Deposit first? Plan first.
₦1,000 a day.84 days.Covered.
You don't need ₦84,000 in your account. You need ₦1,000 and 84 mornings. Drop it into your kolo inside WellnessOS, and a real ClearlineHMO plan fills up, one day at a time. When it's full, your ID card comes out.
Each coin is one week at ₦1,000 a day.
Is this you?
If any of these is true, keep reading.
The problem
It's 1:47am. The nurse says: "Deposit first."
Most of us think the problem is that we don't have money. That's not it. The money comes in small pieces: a sale here, a trip there, a transfer from home. The hospital wants it in one lump, at the worst possible moment.
Today
at once, or nothing. So most people choose nothing, until the night they can't.
Save to Cover
The same plan, fully paid in 84 days. The same price. ₦0 extra.
Same ₦1,000 a day. Two endings.
Slide through the next 110 days. Then press "Someone is sick tonight".
Path A · Keep it in your pocket
₦0
left in your pocket
Path B · Drop it in the kolo
₦0
paid toward Clear Value
Path A assumes daily money gets used for daily things, as it usually does. Path B is Clear Value at ₦1,000 a day: fully paid on day 84, ID card within 5 working days, then the 14-day waiting period.
30 seconds
Find my kolo.
Four taps. You get the right plan, your daily amount, the day you'll be fully paid and the day care starts.
What you're paying for
Every benefit. Every exclusion. Before you pay ₦1.
No surprises at the hospital. Members see this table before they start and on their home screen.
Why you can trust this
Your money goes to a 30-year-old HMO, not an app that appeared last month.
Five promises we can keep
What we will never do
Where's my money? Live example
Who it's for
Four people. One habit.
Example members, showing the four ways people will use it.
Try the numbers
The kolo machine.
Pick a plan and an amount from ₦1,000 to ₦5,000 a day. See when it's fully paid and when care starts.
ClearlineHMO retail 2026 prices. Waiting periods and exclusions follow each plan's normal terms. The refund rule is a proposal for Legal.
Picture it
Your next 84 days.
₦1,000 a day, starting with KiaKia. This is what the road looks like.
How it works
Four steps. No new bank.
Pick who and which plan
Me, family, parents or my team. KiaKia to Clear Elite. See every benefit first.
WELLNESSOS · after a free health tool
Get your reference
Like S2C-4F7K2Q. It goes in the transfer narration so every naira finds you.
MEMBER APP
Transfer from any bank app
₦1,000 to ₦5,000 a day into Clearline's official account.
CLEARLINE'S OWN ACCOUNT
Fully paid, then covered
Receipt for every payment. ID card within 5 working days of full payment.
FINANCE → OPERATIONS
Built into WellnessOS
Salt. Thirst. Water.
WellnessOS gives away tools that show people their risk (Salt) and habits that make them want a plan (Thirst). Save to Cover is the Water: the first paid step anyone can afford. Every card below opens the real tool on wellnessos.com.ng.
Questions
What people will ask
Don't wait for the hospital gate.
Start with ₦1,000 today. In 4 days you can talk to a doctor any time. In 84 more, you could be holding a ClearlineHMO card instead of a deposit slip.
Your road to care
Day 1—. Care starts when you reach the end.
Next payment
₦1,000 today
Cover starts
When fully paid, plus the waiting period.
Last 28 days. Green means paid.
What am I paying for?
Benefits, limits, waiting periods and exclusions.
Free on WellnessOS, today
Use these while your kolo fills.
Hospitals near you
Unlocked as you go
All free WellnessOS tools. Your plan benefits start at cover.
Demo only. Press and hold to see what happens when a payment lands. No money moves.
Charges
Clearline charges nothing to pay in. Your bank may charge its normal transfer fee (often ₦10–₦50). Overpayments stay as credit toward your next plan.
Share your kolo
Anyone, in Nigeria or abroad, can pay toward your plan with your reference. Every chip-in shows here with their name.
Chip-ins
Cover someone else too
Start a second kolo for a parent (Clear Elite) or a child. Each plan has its own reference.
Oba Market Circle
Up to 10 people. Each person pays their own plan. No money is pooled.
This week
WhatsApp assistant
Members can check their plan without opening the app.
Receipts
Change my plan
Show your people
A colourful progress card for your WhatsApp status. Family can chip in with your reference.
A storybook for members, staff and management
Cover The Ones.
Flip through it with the arrows, the dots or your keyboard. Every page ends at the same place: your first payment.
Reserve my spot.
Be first when Save to Cover opens on WellnessOS. Tell us who you'd cover and what you could drop each day. It takes 30 seconds.
- Free. No payment, no commitment
- WhatsApp message the day it opens
- Your answers shape how we launch it