FAQs
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Frequently Asked Question
Find quick answers about your health coverage, enrollment process, and how to access care across our nationwide network.
How do I choose the right health plan?
We offer tailored plans for every need. Choose GIFSHIP for individuals and families, TeamCare for corporate groups, or GoldenCare for retirees. You can compare benefits directly on our “Plans” page.
What is covered under the standard benefit package?
Our standard coverage includes general consultations, prescribed drugs, maternity care (up to four live births), surgeries, and preventive services like immunizations and health education.
How do I find an accredited hospital near me?
Use our “Provider Search” tool to find facilities by State, LGA, or Specialty. We have a network of accredited providers covering all 36 states and the FCT.
What should I do in a medical emergency?
Proceed to the nearest accredited facility immediately. For road traffic injuries or critical referrals, call our 24/7 emergency helpline for instant coordination and support.
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States Covered
Emergency Support
NHIA Compliant
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Accredited Providers
24/7 Member Support
Need urgent care or authorization? Our dedicated support team is available 24/7 to coordinate referrals and manage emergency responses.
The 5-Step Process
Enrolment
Member selects plan & provider.
Accessing Care
Present ID & request authorization.
Care Coordination
Referrals & admissions.
Claims & Payment
e-claims settlement.
Support
24/7 helpline &
feedback.
FHML is a National HMO dedicated to delivering accessible, high-quality, and transparent healthcare. We coordinate care for healthier lives and safer roads across Nigeria.
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Our Services
- Individual & Family Plans
- Corporate & Team Care
- Retiree & Special Care
- Tertiary Institution Care
- State & Agency Support
- Wellness & Prevention
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