditions we treat
Swift Lite is scoped tightly to the five illnesses Nigerians actually present with, plus a GP consultation to triage any of them, and emergency care.
Malaria
Rapid diagnostic test, the full medication course, and a follow-up consult.
Typhoid
Widal test, antibiotics where indicated, and review until recovery.
Chest infections
Coughs, sinusitis, bronchitis and other acute respiratory illness.
Stomach bugs
Gastroenteritis and infective diarrhoea, with rehydration and medication.
Minor injuries
Cuts, sprains, burns and superficial wounds, with same-day care.
Emergency care
Genuine emergencies are covered from day one, anywhere in Nigeria.
Your benefits and limits
Annual limits are per member. Small flat copays apply at the point of care and are capped so a visit never breaks the bank.
Indicative, subject to change at launch. After cover opens there is a 14-day grace period on a missed payment, then a 30-day window to reinstate without a new waiting period.
Included, and not included.
What is covered
Swift Lite- GP consultations at network clinics
- Generic prescription medicine at partner pharmacies
- Basic labs: malaria RDT, Widal, full blood count and urinalysis
- Care for malaria, typhoid, chest infections, stomach bugs and minor injuries
- Emergency care across Nigeria, from day one
- Cover for up to two dependants on a single policy
What is not covered
- Telemedicine and video consultations
- Inpatient admission and overnight hospital stays
- Specialist consultations (except referral from an emergency)
- Dental, optical and maternity care
- Mental health and chronic disease management
- Cancer, surgery, physiotherapy and elective procedures
- Brand-name drugs where a generic exists
- Care outside the Swift network (except genuine emergencies)
The items above are out of scope for the beta. Hospitalisation, specialists, maternity and chronic care are planned for a future Swift Complete tier once we are accredited or operating under a partner licence. We will publish that cover before it opens.
See the price and reserve your place.
Reserving takes a minute, costs nothing, and is not a contract of insurance. We will email you to confirm your price and start date when cover opens.