1.The contract and the parties
This policy involves three parties: Swift (the insurer, NHIA-accredited), the sponsor (the person abroad who pays the premium and holds the billing relationship), and the insured relative (the person in Nigeria who receives cover). The insured relative is the member; the sponsor is not insured under this policy unless they hold their own separate cover.
2.Consent and identity
Cover activates only after the insured relative confirms their own enrolment and completes identity verification (NIN, checked against NIMC records) through the secure link Swift sends them. For a minor, a parent or guardian in Nigeria completes this step. A sponsor cannot activate cover for an adult without that person's participation.
3.What the sponsor pays and sees
The sponsor pays the premium in their own currency - GBP, USD, EUR or CAD - by card or wallet, monthly or annually. Swift bears the foreign-exchange risk; the premium in the sponsor's currency is fixed for the period paid. The sponsor sees, in their Kin dashboard: the cover status, every visit and every claim for the relatives they pay for. The sponsor does not see clinical notes or test results - medical detail belongs to the insured relative.
4.Schedule of benefits (the insured relative)
The insured product is Swift Lite - identical benefits to the direct policy (see the Swift Lite specimen wording).
| Outpatient / GP visits | Up to ₦200,000 per year |
| Pharmacy (generics) | Up to ₦80,000 per year |
| Basic labs and diagnostics | Up to ₦60,000 per year |
| Emergency care | Included from day one |
| Dependants | Up to 2 on one policy |
| Clinic copay | ₦1,500 |
| Pharmacy copay | ₦500 |
| Lab copay | ₦1,000 |
| Waiting period | 30 days from your first payment |
5.What is covered
- 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
6.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)
7.Waiting period
A 30-day waiting period runs from the first successful payment; during it only genuine emergencies are covered. Emergency care applies anywhere in Nigeria from day one.
8.Using the cover in Nigeria
The insured relative receives care cashless at Swift network providers using their Swift ID - a digital QR on any smartphone, or a printed ID card posted to them; no smartphone is required. They pay only the small copay at the point of care.
9.Payment, lapse and reinstatement
If a sponsor payment fails, Swift notifies the sponsor and cover continues through a 14-day grace period, then lapses. A lapsed policy may be reinstated by payment within 30 days. The sponsor may cancel at any time from their dashboard; cover runs to the end of the period already paid, and Swift notifies the insured relative that cover is ending.
10.Complaints and data protection
Complaints from the sponsor or the insured relative follow the process at getswift.health/legal/complaints, escalating to the NHIA where unresolved. The insured relative's data is processed under Nigeria's NDPA; the sponsor's data is additionally protected under UK/EU GDPR as set out in the Kin privacy notice.