Insurance product summary
Swift Lite - essential outpatient health cover
Company: Swift (NHIA-accredited, Nigeria) · Product: individual and family health insurance · Pre-launch - this summary is indicative until enrolment opens.
What is this type of insurance?
Essential outpatient health cover for individuals and families in Nigeria. It pays for everyday illness care - GP visits, basic tests and generic medicines - at clinics in the Swift network, plus emergency care anywhere in Nigeria. It can be paid for locally in naira or from abroad in pounds, dollars, euros or Canadian dollars.
What is insured?
- 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 2 dependants on a single policy
Annual limits: outpatient ₦200,000 · pharmacy ₦80,000 · labs ₦60,000. Copays at point of care: clinic ₦1,500, pharmacy ₦500, lab ₦1,000.
What is not insured?
- 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)
Are there any restrictions on cover?
A 30-day waiting period applies from the start of cover, except genuine emergencies, which are covered from day one. Care must be received at Swift network providers, except emergencies. Up to 2 dependants can join one policy. Generic medicines are dispensed where a generic exists.
Where am I covered?
In Nigeria, at Swift network clinics, pharmacies and labs - launching in Lagos and growing city by city. Emergency cover applies anywhere in Nigeria.
What are my obligations?
Give accurate information when enrolling (identity is verified against NIMC records), pay premiums when due, present your Swift ID when receiving care, and pay the small copay at the point of care.
When and how do I pay?
Monthly or annually - from ₦16,000 per month (indicative, set at launch). In Nigeria: card, bank transfer or USSD in naira. From abroad: card or wallet in GBP, USD, EUR or CAD. Paying annually saves 5% over paying monthly.
When does cover start and end?
Cover starts when your first payment is confirmed and runs for the period paid. If a payment is missed there is a 14-day grace period, after which cover lapses; a lapsed policy can be reinstated within 30 days.
How do I cancel?
Cancel any time from your account or by contacting support - cover then runs to the end of the period already paid. Complaints follow the process on our complaints page, with escalation to the NHIA where unresolved.