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SIGNUP

By accessing and using this service, you accept and agree to be bound by the terms and provision of this agreement. In addition, when using any of the services, you shall be subjected to any posted guidelines or rules applicable to such service. Any participation in this service will constitute acceptance of this agreement. If you do not agree to abide by the above, please do not use this service.

Privacy Policy

HELPMEWAKA.com collects your personal information online that is voluntarily provided to us by you. If you choose to register online, we ask you to provide limited personal information, such as your name, address, telephone number and email address. We also collect information that will allow you to establish a username and password .

Internal Uses

We may use your personal information within HELPMEWAKA.com: (1) to provide you with the services and products you request (2) to answer questions about our services; billing, payment methods or use of our website; (3) to process or collect payments for our services, (4) to conduct customer surveys; and (5) to contact you about the products and services that we offer.

Disclosure of Personal Information to Third Parties

We will not disclose any personal information to any third party (excluding our contractors to whom we may provide such information for the limited purpose of providing services to us and who are obligated to keep the information confidential), unless (1) you have authorized us to do so; (2) we are legally required to do so, for example, in response to a subpoena, court order or other legal process and/or, (3) it is necessary to protect our property rights related to this website. We also may share aggregate, nonpersonal information about website usage with unaffiliated third parties. This aggregate information does not contain any personal information about our users.

Disclaimer

All of the content contained on the HELPMEWAKA.com is edited, checked, and verified for accuracy as much as it is possible to do so. This site shall not therefore be responsible or liable for the accuracy, usefulness or availability of any information transmitted or made available via the site and shall not be responsible or liable for any error or omissions therein.

Usage

Helpmewaka would only be used for legal tasks. Our sites strictly prohibits its use for criminal and illegal activities. Such occurrences would at once be reported to the necessary authorities as soon as possible.

Copyrights

Unless otherwise stated, HELPMEWAKA.com website and its original content, features, and functionality are owned by HMW1 LLC., its partners and its licensors and are protected by international copyright, trademark, patent, trade secrets, and the relevant intellectual property rights laws.

Subject to the license above, all these intellectual property rights are reserved.

You may view, download for caching purposes only, and print pages or other contents from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.

You must not:

Republish material from this website (including republication on another website)
Sell, rent or sub-license material from the website
Show any material from the website in public
Reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose
Edit or otherwise modify any material on the website
Redistribute material from this website except for content specifically and expressly made available for redistribution
Where content is specifically made available for redistribution, it may only be redistributed within your organization.

Advertiser Relationships

Our Service may contain links to third-party websites or services that are not owned or controlled by HELPMEWAKA company. Helpmewaka.com has no control over, and assumes no responsibility for the content, privacy , policies or practices of any third party web sites or services. You further acknowledge and agree that HELPMEWAKA company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such websites or services.

Limitations of Liability

HELPMEWAKA Company will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website: To the extent that the website is provided free-of-charge, for any direct loss; for any indirect, special or consequential loss; or for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.

These limitations of liability apply even if HELPMEWAKA Company has been expressly advised of the potential loss.

Exceptions

Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; and nothing in this website disclaimer will exclude or limit HELPMEWAKA Company’s liability in respect of any:

death or personal injury caused by the company’s negligence;
fraud or fraudulent misrepresentation on the part of the company; or
matter which it would be illegal or unlawful for the company to exclude or limit, or to attempt or purport to exclude or limit, its liability.

Termination Clause

We may terminate your access to the Site, without cause or notice, which may result in the forfeiture and destruction of all information associated with your account. All provisions of this Agreement that, by their nature, should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Notification Clause

The company reserves the right to change these conditions from time to time as it sees fit and your continued use of the site will signify your acceptance of any adjustment to these terms. If there are any changes to our privacy policy, we will announce that these changes have been made on our home page and on other key pages on our site. If there are any changes in how we use our site customers'

Personally Identifiable Information, notification by email or postal mail will be made to those affected by the change. Any changes to our privacy policy will be posted on our site 30 days prior to these changes taking place. You are therefore advised to re-read this statement on a regular basis.

Laws and Jurisdictions

These terms and conditions will be governed by and construed in accordance with the governing laws in the United States of America and any disputes relating to these terms and conditions will be subject to the exclusive jurisdiction of the courts of Maryland, USA where HELPMEWAKA is registered.

These Terms and Conditions are only applicable to HELPMEWAKA Company a subsidiary of HMW1 LLC.

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Necessary (Always Active)

REGION OF COVER	Nigeria
PROVIDER TYPE	Standard Network
OUT-PATIENT BENEFIT
GP Consultations at chosen accredited primary care provider including investigations, Basic Imaging (X Ray & USS) nursing care and prescribed medications	Covered
Acute care benefits including out-of-network care	Covered
Minor Surgeries	Covered
Annual physical in your doctor room	Covered
SPECIALIST CONSULTATION
Consultation with common specialist (Gynecologists, Obstetrician, General Surgeon, Pediatrician, ENT Surgeon, Family Physician, Cardiologist)	Covered up to 8 visits a year
Consultation with Rare Specialists- Neurosurgeon, Endocrinologist, Rheumatologist, Nephrologist etc.
CHRONIC DISEASE MANAGEMENT
Prescribed Medications (after 12mths on the scheme)	Up to N70,000 per Year
PREVENTIVE & HEALTH PROMOTION BENEFIT
Routine medical Screening	Covered
Comprehensive Annual Medical screening at designated facilities:	Not Covered
UNDER FIVE IMMUNIZATION BENEFIT
NPI-approved Immunization limited to BCG, OPV, HEPATITIS B, DPT, HEAMOPHILLUS INFLUENZA B, MEASLES, YELLOW FEVER	Covered
Non-NPI Immunization limited to ROTAVIRUS, PNEUMOCOCCAL, CHICKEN POX, TYPHOID FEVER, MENINGITIS	Not Covered
MAJOR DISEASE CONDITION BENEFITS
Surgical Procedures (Intermediate & Major)	Up to N150,000 Limit
Cancer care limited to diagnosis, radiotherapy & chemotherapy	Not Covered
REPRODUCTIVE HEALTH BENEFIT
Family Planning including IUCDS, INJECTABLES, ORAL CONTRACEPTIVES, NORPLANT(after 12months on the scheme)	Up to N15,000 per Year
Infertility limited to diagnosis & prescribed medications	Not Covered
MATERNITY BENEFITS: (Family Plan holders only after 12mths)
Ante-natal care at registered network provider	Up to N150,000 Limit
Normal Delivery including Post-Partum Care
Operative Delivery including Post-partum care
Medical Conditions during Pregnancy	Covered
Complications from Pregnancy & Childbirth	Covered

IN-PATIENT BENEFIT
Ward admission & Feeding	Private Ward up to 15 days per year
Laboratory investigations, Nursing care, dressing & prescribed medications	Covered
Specialist Review	Covered up to specialist consult limit stated above
PAEDIATRIC CARE (FAMILY PLAN HOLDER ONLY)
Consultation with Neonatologist & pediatrician	Covered up to 2 consults max
Neonatal care including Phototherapy & Incubator care	Up to 24hrs a year
Exchange blood transfusion	covered up to N35,000
ACCIDENT & EMERGENCY BENEFIT
Nationwide Emergency evacuation, Emergency room care including consultations, investigations, surgical intervention & prescribed medications to stabilize patient in Emergency room only	Up to N100,00 Limit
EYE CARE BENEFIT
Consultation with Optician including test, Lens & Prescribed Medications	Up to N7,500 Limit
DENTAL CARE BENEFIT
Consultation with Dentist including Dental investigations, pain therapy, simple & surgical extraction, Amalgam filling, Root canal treatment, Gingival treatment & crowning only	Up to 10,000 per Year
ADDITIONAL BENEFITS
Physiotherapy	7 Sessions
Psychiatry assessment & treatment of acute phase up to 2 weeks	Covered
HIV/AIDS Treatment at designated centers	Covered
Specialized Laboratory Studies like Hormonal Assays, D-dimers, Cardiac Enzymes etc.	Covered
Specialized Imaging Studies echocardiogram, IVU, Contrast studies, Doppler Scan etc	Covered
Advanced Radiological Studies CT scan or MRI (once annually)	Limited to CT-Scan
OVERALL LIMIT Per Individual	700,000

REGION OF COVER	Nigeria
PROVIDER TYPE	Enhanced Network
OUT-PATIENT BENEFIT
GP Consultations at chosen accredited primary care provider including investigations, Basic Imaging (X Ray & USS) nursing care and prescribed medications	Covered
Acute care benefits including out-of-network care	Covered
Minor Surgeries	Covered
Annual physical in your doctor room	Covered
SPECIALIST CONSULTATION
Consultation with common specialist (Gynecologists, Obstetrician, General Surgeon, Pediatrician, ENT Surgeon, Family Physician, Cardiologist)	Covered up to 10 visits a year
Consultation with Rare Specialists- Neurosurgeon, Endocrinologist, Rheumatologist, Nephrologist etc.	Covered up to 10 visits a year
CHRONIC DISEASE MANAGEMENT
Prescribed Medications (after 12mths on the scheme)	Up to N90,000 per Year
PREVENTIVE & HEALTH PROMOTION BENEFIT
Routine medical Screening	Covered
Comprehensive Annual Medical screening at designated facilities:	Not Covered
UNDER FIVE IMMUNIZATION BENEFIT
NPI-approved Immunization limited to BCG, OPV, HEPATITIS B, DPT, HEAMOPHILLUS INFLUENZA B, MEASLES, YELLOW FEVER	Covered
Non-NPI Immunization limited to ROTAVIRUS, PNEUMOCOCCAL, CHICKEN POX, TYPHOID FEVER, MENINGITIS	Covered
MAJOR DISEASE CONDITION BENEFITS
Surgical Procedures (Intermediate & Major)	Up to N250,000 limit
Cancer care limited to diagnosis, radiotherapy & chemotherapy	Not Covered
REPRODUCTIVE HEALTH BENEFIT
Family Planning including IUCDS, INJECTABLES, ORAL CONTRACEPTIVES, NORPLANT(after 12months on the scheme)	Up to N20,000 per Year
Infertility limited to diagnosis & prescribed medications	Up to N50,000 per Year
MATERNITY BENEFITS: (Family Plan holders only after 12mths)
Ante-natal care at registered network provider	Up to N200,000 Limit
Normal Delivery including Post-Partum Care
Operative Delivery including Post-partum care
Medical Conditions during Pregnancy	Covered
Complications from Pregnancy & Childbirth	Covered

IN-PATIENT BENEFIT
Ward admission & Feeding	Private ward up to 18 days per year
Laboratory investigations, Nursing care, dressing & prescribed medications	Covered
Specialist Review	Covered up to specialist consult limit stated above
PAEDIATRIC CARE (FAMILY PLAN HOLDER ONLY)
Consultation with Neonatologist & pediatrician	Covered up to 2 consults max
Neonatal care including Phototherapy & Incubator care	Up to 48hrs a year
Exchange blood transfusion	covered up to N50,000
ACCIDENT & EMERGENCY BENEFIT
Nationwide Emergency evacuation, Emergency room care including consultations, investigations, surgical intervention & prescribed medications to stabilize patient in Emergency room only	Up to N150,000 limit
EYE CARE BENEFIT
Consultation with Optician including test, Lens & Prescribed Medications	Up to N10,000 limit
DENTAL CARE BENEFIT
Consultation with Dentist including Dental investigations, pain therapy, simple & surgical extraction, Amalgam filling, Root canal treatment, Gingival treatment & crowning only	Up to N15,000 limit
ADDITIONAL BENEFITS
Physiotherapy	10 sessions
Psychiatry assessment & treatment of acute phase up to 2 weeks	Covered
HIV/AIDS Treatment at designated centers	Covered
Specialized Laboratory Studies like Hormonal Assays, D-dimers, Cardiac Enzymes etc.	Covered
Specialized Imaging Studies echocardiogram, IVU, Contrast studies, Doppler Scan etc	Covered
Advanced Radiological Studies CT scan or MRI (once annually)	Covered
OVERALL LIMIT Per Individual	850,000

REGION OF COVER	Nigeria
PROVIDER TYPE	Standard Network
OUT-PATIENT BENEFIT
GP Consultations at chosen accredited primary care provider including investigations, Basic Imaging (X Ray & USS) nursing care and prescribed medications	Covered
Acute care benefits including out-of-network care	Covered
Minor Surgeries	Covered
Annual physical in your doctor room	Covered
SPECIALIST CONSULTATION
Consultation with common specialist (Gynecologists, Obstetrician, General Surgeon, Pediatrician, ENT Surgeon, Family Physician, Cardiologist)	Covered up to 6 visits a year
Consultation with Rare Specialists- Neurosurgeon, Endocrinologist, Rheumatologist, Nephrologist etc.	Covered up to 6 visits a year
CHRONIC DISEASE MANAGEMENT
Prescribed Medications (after 12mths on the scheme)	Up to N40,000 per Year
PREVENTIVE & HEALTH PROMOTION BENEFIT
Routine medical Screening	Not Covered
Comprehensive Annual Medical screening at designated facilities:	Not Covered
UNDER FIVE IMMUNIZATION BENEFIT
NPI-approved Immunization limited to BCG, OPV, HEPATITIS B, DPT, HEAMOPHILLUS INFLUENZA B, MEASLES, YELLOW FEVER	N/A
Non-NPI Immunization limited to ROTAVIRUS, PNEUMOCOCCAL, CHICKEN POX, TYPHOID FEVER, MENINGITIS	N/A
MAJOR DISEASE CONDITION BENEFITS
Surgical Procedures (Intermediate & Major)	Up to N100,000 limit
Cancer care limited to diagnosis, radiotherapy & chemotherapy	Not Covered
REPRODUCTIVE HEALTH BENEFIT
Family Planning including IUCDS, INJECTABLES, ORAL CONTRACEPTIVES, NORPLANT(after 12months on the scheme)	N/A
Infertility limited to diagnosis & prescribed medications	N/A
MATERNITY BENEFITS: (Family Plan holders only after 12mths)
Ante-natal care at registered network provider	N/A
Normal Delivery including Post-Partum Care	N/A
Operative Delivery including Post-partum care	N/A
Medical Conditions during Pregnancy	N/A
Complications from Pregnancy & Childbirth	N/A

IN-PATIENT BENEFIT
Ward admission & Feeding	Semi-Private ward up to 10 days per year
Laboratory investigations, Nursing care, dressing & prescribed medications	Covered
Specialist Review	Covered up to specialist consult limit stated above
PAEDIATRIC CARE (FAMILY PLAN HOLDER ONLY)
Consultation with Neonatologist & pediatrician	N/A
Neonatal care including Phototherapy & Incubator care	N/A
Exchange blood transfusion	N/A
ACCIDENT & EMERGENCY BENEFIT
Nationwide Emergency evacuation, Emergency room care including consultations, investigations, surgical intervention & prescribed medications to stabilize patient in Emergency room only	Up to N80,000 limit
EYE CARE BENEFIT
Consultation with Optician including test, Lens & Prescribed Medications	Up to N42,500 limit
DENTAL CARE BENEFIT
Consultation with Dentist including Dental investigations, pain therapy, simple & surgical extraction, Amalgam filling, Root canal treatment, Gingival treatment & crowning only	Up to N15,000 limit
ADDITIONAL BENEFITS
Physiotherapy	10 sessions
Psychiatry assessment & treatment of acute phase up to 2 weeks	Covered
HIV/AIDS Treatment at designated centers	Covered
Specialized Laboratory Studies like Hormonal Assays, D-dimers, Cardiac Enzymes etc.	Covered
Specialized Imaging Studies echocardiogram, IVU, Contrast studies, Doppler Scan etc	Covered
Advanced Radiological Studies CT scan or MRI (once annually)	Covered
OVERALL LIMIT Per Individual	No limit

REGION OF COVER	Nigeria
PROVIDER TYPE	Standard Network
OUT-PATIENT BENEFIT
GP Consultations at chosen accredited primary care provider including investigations, Basic Imaging (X Ray & USS) nursing care and prescribed medications	Covered
Acute care benefits including out-of-network care	Covered
Minor Surgeries	Covered
Annual physical in your doctor room	Covered
SPECIALIST CONSULTATION
Consultation with common specialist (Gynecologists, Obstetrician, General Surgeon, Pediatrician, ENT Surgeon, Family Physician, Cardiologist)	Covered up to 7 visits a year
Consultation with Rare Specialists- Neurosurgeon, Endocrinologist, Rheumatologist, Nephrologist etc.	Covered up to 7 visits a year
CHRONIC DISEASE MANAGEMENT
Prescribed Medications (after 12mths on the scheme)	Up to N50,000 per Year
PREVENTIVE & HEALTH PROMOTION BENEFIT
Routine medical Screening	Covered
Comprehensive Annual Medical screening at designated facilities:	Covered
UNDER FIVE IMMUNIZATION BENEFIT
NPI-approved Immunization limited to BCG, OPV, HEPATITIS B, DPT, HEAMOPHILLUS INFLUENZA B, MEASLES, YELLOW FEVER	N/A
Non-NPI Immunization limited to ROTAVIRUS, PNEUMOCOCCAL, CHICKEN POX, TYPHOID FEVER, MENINGITIS	N/A
MAJOR DISEASE CONDITION BENEFITS
Surgical Procedures (Intermediate & Major)	Up to N120,000 limit
Cancer care limited to diagnosis, radiotherapy & chemotherapy	Up to N100,000 limit
REPRODUCTIVE HEALTH BENEFIT
Family Planning including IUCDS, INJECTABLES, ORAL CONTRACEPTIVES, NORPLANT(after 12months on the scheme)	N/A
Infertility limited to diagnosis & prescribed medications	N/A
MATERNITY BENEFITS: (Family Plan holders only after 12mths)
Ante-natal care at registered network provider	N/A
Normal Delivery including Post-Partum Care	N/A
Operative Delivery including Post-partum care	N/A
Medical Conditions during Pregnancy	N/A
Complications from Pregnancy & Childbirth	N/A

IN-PATIENT BENEFIT
Ward admission & Feeding	Private ward up to 15 days per year
Laboratory investigations, Nursing care, dressing & prescribed medications	Covered
Specialist Review	Covered up to specialist consult limit stated above
PAEDIATRIC CARE (FAMILY PLAN HOLDER ONLY)
Consultation with Neonatologist & pediatrician	N/A
Neonatal care including Phototherapy & Incubator care	N/A
Exchange blood transfusion	N/A
ACCIDENT & EMERGENCY BENEFIT
Nationwide Emergency evacuation, Emergency room care including consultations, investigations, surgical intervention & prescribed medications to stabilize patient in Emergency room only	Up to N100,000 limit
EYE CARE BENEFIT
Consultation with Optician including test, Lens & Prescribed Medications	Up to N60,000 limit
DENTAL CARE BENEFIT
Consultation with Dentist including Dental investigations, pain therapy, simple & surgical extraction, Amalgam filling, Root canal treatment, Gingival treatment & crowning only	Up to N20,000 limit
ADDITIONAL BENEFITS
Physiotherapy	10 sessions
Psychiatry assessment & treatment of acute phase up to 2 weeks	Covered
HIV/AIDS Treatment at designated centers	Covered
Specialized Laboratory Studies like Hormonal Assays, D-dimers, Cardiac Enzymes etc.	Covered
Specialized Imaging Studies echocardiogram, IVU, Contrast studies, Doppler Scan etc	Covered
Advanced Radiological Studies CT scan or MRI (once annually)	Covered
OVERALL LIMIT Per Individual	No limit

Healthcare insurance

Hospital Network View Plan Details

TITANIUM
ULTRA

$170/year

$555/year

TITANIUM
DELUXE

$340/year

$1,170/year

CITIZEN FRESH

$340/year

$1,170/year

CITIZEN
DELIGHT

$470/year

$1,490/year

Search

Healthcare insurance

Hospital Network View Plan Details

TITANIUM ULTRA

$170/year

$555/year

TITANIUM DELUXE

$340/year

$1,170/year

CITIZEN FRESH

$340/year

$1,170/year

CITIZEN DELIGHT

$470/year

$1,490/year

Search

TITANIUM
ULTRA

TITANIUM
DELUXE

CITIZEN
DELIGHT