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Frequently Asked Questions

If you are interested in buying health insurance for your company, please visit to request a quote or call 08038104705

You can also always connect with Kennedia care center agent who will be happy to help you purchase insurance. To do so;


Telephone: 08038104705

WhatsApp :08038104705

Twitter: @kennediahmo

Kennediahmo insurance starts instantly as soon as you pay and fill the enrollment form you can start using your insurance immediately. We will send you a notification confirming your policy start date

The contract of coverage is usually for one year from your start date unless otherwise stated in the policy document.

Yes. You can add more benefits to your cover but at an additional premium. You cannot remove benefits.

Similarly, you can only upgrade to a higher health plan. You cannot change to a lower plan.

A health plan upgrade can take place at any time during the year of coverage.

First, an individual cover is not entitled to a waiver of pre-enrolment medical examination. Secondly, the benefits of chronic medication and HIV management are not covered under individual plans at the quoted premium. An additional premium might be required.

You have group coverage if you were enrolled as a member of an organization or company with at least 10 principal insured persons.

You have individual coverage if you enrolled as a person or as a single-family.

See Exclusions List below

No, you will not get a refund. However, you will be entitled to a good discount if you wish to renew the policy for another year. It is good to remember that illness is often an unforeseen event and one may never know when a health insurance cover will be immensely useful

Each health plan has a medical limit which is approximately seven times the premium paid (see your health policy document). You will not be required to make any refunds if you do not exceed your limit.

When you utilize up to your medical limit before the expiration of your policy, you will be expected to pay for all subsequent services accessed for the remaining duration of your cover.

For covered services under most of the health plans, the answer is no. However, if a co-payment or deductible applies, you would be duly informed at the time of your application.

For non-covered services that you request for, the Provider may ask you to pay out-of-pocket.

You can see a specialist doctor, like a paediatrician or dental surgeon, at any time but through a referral by your Primary Care Provider. He/she decides whether you need specialist attention and subsequently facilitates the process.

For further clarification, please contact Kennedia care center agent.

You will be expected to apply for a new membership card. Your application should state your name, the health plan you are currently subscribed to, and your primary care provider. It must be accompanied by an affidavit of loss and a recent passport photo.

You will also be required to pay a processing fee.

You are encouraged to always carry your card in your wallet/purse. If you forget your card, you can be able to access care at your primary care provider’s (PCP).When you say your name and HMO, the PCP front desk will identify you using a photo form in their records.

Unfortunately, apart from your PCP, you may not be able to access care anywhere else under the scheme without your membership ID card.

No. Your membership ID card bears your photo and will not give access to care to anyone that does not match the photo. This is the reason every member of a subscribing family is issued a personal identity card.

Yes, but you will need to have spent at least 3 months with the provider to be eligible to change.

You may be required to furnish reasons for change. Where the decision is due to dissatisfaction, a formal complaint would have been lodged with a client service agent at least one month prior to the application for change.

The change if approved will take effect from the 1st day of the month succeeding the month of application.

Yes! Every enrolee is entitled to one provider. However, if members of the family reside in different locations, you can choose a different provider for them.

Yes! However, this is dependent on your chosen plan.

We have five basic health plans namely Peal, Sapphire, Emerald, Ruby and Diamond, we are open to customization of plans based on your peculiar health needs.

Yes, you can! With our carefully developed health plans, we are confident that our services will meet and surpass your needs, however, in the event that you change your mind, you can contact us via your relationship manager for further discussions.