₦1bn
Capital base
The source presentation positions this as 2.5× the regulator's stated requirement for a national HMO.
NHIA accredited · since 1994
Nobody plans to need ₦2 million on a Tuesday night.
Yet that is how medical bills arrive in Nigeria — without warning, in full, and in cash. Here is the alternative, in plain terms.
2,109 provider records in the source schedule 24/7 telemedicine Clearline app
ClearlineHMO
Cover that helps you plan before the bill arrives.
For individuals and families, the goal is simple: make access to care less dependent on a sudden cash request.
₦1bncapital base
30+years
24/7telemedicine
Nationwideprovider access
Who is this for?
A health-cover path that changes with your situation.
Pick the journey that matches you. The headline, calculator assumptions, plan set and next-step guidance adapt instantly.
Decision tool
What one bad week could cost you.
Move the sliders. These are your assumptions, not ours — change any of them and the arithmetic changes with you.
This calculator is illustrative. It does not replace a written Clearline quotation or policy terms.
Estimated self-funded exposure
₦510,000
Based on your assumptions — before a major event even enters the picture.
Illustrative annual premium₦250,000
Illustrative cover ceiling₦650,000
Premium per person/day₦171
Published 2026 rates and benefits shown here should be confirmed against the quote and applicable policy conditions.
Why Clearline
An HMO is only as useful as the system behind the card.
Use the information as a decision aid: understand the organisation, the network, the support channels and the practical experience before you choose.
1994
NHIA Code 003
The source presentation identifies Clearline as holding NHIA Code 003 and operating since 1994.
24/7
A real support layer
Clearline's website describes a mobile app for policy details, claims processing and healthcare resources, alongside contact support.
Pharmacy
GreenLife
The source presentation links Clearline to GreenLife Pharmaceuticals and describes home delivery for long-term medicines.
Diagnostics
Clinix
The source presentation links Clearline's diagnostics capability to Clinix Healthcare Diagnostics.
Network
Provider finder
Search the supplied provider schedule directly on this page instead of hunting through disconnected lists.
Who stands behind it
The people whose names are on it.
The original source includes a nine-member board and management team. Here are representative names preserved from that source.
Dr
Dr. Anthony Chukwuma ObioraChairman
Eb
Ebere NwosuDirector
Pa
Pastor Ituah IghodaloDirector
Ph
Pharm. Ahmed I. YakasaiDirector
Sh
Shailesh KumarDirector
Dr
Dr. Mrs. Uche EjioforDirector
Ch
Chukwuka EbukaDirector
Ch
Chukwudalu NwosuDirector
Ba
Barr. Amaka Lilea NwosisiDirector
Dr
Dr. Uche EjioforAg. Managing Director
Dr
Dr. Chris NkwojiGM, Medical Services
Ol
Olaoye OlubukolaNational Head, Sales & Marketing
“It’s been years of a beneficial relationship with Clearline and we can only rate beyond 5 stars!”
Oluwatobi Busola Alao · Team Lead, HR & Admin, Tomsey Engineering and Services International Limited“Clearline came at a point when we really needed the burden of employees medical needs to be taken off us.”
Fatimah Musa · Head HR, DirectBridge Microfinance Bank“Clearline HMO has been our family for the past 7 years and their services has met our expectations.”
Mr. Joachim Rotimi · LOA ArchitectsPlans
Every plan, presented with the practical details.
Select an audience first. Then compare the plans relevant to that audience and jump straight into registration.
Provider finder
Find a provider you can actually recognise.
Search the supplied 2026 provider schedule by name, place or type. Filter by state and provider category.
Band B, C and D in the source schedule refer to tariff level, not quality.
Free resources
The useful layer beyond the card.
These are the resource links carried by the source presentation. They can help even before you buy a plan.
W
Workplace Wellness OS
Workplace wellness diagnostics, audit tools and planning resources.
?
Find My HMO
A questionnaire-style navigator for household or payroll decisions.
↗
Enrollee Assist
A practical escalation aid for members navigating service problems.
90
WellnessOS 90
A 90-day workplace wellness challenge and health calendar.
Proof
Read the names, not just the promises.
The source presentation references published testimonials and corporate accounts. Use these as proof points to investigate further, not as a substitute for your own due diligence.
3,506
First Bank of Nigeria
The source describes a single mandate covering non-core staff.
2026
Merit Healthcare
The source describes an 18-month evaluation before signing.
2026
Vibrant Ventures
The source describes a full corporate placement won against a shortlist.
Questions
The things you should ask before paying.
Clear answers are part of the product. These questions and answers preserve the source presentation's framing while making it easier to scan.
How do I choose a plan?
Start with who needs cover, where they live, age, expected usage and the hospital level you want. Then compare the plan's limits and waiting periods.
Can I find a hospital before enrolling?
Yes. Use the provider finder above and confirm the current network for the plan you choose before relying on a facility.
What is not covered?
The source presentation lists exclusions including cosmetic surgery, home and domiciliary care, self-inflicted injuries, transplant surgery, obesity treatment and virility drugs, subject to the applicable policy terms.
How quickly can I register?
The online form is designed as a guided process. You can complete the fields here, review your entries and then choose how to send the application to the enrolment contact.
Can a family member abroad arrange cover for relatives in Nigeria?
The source presentation includes a Diaspora journey specifically for people supporting family in Nigeria. Confirm eligibility, ages and network access before payment.
Where is Clearline located?
The source materials give Clearline House, 290 Ikorodu Road, Anthony, Lagos.
What is the Clearline app for?
Clearline's public website says the app provides convenient access to policy details, claims processing and healthcare resources, with app-store links available on its website.
Are the prices final?
Use the figures displayed here as the supplied 2026 reference schedule. A written quotation and applicable policy terms remain the final basis for a purchase decision.
Registration
Complete your ClearlineHMO enrolment in one place.
One page. No separate registration site. Choose a plan, enter your details, review, then send the completed application to the enrolment contact.
ClearlineHMO registration
Fields follow the supplied 2026 retail enrolment form.
SECURE BY DESIGN
Prefer paper?
Download the official 2026 enrolment form, print it, fill it, then send it back.
The original two-page ClearlineHMO retail enrolment form is built into this page. Download it, print it, complete it in BLOCK LETTERS, scan or photograph the completed pages, and send them to Azuka.
1Download
2Print & fill
3Photograph / scan
4Create your card
Official 2026 form
2 pages · print-ready
Includes payment & declaration
Send a completed paper form
Turn your completed form into a clear enrolment card.
Upload your passport photograph and clear images of the completed form pages. The page creates a neat card with the passport and document previews, ready to download or share.
Completed form pages
Upload 1–2 clear photos or scans of the completed form.
No form pages selected
Passport photograph
Use the passport image already selected above, or choose another one here.
Use current passport photo
Preview
ClearlineHMO enrolment card
Your card will appear here
It will include your name, selected plan, passport and document previews.
For privacy, the card does not print medical-condition details. Use the original completed pages as the source document.
Next step
Choose the route that makes sense, then act.
For individuals, families, SMEs, corporate teams or Nigerians supporting relatives at home, the next step is simply a clearer conversation.