Glo Health Cover FAQs



1. What exactly is the Glo Health Cover?
a. The Glo Health Cover is a value added service from GLO aimed at providing National Health cover to subscribers on the GLO network through accredited partner Health Maintenance Organizations (HMOs)


2. What are the benefits of the service?
a. The major benefits of the Glo Health Cover include the following:
– Affordable Healthcare for a variety of health conditions
– Convenient payment plans tailored to every subscriber group
– Quick time to value for accessing actual Healthcare services


3. Who can partake of this service?
a. This service can be accessed only by GLO subscribers.


4. How do I Register?
a. Registration for this service can be done via USSD channel
– To register via the interactive USSD channel, simply dial *616# and provide the required minimal user details as prompted during the session.


5. What minimal data is required to register?
a. The minimal required data includes: the first-name; last-name; sex; DOB, LGA, State and HMO


6. After selecting a service provider, can I start enjoying the service immediately?
a. After choosing a suitable service provider, the subscriber is required to select a payment plan (either weekly or monthly). This will determine how contributions will be made as payment for the service.


7. Can I change my Service Provider/ HMO in the future?
a. Yes you can change your HMO, however statutory restrictions require that you can only change HMOs once a year.


8. What Glo Health Cover services can I access based on my contributions?
a. Glo Health Cover provides coverage against the risk of incurring medical expenses from basic, in-patient and out-patient care as well as minor
surgery. The full list of ailments/conditions is as seen below.

Benefit Package-Primary Level
1. Proper history taking
2. Access to curative services for common ailments including
consumables, as out-patient care
3. Essential drugs from NHIS accredited pharmacy providers +needed
provision of pharmaceutical care by the pharmacists, beneficiary is expected to
pay 10% of the total cost(co-payment)
4. Examination and routine laboratory investigations to help reach a
5. Health education to prevent and control health problems such as
counseling and testing for HIV/AIDS
6. Laboratory investigations include malaria parasite, WBC,
Hemoglobin estimate or packed cell volume, urinalysis, MCS of urine,
wound, throat, HVS and widal test.
7. maternal and child care services
8. Primary eye care, dental and mental services
9. Accident and emergency services

1. Drainage of simple abscess (I&D)
2. Minor wound debridement
3. Excision (Ganglion, Small Cyst, Lump & ingrowing toe nail)
4. Small Cyst Excision
5. Circumcision of male infants
6. Lump Excision
7. Incision and drainage(minor)
8. Suturing of minor wounds
9. Surgical repairs of simple lacerations
10. Evacuation of impacted faeces
11. Drainage of paronychia
12. Other procedures as may be listed from time to time

Internal Medicine
1. Malaria and other acute uncomplicated febrile illnesses
2. Diarrhea diseases
3. Acute respiratory tract infections
4. Uncomplicated pneumonia
5. Simple anemia(no blood transfusion required)
6. Simple skin diseases e.g T.vesicolor,M.furfur, T.capitis etc
7. Worm infestation
8. Other uncomplicated bacteria, fungal, parasitic and viral infections and
illnesses e.g hypertension, DM, SCA, asthma, glaucoma
9. Dog bites, snake bites, scorpion stings
10. Arthritis and other musculoskeletal diseases
11. Other illnesses as may be listed from time to time

1. Voluntary counseling and testing (VCT)
2. Health education
3. Mental health
4. Anxiety neurosis
5. Psychosomatic illness
6. Insomnia
7. Other illnesses as may be listed from time to time

1. Feeding problems
2. Treatment of common childhood illnesses(malaria, other febrile diseases)
3. Diarrhea disease
4. Uncomplicated malnutrition
5. Failure to thrive
6. Measles
7. Upper respiratory tract infections and uncomplicated pneumonia
8. Childhood exanthemas, simple skin diseases and viral illnesses
9. Other illnesses as may be listed from time to time

1. Acute PID
2. Vaginal discharges
3. Routine ANC for uncomplicated pregnancy(ante-natal& post-natal)i.e. 2nd,3rd and 4th pregnancies

Family planning services Education on the following:
1. Safe period
2. Pills
3. Condoms
4. Other methods(implant and surgical contraception)

1. Treatment of minor eye ailments including conjunctivitis
2. Parasitic and allergic ailments
3. Simple contusion, abrasion , etc.

Child welfare services
1. Growth monitoring
2. Routine immunization
3. Nutritional advice and health education etc

The emergency care procedures include:
1. Establishing an intravenous (infusion) line
2. Simple tracheostomy
3. Management of convulsion, coma, etc
4. Control of bleeding
5. Cardio-pulmonary resuscitation
6. Assisted respiration (e.g. Ambu bag, etc.)
7. Immobilization of fractures (using splints, neck collars, Etc. to ease transportation of patients,
8. Aspiration of mucus plug to clear airway

Benefit Package- Secondary Level
1. Specialist care for medical, surgical, pediatrics, O&G, internal medicine psychiatry, ENT, ophthalmology, management of HIV/AIDS
2. Hospitalization in general wards; maximum of 21days/year
3. Physiotherapy for restorative and rehabilitative services
4. Radiology/medical imaging and diagnostic laboratory services
5. All perceived pharmaceuticals from FMOH essential drug lists +co payment

Surgical procedures
1. All other procedures that cannot be handled at the primary level of care can be undertaken at the secondary and tertiary levels, depending on the
complexity and the competence of the facility and its personnel, except those conditions listed on the exclusion list

Internal Medicine
2. All other cases that cannot be treated at the primary level due to lack of facilities, personnel or skills must be promptly referred to either a secondary or tertiary center, except those conditions on the exclusion list

1. Management of cases requiring admission
2. Treatment of opportunistic infections

1. All cases that cannot be handled at the primary level, except such surgical procedures that are on the exclusion list. Simple congenital abnormalities, e.g cleft palate, and life threatening congenital abnormalities e,g tracheoesophageal fistulae(TOF) etc would be handled at secondary level Obstetrics and Gynecology
2. Specialist consultation
3. Multiple gestation/high risk pregnancies
4. Caesarian sections
5. Ectopic pregnancies
6. Other obstetrical and gynecological surgical procedures that are not on the exclusion list.

1. Specialist consultation
2. Eye problems, e.g major trauma, pterygium, glaucoma, cataract extraction and other simple ophthalmological surgical procedures
3. Removal of foreign bodies
4. Refraction, excluding provision of spectacles and contact lenses

1. Specialist consultation
2. Antral wash out
3. Minor treatment; removal of foreign body
4. Surgical operations: tonsillectomy, polypectomy, tracheotomy, adenoidectomy, myringotomy,e.t.c
5. Other ENT procedures except those on the exclusion list

1. Investigations, excluding post mortem, should be referred to appropriately registered facilities at secondary or tertiary level of care

1. Dental services under the auspices of the NHIS are paid for on a fee-forservice basis and shall be referred appropriately to the dental surgeon
2. Simple tooth extraction and amalgam filling will be provided.

1. Post-surgical procedure within the prescribed 15 days
2. Post traumatic rehabilitation
3. Simple chest drainages
4. Palsies within 15 days after initial treatment
5. Post –CVA therapy within 15 days


9. How much does the service cost?
a. The service costs a total of ₦12,000.00 annually; however contributions can be made at ₦1000.00 monthly, ₦250.00 weekly, ₦35.00 daily until the
premium is paid up.


10. Does that mean I have to pay for a full year before I begin to access the Glo Health Cover services?
a. No, you can start to enjoy the Glo Health Cover services immediately after paying the target monthly premium of ₦1000.00, observe the wait period and stay consistent with payment irrespective of the payment option selected.


11. What is a Wait Period?
a. A Wait Period is a mandatory 30 day stay off cover imposed on new subscribers in accordance with HMO regulations, after payment, before they can begin to enjoy the service. The wait period may also be imposed on returning subscribers who have inconsistent contribution patterns.


12. After I pay my monthly premium, how long does cover last?
a. Paying up the target monthly premium entitles each subscriber to a cover period that lasts for exactly 30 days.


13. Where can I have access to the Glo Health Cover Services?
a. Please visit or dial to view or download the partner hospitals under the Glo Health Cover Scheme.


14. What do I do if I have to go to an emergency room that is not in my HMO network?
a. Unfortunately your HMO is not obligated to cover your hospital bill in this instance.


15. How do I get treatment?
a. Go to a partner hospital
b. Provide your mobile no. to the hospital.
c. The hospital will use this information to confirm your eligibility to access care
d. Once eligibility has been confirmed, you will receive a claims ID on your mobile device
e. Once your claims ID has been validated by the hospital, treatment will be administered and your profile updated
f. Your medical information is then sent to your HMO for processing


16. Does my money reduce every time I visit the hospital?
No. Once you remain faithful to your contributions, you can access Glo Health Cover for any treatment or ailment contained in the benefits package


17. How long is the Treatment ID valid for?
a. The Treatment ID is a one-time code which is only valid for 24 hours.


18. Who do I call to make a complaint?
a. Please call the GLO Customer Care team on 121 and provide details of the issue concerning you.

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