Start with who needs cover. For yourself or your family (ages 0–75) with no pre-existing condition: KiaKia (₦3,500, telemedicine), Clear Value (₦84,000, Band C–D hospitals) or Clear Advantage (₦250,000, Band B–D and a semi-private ward). For anyone already on medication for a condition, or a parent aged 50–75: Clear Elite (₦600,000, up to ₦3m a year), which covers pre-existing conditions from day one. For 11–29 staff: Bronze or Silver SME. For 30+ staff: the corporate tiers. From abroad: Diaspora Individual or Group. The Health Budget Planner on this site recommends a mix from your own numbers.

2026 prices per person per year: KiaKia ₦3,500; Clear Value ₦84,000; Clear Advantage ₦250,000; Clear Elite ₦600,000; Diaspora Individual ₦288,000; Diaspora Group from ₦93,870. SME: Bronze ₦84,000, Silver ₦108,000 per staff. Corporate: from ₦61,525 (Bronze) to ₦678,500 (Platinum Plus) per staff; Superb ₦40,000 for 500+ lives.

Yes. On retail plans each person is priced separately and the maximum family size is six. You can add up to five family members in the online registration. If you're employed, ask your employer first; company family premiums often cost less per head.

Yes. Clear Elite was created principally for people with pre-existing or chronic conditions, for anyone aged 0 to 75, subject to underwriting. Care for the condition you already have can start the day cover begins. On Clear Value and Clear Advantage, pre-existing conditions are not covered: if you are taking medication for, say, hypertension when you join, those drugs are not covered until one year has passed, although other care you did not have before, including normal hospital admission, is covered after the 14-day waiting period.

A pregnancy that has already started when you buy is treated as pre-existing, so Clear Value and Clear Advantage will not cover it. The strongest maternity cover (₦200,000 to ₦650,000 including caesarean) is on company plans. If you or your spouse is employed, ask the employer first, and talk to Azuka before you pay so you know exactly what is and isn't covered.

Yes. Clear Elite is the plan most families choose for a parent aged 50–75, and it covers conditions they already have (like high blood pressure) from day one, subject to underwriting: 24 specialist types, CT and MRI, private-ward admission up to 30 days, surgery up to ₦500,000 and a global limit up to ₦3,000,000 a year. Choose "A parent 50–75" in registration.

Start with who needs cover. For yourself or your family (ages 0–75) with no pre-existing condition: KiaKia (₦3,500, telemedicine), Clear Value (₦84,000, Band C–D hospitals) or Clear Advantage (₦250,000, Band B–D and a semi-private ward). For anyone already on medication for a condition, or a parent aged 50–75: Clear Elite (₦600,000, up to ₦3m a year), which covers pre-existing conditions from day one. For 11–29 staff: Bronze or Silver SME. For 30+ staff: the corporate tiers. From abroad: Diaspora Individual or Group. The Health Budget Planner on this site recommends a mix from your own numbers.

2026 prices per person per year: KiaKia ₦3,500; Clear Value ₦84,000; Clear Advantage ₦250,000; Clear Elite ₦600,000; Diaspora Individual ₦288,000; Diaspora Group from ₦93,870. SME: Bronze ₦84,000, Silver ₦108,000 per staff. Corporate: from ₦61,525 (Bronze) to ₦678,500 (Platinum Plus) per staff; Superb ₦40,000 for 500+ lives.

Yes. On retail plans each person is priced separately and the maximum family size is six. You can add up to five family members in the online registration. If you're employed, ask your employer first; company family premiums often cost less per head.

Yes. Clear Elite was created principally for people with pre-existing or chronic conditions, for anyone aged 0 to 75, subject to underwriting. Care for the condition you already have can start the day cover begins. On Clear Value and Clear Advantage, pre-existing conditions are not covered: if you are taking medication for, say, hypertension when you join, those drugs are not covered until one year has passed, although other care you did not have before, including normal hospital admission, is covered after the 14-day waiting period.

A pregnancy that has already started when you buy is treated as pre-existing, so Clear Value and Clear Advantage will not cover it. The strongest maternity cover (₦200,000 to ₦650,000 including caesarean) is on company plans. If you or your spouse is employed, ask the employer first, and talk to Azuka before you pay so you know exactly what is and isn't covered.

Yes. Clear Elite is the plan most families choose for a parent aged 50–75, and it covers conditions they already have (like high blood pressure) from day one, subject to underwriting: 24 specialist types, CT and MRI, private-ward admission up to 30 days, surgery up to ₦500,000 and a global limit up to ₦3,000,000 a year. Choose "A parent 50–75" in registration.

Yes. Register as the sponsor, add the person's details in Nigeria, and pay into the official Clearline account. Diaspora Individual suits one person; Diaspora Group suits 11 or more people, such as an extended family or association. For a parent aged 50–75, compare Clear Elite.

Under the National Health Insurance Authority Act 2022, health insurance is mandatory in Nigeria, and employers with five or more staff are expected to provide cover. SME plans suit 11–29 staff; corporate tiers start at 30 enrollees.

Yes. Clear Value and Clear Advantage have a 14-day waiting period; surgeries become accessible after 12 months; optical, dental and chronic medication for new conditions after 3 months; and drugs for a condition you already had are not covered until 12 months have passed. Clear Elite covers pre-existing conditions from the day cover begins; its other benefits follow its own schedule (admissions and minor surgery from quarter 1, dental and physiotherapy in quarter 2, eye care in quarter 3, intermediate surgery in quarter 4).

Every plan has exclusions. On Clear Value and Clear Advantage these include pre-existing conditions (including a pregnancy already underway). Others include cosmetic surgery, home and domiciliary care, self-inflicted injuries, transplant surgery, obesity treatment and virility drugs, subject to the policy terms. Always read the official benefit schedule before you pay.

Clearline providers sit in tariff bands (A–D). A band is a price level, not a quality grade. Clear Value uses Band C–D; Clear Advantage uses Band B–D; higher corporate tiers reach further. Use the hospital finder to check the band of the hospital you'd actually want.

Yes. Download the free ClearlineHMO Community Health Programme 2026 from the Free books page. It costs three options for 100 to 2,000 members, lists hospitals in Lagos, Abuja, every major city and rural towns, and includes a group registration form. Azuka then prepares a written costing for your group.

Yes. Search 2,000+ provider records by state, city, type and band on this site, get directions, and choose one as your preferred hospital in registration. Azuka confirms the hospital route before you pay.

No payment is needed to register. After Azuka confirms your plan and hospital, pay only into the official company account: Polaris Bank, Clearline International Limited, 1771104431. Never pay into a personal account, and keep your receipt.

Member IDs and policy documents usually follow within 5 working days of confirmed payment. Waiting periods then apply.

Show your member ID at the HMO desk. For anything beyond a basic consultation, the hospital requests an authorisation (PA) code from Clearline. If you're kept waiting, ask whether the request has been sent and call the contact centre on 0700 245 245 245. If you enrolled through Azuka, WhatsApp him too.

For covered care, say: "I'm a Clearline member. Here's my ID. Please send the authorisation request now." Then call 0700 245 245 245. In a genuine emergency, life comes first: get the patient stabilised, then sort out the paperwork.

Under the Nigeria Tax Act 2025, staff-welfare premiums are generally deductible expenses for companies that pay company income tax. At 30%, every ₦100 of premium can reduce tax by about ₦30. Small companies may be exempt. Confirm with your tax adviser.

Your details are used only for enrolment, underwriting and claims, and are never sold. The planner runs on your device. Optional measurement is off unless you allow it, and medical, ID and payment details are never used for measurement. See the privacy notice.