WellnessOSby Extraordinary Azuka
COMING SOON₦1,000 a day. 84 days. Covered. Try Save to Cover →

1:47 in the morning, somewhere in Nigeria

WellnessOS — free health tools, telemedicine and Clearline Enrollee Assist and travel health insurance for Nigerians. Deposit first.Plan first.

In Nigeria the hospital asks for money before it asks what is wrong. WellnessOS is the free system you set up before that call: a doctor tonight, what your HMO really covers, whether your drugs are genuine, and the nearest hospital that accepts your card.

Talk to a doctor What do you need?
Travelling abroad? Visa-ready travel insurance →

Free, no loginBuilt with ClearlineHMO · NHIA code 0032,109+ hospitals and clinicsTravel cover for Schengen, UK, US, Canada

Two ways I protect you

Leaving Nigeria, or staying? Either way, you're covered.

Most people who reach me here ask about one thing: travel health insurance for a visa. The rest want cover for the family at home. I do both, and I'll tell you plainly who stands behind each one.

Boarding pass · healthGate: your visa

Travelling abroad? Get visa-ready travel insurance.

Your visa gets you there. Your insurance brings you back. One day in a US hospital averages about $3,297 (KFF, 2024). Schengen won't even give you the visa without €30,000 of medical cover.

CoverMedical + evacuation
WordingMatches the embassy
Checked byA human, before you submit
ReplyOn WhatsApp
Pick a country to see what the embassy expects — then get a quote that matches it.
Get my travel insurance quoteVisa rules by country

Arranged by Azuka Orumgbe. Underwritten by a NAICOM-licensed insurer — not by ClearlineHMO. We never promise a visa; we make sure your cover matches what the embassy asks for.

Staying homeNHIA code 003

Cover for you and the family you leave behind.

  • Doctor online, any hourKiaKia ₦3,500/yr
  • Hospital, admission, surgeryClear Value ₦84,000
  • Parents & existing conditionsClear Elite ₦600,000
  • Your staff, 11 to 500+SME · Corporate · Superb
Find my plan in 60 secondsCover Mum or DadRegister & pay

Health plans are issued by Clearline International Limited (RC 493596), an NHIA-accredited HMO. Pay only to Clearline's company account — never to a person.

Parents visiting you abroad?Visitor and Canada Super Visa medical cover, arranged before the application. Parents staying in Nigeria?Clear Elite was built for BP, sugar and the conditions other plans refuse.

Start with the problem, not the product

What is happening right now?

    New in WellnessOS 7 · free, daily

    Stay well on purpose. One small win a day.

    Most Nigerians only think about health when the hospital asks for a deposit. These three turn it into a habit you'll actually want to open every morning.

    Nigerian professionals walking briskly together, a 90-day wellness tracker on the wall behind them Day 38 of 90 · live nowWellnessOS 90Ninety missions, guided home workouts with animated moves, real exercise videos, streaks, badges — and 18 everyday Naija challenges: traffic, NEPA, owambe, the office chair.Start today A Nigerian team planning around a 2026 health calendar on the desk Next holiday loading…Health & Holiday CalendarEvery public holiday and health day, a wellness idea for each, your birthdays and check-ups, weekly rest reminders and bedtime nudges — straight into your phone calendar.Plan my month Schengen · UK · US · Canada · HajjTravel Insurance & Visa HealthThe €30,000 Schengen check, what each embassy asks for, yellow card, medicines at the airport, a trip countdown — and travel health insurance arranged by Azuka.Check my trip & get a quote

    For Clearline members · Enrollee Assist 7

    At the hospital and nothing is moving?

    Tap Start my visit when you walk in. Enrollee Assist times every stage — registered, request sent, code received, seen, drugs — nudges you at 20, 45 and 90 minutes, and gives you the exact words for the desk in English or Pidgin.

    • Built from the patterns behind real escalations — no request sent, wrong ID, hospital above your plan, expired cover, refunds.
    • 2,109 hospitals and every benefit line for your tier — works with no signal.
    • One-tap escalation with your times already written in.
    Open Enrollee AssistTalk to a doctor instead

    Try it before you trust it

    Three answers people need at a hospital desk.

    No form, no login. These run in your browser now.

    Is it covered on my plan?

    Type any service. The answer comes from the 2026 corporate benefit table.
    Full coverage checker

    Is my medicine genuine?

    Format and expiry are checked here. Then confirm on the NAFDAC Greenbook in one tap.
    Full drug check

    Which Clearline hospital is near me?

    Searches the 2026 Clearline provider list, with call and directions links.
    Full hospital finder

    New · free · Read My Results

    Can't read the doctor's writing? Snap it.

    Photograph your lab result, scan report, prescription or case note. Get it in plain English: what each result means, what every drug is for and how to take it, what to ask your doctor, which specialist you need — and the nearest hospital or pharmacy that can help.

    • Saved on your phone in case you lose the prescription.
    • Share it in one tap for a second opinion.
    • Specialists, teaching hospitals and pharmacies in all 36 states + FCT.
    Read my resultsFind a specialist

    Why this exists

    I lost a client over a benefit table.

    Azuka Orumgbe, Corporate Partnerships at ClearlineHMO and builder of WellnessOS
    Azuka Orumgbe · “Extraordinary Azuka”Corporate Partnerships, ClearlineHMO. WhatsApp 0806 838 7128.

    My name is Azuka Orumgbe. I work in Corporate Partnerships at ClearlineHMO. I sell health cover, and I would rather say that plainly than hide it.

    Earlier this year I spent six weeks with a Lagos firm, going line by line through maternity caps, admission days, global limits and preferred hospitals. They chose another HMO because the price was lower.

    When people cannot see the difference, they choose the cheaper price.

    Their decision was not the problem. The problem was that nobody had shown them what to compare, so they compared the only number they understood. The premium is the number that tells you least about whether a plan pays when someone is on a hospital bed.

    So I stopped opening with plans. I have spoken about sickness financing every day for more than 1,200 days, and worked with 30+ organisations — banks, logistics companies, associations, churches, NGOs and families in Nigeria and abroad. Everything I learned is built into these tools, free, before anyone sells you anything.

    Most people who find me here ask for travel health insurance for a visa. Clearline doesn't sell that, so I arrange it myself through a NAICOM-licensed partner insurer — and I still tell you if the family you leave behind needs cover at home.

    “Beyond 5 stars. You do it just right by us in the hospitality business.”

    Oluwatobi Busola Alao, Team Lead HR & Admin, Tomsey Engineering — published on clearlinehmo.com
    Seven years

    DirectBridge Microfinance Bank's Head of HR describes a seven-year relationship with Clearline.

    A smooth caesarean

    LOA Architects describe a smooth experience, including a caesarean delivery.

    2,109+accredited hospitals and clinics in the 2026 schedule
    3,506First Bank non-core staff placed with Clearline
    ₦34m+THISDAY Newspapers business won in 2026
    1,200+days of daily conversations about paying for sickness

    Recent wins: First Bank (3,506 staff), THISDAY Newspapers (over ₦34 million), Vibrant Ventures, ASL Business Solutions and Merit Healthcare (2026). Clearline has served Nigerians since 1994 — NHIA code 003. Clients include Polaris Bank, First Bank, Air Peace, Vitafoam, C-Way, CDK, Tomsey Engineering, DirectBridge MFB and LOA Architects.

    Clear Elite · for parents and existing conditions

    Cover the ones who raised you.

    Mama says “I'm fine.” You know she isn't. BP, sugar, knees — ₦50,000 here, ₦80,000 there, from your pocket. Then you try to insure her and hear the two sentences every Nigerian child dreads:

    “Sorry. Pre-existing condition.”“Sorry. She's too old.”Pay every bill yourself, forever

    Six checks before you buy any plan for a parent

    1Does it accept the condition she already has?
    If it doesn't, it's just paper. Clear Elite: built for existing and chronic conditions — BP, diabetes and similar — subject to underwriting.
    2Up to what age?
    Many plans stop at 60 or 65. Clear Elite: ages 0 to 75, sold mostly to people aged 50–75, subject to underwriting.
    3What can she use now, and what must wait?
    Every plan has waiting periods. Clear Elite: chronic medicines after 2 months; dental and physiotherapy from quarter 2; eye care from quarter 3; some surgeries, cancer care and ICU after year one. You get the full list in writing before you pay.
    4Is the drug limit enough for monthly medicine?
    BP and sugar drugs are every month, for life. Clear Elite: ₦250,000 a year for drugs.
    5Which hospital, and which ward?
    Older patients need a calm room. Clear Elite: private ward, up to 30 days' admission, across the Clearline network.
    6What about the big ones?
    Scans, surgery, cancer. Clear Elite: CT and MRI twice a year, surgery up to ₦500,000, cancer care up to ₦450,000 (after year one), a second opinion abroad, ₦3,000,000 global limit.

    Cover The Ones

    Every plan starts with a person.

    Pick the sentence that sounds like your life. We'll show you the plan that fits it.

    A smiling Nigerian family of four — the people a health plan is really forRead the Cover The Ones playbook ↗

    For businesses & partners

    Hiring people? Know people who hire? Start here.

    Free builder · any industry

    Pre-employment medical screening

    Pick your industry and the roles you're hiring. Get the right tests for each role, then a costed plan. Candidates test at accredited centres near them; HR gets a doctor's fitness report.

    • Drivers, food handlers, factory, security, office, healthcare and more
    • Annual on-site Health Week and in-house clinics too
    • The law built in: no HIV gates, privacy protected
    Build my screening list →     Brokers · HR consultants · affiliates

    Sell health insurance with me. Earn 10%.

    You have the clients; I have products other HMOs don't offer. Signed agreement, 10% commission paid on time, free training and tools — and your client stays yours.

    • Commission calculator and a 5-lesson crash course
    • Screening, in-house clinics, Clear Elite, travel cover
    • I'll join your client meeting
    Become a partner →

    Every tool, one list

    Twenty-two free tools. Pick by the question you have.

    The free report

    Can your company find ₦800,000 tomorrow morning?

    One caesarean in Lagos can cost that. The Nigerian Employer's Health Cost Report shows what illness already costs you, before anyone tries to sell you a plan.

    • Find the cost you already pay: absence, presenteeism, replacements and goodwill bills.
    • Check your NHIA position. Five or more staff means cover is a legal duty.
    • Take 22 questions into any HMO meeting and get the answers in writing.
    • A personal follow-up on WhatsApp within one working day. No bots.

    Send me the report

    Four fields. One useful message.

    Your details go to Azuka only. No list selling. Health answers from the tools are never sent with this form.

    Straight answers

    Questions people actually ask.

    Read all questions

    Home / All tools

    Every free tool in WellnessOS.

    Calculators run in your browser. Nothing is stored about you unless you choose to send it.

    Home / Talk to a doctor

    A doctor, without the deposit.

    Three real routes to care, in the order that keeps you safe: emergency first, a 24/7 doctor second, a booked video consultation third.

    Is any of this happening now? Chest pain or pressure, struggling to breathe, heavy bleeding, fits, a person who cannot be woken, face drooping or slurred speech, a child who is limp or not feeding, pregnancy with bleeding or severe pain. Do not use a chat or video call. Call 112 or go to the nearest emergency room now. Clearline members: emergency treatment comes before the authorisation call.
    Call 112Lagos: 767
    Fastest · 24/7

    KiaKia doctor online

    Clearline's telemedicine plan: chat or consult with a doctor any hour, prescriptions and lab requests included. Clearline says a doctor responds within about 20 minutes. ₦3,500 a year.

    Get KiaKia · ₦3,500I already have it

    Signing up? Use referral code NPEM1Q0U so Azuka can follow up personally.

    KiaKia is telemedicine only. It does not pay for admission or surgery.

    Clearline members

    Call Enrollee Care

    At a hospital, or need a referral or authorisation (PA code)? Call before you pay cash for anything that may be covered.

    0700 245 245 2450908 779 2965

    Also: the Clearline HMO app on Google Play and App Store for your e-ID card and eligibility.

    Book a video consultation

    Your own private video room, in two minutes.

    Fill this in and you get a private, encrypted video room link straight away. A care coordinator confirms a time with you on WhatsApp and a clinician joins you in that room.

    1. Describe what is wrong

      Short is fine. Do not include ID numbers or test results.

    2. Get your room link

      Works in any phone browser. No app needed. Test your camera first.

    3. Confirm on WhatsApp

      The message is written for you. A coordinator replies with the time.

    Booked consultations run in working hours and depend on clinician availability. For a doctor at 2am, KiaKia is the right route.

    Your room is ready.

    Keep this link. The clinician uses the same one. You'll wait in the lobby until they let you in.

    Confirm on WhatsApp Open room

    Test your camera and microphone

    Nothing is recorded or sent. This only checks your phone is ready.

    Not sure how urgent it is?

    The symptom guide checks for danger signs first, then tells you what to write down, what to ask a doctor and how soon to be seen. It never names a disease as yours.

    Open the symptom guideAsk WellnessOS

    Home / Clearline Enrollee Assist

    Help inside the hospital.

    For Clearline members and their families. Check what your plan covers, check a medicine, find a hospital that accepts your card, and know exactly what to say at the desk.

    Enrollee Care 0700 245 245 245Open the offline app

    Source: Clearline 2026 corporate benefit schedule (September 2025 issue) for Bronze to Platinum Plus. Retail, SME, Superb and Elite answers come from Clearline's 2026 plan documents. Your company's contract can differ — the call centre confirms against your enrollee ID before treatment.

    Free · public good · built on NAFDAC's own guidance

    Real or fake? Check your medicine before you swallow it.

    Snap the pack with your camera and we read it for you. Then check the NAFDAC number, dates and seal, do the scratch code and the Greenbook, find a well-reviewed pharmacy, and report fakes to NAFDAC. Free, about a minute.

    12–15% of medicines may be fake (NAFDAC surveys)Photos are not storedTalk to Azuka on WhatsApp

    Step 1 · the pack in your hand

    Snap it. We read it. You decide with facts.

    Take 1–3 clear photos: the front, the side flap with the batch and expiry, and the blister or bottle seal. WellnessOS reads what's printed and flags warning signs. Then you confirm on NAFDAC's own tools. No app can prove a pack is genuine from a photo, and we won't pretend to.

    1 · Add photos

    AND / OR TYPE WHAT YOU SEE
    Your result appears hereAdd a photo or type the NAFDAC number and expiry, then tap Check my medicine.
    NAFDAC's own checkers have known gaps: a July 2026 FIJ test found the Greenbook missed some registered products and returned wrong expiry dates. A miss is a reason to ask the pharmacist and NAFDAC, not proof of a fake.
    Clearline members get drugs through accredited pharmacies, including GreenLife Pharmacy. The safest way to avoid fakes is to collect through the network.

    No phone signal? Use your eyes

    Spot most fakes in 30 seconds.

    Six looks, five seconds each, standing at the counter. Tap Start the 30-second drill and practise once. It sticks.

    0:30
    0–5 s

    Where are you buying?

    A licensed pharmacy with a pharmacist on duty — not a bus stop, market tray or hawker. Fakers love busy places with no receipts.

    5–10 s
    NAFDAC REG. NO.A4-1234

    Find the NAFDAC number

    Usually like A4-1234 or 04-1234. No number, or only digits with no dash, is a red flag. A number can be copied — so it must match the product on the Greenbook.

    10–15 s
    OUTSIDE08/27INSIDE08/27= MATCH

    Dates and batch match

    Expiry not passed. Manufacture date before expiry. The carton's batch and expiry must match the blister or bottle inside. A sticker over the date = walk away.

    15–20 s

    Seal and blister intact

    Bottle seal unbroken; carton not re-glued; no torn, punched or empty pockets in the blister. Broken seal = don't take it.

    20–25 s
    PARACETAMAL

    Print, spelling and the pills

    Blurry print, odd colours and spelling errors are the commonest giveaway. Tablets crumbling, discoloured or smelling strange? Stop. Syrup cloudy or with particles? Stop.

    25–30 s
    GENUINE

    Scratch, text, confirm

    Antimalarials and antibiotics carry a scratch panel. Scratch, text the PIN free to the code on it, wait for "genuine". Then search the Greenbook.

    Game · test your eyes

    Spot the fake. 12 warning signs. 30 seconds.

    This made-up pack has 12 warning signs. Tap each one you find. Find 8 to pass, then share your score and challenge your family group.

    MK PARACETAMAL 500mg 20 Tablets · For relief of pain and fever NAFDAC REG: 123456 BATCH: MK2201 · EXP: 13/2027 Mfd by: Medikay Pharma Ltd. Keep out of reach of chidren. Store below 30°C. ₦150for 10 cards! BATCH MK2201 · EXP 03/2026 WHERE YOU BOUGHT IT🚌 Motor-park hawker, no receipt
    Your score
    0found / 12
    30seconds

      What the regulators actually say

      NAFDAC's rules, in plain English.

      NAFDAC's 4 Ps

      • Place: buy only from reputable, licensed pharmacies and retailers.
      • Price: beware of products sold far below the normal price.
      • Packaging: poor quality, spelling mistakes, odd bottle shapes, no maker's address.
      • Product: strange smells (like paint stripper or nail-polish remover) mean danger.
      NAFDAC DG Prof. Mojisola Adeyeye, Jan 2024 · BusinessDay

      Check before you buy

      • Always look for the NAFDAC registration number before purchase.
      • Compare how the medicine looks with what you used before.
      • Cross-check the date markings.
      • Don't buy medicines on the internet.
      NAFDAC · Curbing substandard & falsified medicines

      World Health Organization

      • Check the packaging for damage, spelling and grammar errors.
      • Dates and batch on the outer pack must match the inner pack.
      • The medicine should not be discoloured, degraded or smell unusual.
      • Security seals intact, leaflet inside.
      • Not working, or a strange reaction? Tell your pharmacist or doctor.
      WHO · Advice to patients and consumers

      Scratch code (MAS)

      Since January 2012, antimalarials and antibiotics carry a scratch panel. Scratch it, then text the one-time PIN free to the short code printed on it:

      Sproxil38353
      PharmaSecure38351
      Savanté38120
      UBQ-t / Kezzler20966
      mPedigree1393
      Always use the code printed on your own label · NAFDAC MAS

      The Greenbook

      • NAFDAC's official database of registered medicines, launched March 2025.
      • Search by product name, active ingredient, NAFDAC Reg. No. or company.
      • Listed = registered. It does not prove the pack in your hand came from the real maker, so do the pack checks too.
      greenbook.nafdac.gov.ng · Android app

      "Shine your eyes"

      • Buy from a registered pharmacy with a licensed pharmacist.
      • Ask questions and insist on seeing the pharmacist.
      • Fake medicine is "double jeopardy": you lose your money and your health gets worse.
      Pharm. Dr. Lolu Ojo, Merit Healthcare · Channels TV, Sept 2025
      "It has a NAFDAC number, so it's original."Fakers copy real numbers. The number must match this exact product on the Greenbook, and the pack must pass the other checks.
      "It's in the Greenbook, so this pack is safe."The Greenbook confirms the product is registered. It can't see the pack in your hand. Scratch code, seal and source still matter.
      "Expensive means genuine."Fakers copy expensive brands too. A price far below normal is the warning sign. A normal price proves nothing.
      "Market drugs are the same, just cheaper."Sun, heat, no traceability and no pharmacist. If something goes wrong, there's no receipt and no one to report.
      "Syrup is safer for children."Syrups and powders are the easiest to contaminate. "My Pikin" teething mixture killed 84 Nigerian children in 2008 because it contained an antifreeze chemical.

      Step 2 · buy from people you can trust

      Trusted pharmacies near you.

      Type your state, city and area, for example Edo · Benin City · Uselu. We search public map listings and rank each place by its reviews, how many people reviewed it, and whether it lists a phone number and opening hours. These results aren't limited to one HMO's list. Then confirm the premises licence with the Pharmacy Council of Nigeria (PCN).

      Pharmacy or chemist? Know the difference

      A pharmacy has a registered pharmacist and can dispense prescription medicines. A patent and proprietary medicine vendor (PPMV, or "chemist") is licensed by the PCN to sell only simple over-the-counter medicines. For antibiotics, injections, insulin, BP or sugar medicines, go to a pharmacy.

      ✔ Verify a pharmacy or pharmacist on PCN

      What a good pharmacy looks like

      👩🏾‍⚕️ A pharmacist is on duty, and will come out when you ask
      📜 PCN premises licence displayed
      🧾 Gives a receipt with the shop's name
      🌡️ Medicines kept out of the sun; fridge for insulin
      ❓ Asks you questions before selling antibiotics
      📦 Sells full, sealed packs, not loose tablets in paper

      Know a pharmacy that does it right?

      Recommend it. We check community suggestions before featuring any of them.

      Step 3 · something is wrong

      Report it. One report can save a whole street.

      Keep the pack, the leaflet and the receipt. Don't throw them away and don't take the medicine. Then use any of NAFDAC's channels:

      📞0800-1-623322NAFDAC toll-free complaints line (0800-1-NAFDAC) ✉️SMS 20543PRASCOR: free text to report a fake or a bad reaction, all networks 🛡️Med SafetyReport a substandard or falsified medicine online (nafdac.medsafety.io) 📧Email NAFDACreforms@nafdac.gov.ng · or walk in to any NAFDAC office

      Build my report in 1 minute

      We put the details into one clear message you can send to NAFDAC by SMS, email or Med Safety. A copy helps us map where fakes are turning up.

      Straight from NAFDAC

      Latest NAFDAC alerts and recalls.

      If your medicine's name or batch appears in an alert, stop using it and report it. The list refreshes from NAFDAC's public alerts page.

        Source: nafdac.gov.ng · Recalls and Alerts

        Watch · read · share

        Learn from the people fighting fakes.

        No woman like Dora.

        Prof. Dora Akunyili led NAFDAC from 2001 to 2008. She lost her sister to fake diabetes medicine in 1988. In December 2003 gunmen shot at her car, and a bullet pierced her headscarf. She did not stop. Read her story (ICIR)

        Join the fight

        I check before I swallow.

        Take the pledge, then share this page with one family WhatsApp group. Fakers depend on us not checking.

        ✊🏾
        Share on WhatsApp
        Azuka Orumgbe

        Why I built this

        This is my corporate social responsibility: helping Nigerians check before they swallow.

        I'm Azuka Orumgbe. I work in health insurance, and I've watched families pay twice: once for the sickness and again for a medicine that didn't work. This tool is free for everyone, whether you have an HMO or not. If you're unsure about a pack, send me a photo on WhatsApp and I'll help you work out the next step. And if you want medicine you don't have to worry about, cover you, your parents or your staff through accredited pharmacies.

        💬 WhatsApp Azuka👩🏾‍⚕️ Talk to a doctor · ₦3,500/yrSee health plans
        Can a photo prove my medicine is genuine?

        No, and any app that says it can is overselling. A photo can show warning signs: spelling errors, a wrong NAFDAC number format, dates that don't match, a broken seal. Confirmation comes from NAFDAC: the Greenbook, the scratch-code reply, and lab testing when a report is investigated.

        Are my photos stored?

        No. They're shrunk on your phone, read once to pull out the printed details, then discarded. Don't photograph prescriptions with names or ID numbers on them.

        Where does the pharmacy list come from?

        Public map listings (Google Maps, or OpenStreetMap when Google isn't available) and their public reviews. "Trust signals" are based on reviews and listing details. They are not a licence check, so always verify the premises with the PCN.

        Is this run by NAFDAC?

        No. WellnessOS is an independent, free public-health tool built by Azuka Orumgbe. It follows NAFDAC's and WHO's published consumer guidance and links you to NAFDAC's own tools and reporting channels.

        I already took a medicine I now think is fake. What do I do?

        Stop taking it, keep the pack, and talk to a doctor or pharmacist about how you feel. If you have a severe reaction (trouble breathing, swelling, fainting, fits), go to the nearest emergency room or call 112. Then report it to NAFDAC.

        Will my HMO pay for this medicine?

        Type the medicine or what it treats. We match it to how Clearline plans usually handle that class of drug.

        From the Clearline provider schedule (August 2026). Hospitals change status; always call the facility or Enrollee Care before you travel. Bands: A is the widest access, D the most basic — your plan decides which bands you can use.

        What to do at the hospital desk

        1. Show your Clearline ID card or e-card

          ID looks like CL/COMPANY/0000/2026-A. Ask: "Are you active with Clearline today?"

        2. Ask them to send the PA request now

          Our escalation data shows the commonest reason members wait: the hospital never sends the authorisation request to Clearline.

        3. Start a 30-minute clock

          No code after 30 minutes? Call Enrollee Care yourself with the hospital's name.

        4. Don't pay cash for covered care

          Unless it's an emergency. Emergency treatment never waits for paperwork.

        Say this, word for word

        "Good day. I am a ClearlineHMO enrollee. Please send my pre-authorisation request to Clearline now through the provider portal, so they can issue the PA code. If you need the number, it is 0700 245 245 245."

        Still waiting? Escalate

        Send escalation on WhatsApp

        Opens WhatsApp with the message written. Add your enrollee ID there yourself — we never store it.

        Home / Cover The Ones

        Your future has plans. Protect the person living it.

        Tell us who you're covering. In 60 seconds you'll see the plan that fits, what it costs in 2026, and what it does not cover.

        Ready to enrol?

        Register online in 1 minute and download your invoice, or ask Azuka for a quote on WhatsApp. Payment goes only to Clearline International Limited's company account — never to a person.

        Register & get my invoiceQuote on WhatsApp
        Save to Cover: a gold savings pot filling with naira coins beside the Lagos skyline at nightCOMING SOON

        Save to Cover

        Pay for a ClearlineHMO plan from ₦1,000 a day. Try it and reserve your spot →

        Free: Cover The Ones 2026 Playbook

        16 pages: what to do when a hospital says "deposit first", nine questions that separate real cover from theatre, every 2026 price and limit, and how to choose.

        Get the playbook

        2026 prices, side by side.

        Per person, per year. Waiting periods and exclusions apply to every plan — read them before you pay.

        Download any benefit package.

        Every 2026 ClearlineHMO plan, as a PDF you can save or send on WhatsApp. Ready? Tap Register to get your invoice.

        Home / Plans / Register

        Register and get your invoice in 1 minute.

        Choose a plan, add your details, and download your invoice. Pay by bank transfer into Clearline's company account. Then send your proof on WhatsApp.

        • ✅ NHIA-accredited
        • 🏥 2,109+ hospitals
        • 📅 Since 1994
        • 🔒 Company account only

        Home / Ask WellnessOS

        Ask anything about care, cover or cost.

        A guide that answers in plain words and sends you to the right tool or person. It does not diagnose.

        Home / FAQ

        Frequently asked questions.

        About the tools, telemedicine, Clearline cover and your data.

        Home / Find us

        Find Clearline, or a hospital near you.

        Clearline House, 290 Ikorodu Road, Anthony, Lagos. For the nearest hospital that accepts your card, use the hospital finder.

        The map loads from Google Maps.

        ClearlineHMO head office

        Clearline House, 290 Ikorodu Road, Anthony, Lagos.
        Mon–Fri, office hours. Enrollee Care runs 24/7 by phone.

        Get directions Call 0700 245 245 245

        Corporate partnerships · Benin, Lagos and the South-South

        Azuka Orumgbe · o.azuka@clearlinehmo.com

        0806 838 71280811 579 8092

        Find a hospital near me

        Home / Privacy

        Privacy policy.

        Plain words. Updated 1 October 2026.

        Who we are. WellnessOS is built by Azuka Orumgbe, Corporate Partnerships, ClearlineHMO (Clearline International Limited, RC 493596, NHIA code 003), Clearline House, 290 Ikorodu Road, Anthony, Lagos. We process personal data under the Nigeria Data Protection Act 2023.

        The tools collect nothing by default. Calculators, the coverage checker, the drug check and the hospital finder run in your browser. Your answers are not sent to us. Some tools remember your progress on your own device; clear your browser storage to remove it.

        When you send us something. If you submit the report form, the consultation form or a quote request, we receive what you typed (name, phone, email, who you're covering, and for consultations a short reason). We use it only to answer that request. Forms are stored by our host, Netlify. Consultation details are shared only with the care team handling your consultation.

        Video consultations. Rooms run on Jitsi Meet (8x8), open in a separate tab and are encrypted in transit. We do not record calls. Anyone with the link can ask to join, so share it only with the care team.

        The chat guide. If the live AI is switched on, your chat message is sent through our server to an AI provider (Anthropic or OpenAI) to write a reply and is not used by us for anything else. Do not type ID numbers, diagnoses or test results. If the live AI is unavailable, answers come from a guide built into the page and nothing leaves your device.

        WhatsApp. Buttons that open WhatsApp write a message for you. Nothing is sent until you press send.

        Measurement. We use the Meta Pixel (Facebook and Instagram) to count visits and sign-ups that come from our adverts. It never receives health answers, uploaded photos, test results, ID numbers or payment details. Tap Turn off on the notice at the bottom of the page and it stops for this browser; everything else still works.

        Health data. We do not ask for diagnoses, test results or enrollee IDs in any form. Please don't include them.

        Your rights. Ask what we hold, correct it, or delete it: o.azuka@clearlinehmo.com or WhatsApp 0806 838 7128. We act within 30 days. You may also complain to the Nigeria Data Protection Commission.

        Retention. Form submissions are kept for up to 12 months after your last contact, then deleted.

        Not medical advice. WellnessOS gives health education and navigation. It does not diagnose or treat. In an emergency call 112.

        Received. Thank you.

        Azuka will reply on WhatsApp within one working day.

        Clearline Enrollee AssistCheck cover, medicines and hospitals. The ₦800,000 questionRun your hospital-bill exposure. Find My HMO33 questions, one smarter match.

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        The link may be old. Travel insurance and visa health rules are at /travel/; everything else is one tap away.

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