Swift Lite - specimen policy wording

This policy is a contract between Swift (the insurer, NHIA-accredited) and the policyholder named in the policy schedule. Cover is provided in return for the premium, on the terms in this wording and the schedule. Each policy carries a policy number in the format SWF-YYYY-000000 (shown here as a format illustration only).

• Member - the person insured under this policy.
• Dependant - a family member added to the policy by the policyholder.
• Network provider - a clinic, pharmacy or laboratory contracted to Swift.
• Copay - the small fixed amount paid at the point of care.
• Waiting period - the days after cover starts during which only emergencies are covered.
• Policy year - twelve months from the cover start date.

The member must be resident in Nigeria and complete identity verification (NIN, checked against NIMC records) before cover activates. Up to 2 dependants may be added to one policy; each dependant is a separately paid life. Information given at enrolment must be accurate; cover obtained on false information may be cancelled.

• 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

Covered conditions in full:

• 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 - Emergencies are covered from day one, anywhere in Nigeria.

• 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 full exclusions list, including condition codes, is part of the executed policy terms.

A 30-day waiting period runs from the first successful payment. During it, only genuine emergencies are covered. After it, all scheduled benefits apply.

Care is cashless at network providers: present your Swift ID (digital QR or printed card), the provider confirms eligibility on the spot, you pay only the copay. Outside the network, only emergencies are covered. Emergency care is covered anywhere in Nigeria from day one, including out-of-network where necessary.

Network providers bill Swift directly - members do not file claims for network care. Claims are adjudicated against the policy terms; the member can see every visit and claim in their Swift account and may dispute a decision through the complaints process.

Premiums are payable monthly or annually, in advance - indicatively from ₦16,000 per month, with a saving for paying annually. If a payment is missed, cover continues through a 14-day grace period, then lapses. A lapsed policy may be reinstated by payment within 30 days; after that it is cancelled and re-enrolment starts a new policy with a new waiting period.

The policyholder may cancel at any time from their Swift account or by contacting support. Cover then runs to the end of the period already paid; periods already paid are not refunded.

Complaints follow the published process at getswift.health/legal/complaints, with escalation to the National Health Insurance Authority where unresolved.

Personal and health data is processed under the Nigeria Data Protection Act 2023 as set out in the privacy policy. Members may access, correct, delete or port their data from their account.