1:47 in the morning, somewhere in Nigeria
WellnessOS — free health tools, telemedicine and Clearline Enrollee Assist for Nigerians. Deposit first.Plan first.
In Nigeria the hospital asks for money before it asks what is wrong. WellnessOS is the free system you set up before that call: a doctor tonight, what your HMO really covers, whether your drugs are genuine, and the nearest hospital that accepts your card.
Free, no loginBuilt with ClearlineHMO · NHIA code 0032,109+ hospitals and clinics
We're at the hospital with Daddy.
They said deposit ₦350,000 first before they admit him 😭
Please, where do we find money now?
Show the Clearline card. Call 0700 245 245 245 for the PA code. Emergency care comes first.
Start with the problem, not the product
What is happening right now?
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For Clearline members · Enrollee Assist 7
At the hospital and nothing is moving?
Tap Start my visit when you walk in. Enrollee Assist times every stage — registered, request sent, code received, seen, drugs — nudges you at 20, 45 and 90 minutes, and gives you the exact words for the desk in English or Pidgin.
- Built from the patterns behind real escalations — no request sent, wrong ID, hospital above your plan, expired cover, refunds.
- 2,109 hospitals and every benefit line for your tier — works with no signal.
- One-tap escalation with your times already written in.
Try it before you trust it
Three answers people need at a hospital desk.
No form, no login. These run in your browser now.
Is it covered on my plan?
Is my medicine genuine?
Which Clearline hospital is near me?
New · free · Read My Results
Can't read the doctor's writing? Snap it.
Photograph your lab result, scan report, prescription or case note. Get it in plain English: what each result means, what every drug is for and how to take it, what to ask your doctor, which specialist you need — and the nearest hospital or pharmacy that can help.
- Saved on your phone in case you lose the prescription.
- Share it in one tap for a second opinion.
- Specialists, teaching hospitals and pharmacies in all 36 states + FCT.
Why this exists
I lost a client over a benefit table.
My name is Azuka Orumgbe. I work in Corporate Partnerships at ClearlineHMO. I sell health cover, and I would rather say that plainly than hide it.
Earlier this year I spent six weeks with a Lagos firm, going line by line through maternity caps, admission days, global limits and preferred hospitals. They chose another HMO because the price was lower.
When people cannot see the difference, they choose the cheaper price.
Their decision was not the problem. The problem was that nobody had shown them what to compare, so they compared the only number they understood. The premium is the number that tells you least about whether a plan pays when someone is on a hospital bed.
So I stopped opening with plans. I have spoken about sickness financing every day for more than 1,200 days, and worked with 30+ organisations — banks, logistics companies, associations, churches, NGOs and families in Nigeria and abroad. Everything I learned is built into these tools, free, before anyone sells you anything.
“Beyond 5 stars. You do it just right by us in the hospitality business.”
DirectBridge Microfinance Bank's Head of HR describes a seven-year relationship with Clearline.
LOA Architects describe a smooth experience, including a caesarean delivery.
Recent wins: First Bank (3,506 staff), THISDAY Newspapers (over ₦34 million), Vibrant Ventures, ASL Business Solutions and Merit Healthcare (2026). Clearline has served Nigerians since 1994 — NHIA code 003. Clients include Polaris Bank, First Bank, Air Peace, Vitafoam, C-Way, CDK, Tomsey Engineering, DirectBridge MFB and LOA Architects.
Cover The Ones
Every plan starts with a person.
Pick the sentence that sounds like your life. We'll show you the plan that fits it.
Read the Cover The Ones playbook ↗Every tool, one list
Nineteen free tools. Pick by the question you have.
The free report
Can your company find ₦800,000 tomorrow morning?
One caesarean in Lagos can cost that. The Nigerian Employer's Health Cost Report shows what illness already costs you, before anyone tries to sell you a plan.
- Find the cost you already pay: absence, presenteeism, replacements and goodwill bills.
- Check your NHIA position. Five or more staff means cover is a legal duty.
- Take 22 questions into any HMO meeting and get the answers in writing.
- A personal follow-up on WhatsApp within one working day. No bots.
Home / All tools
Every free tool in WellnessOS.
Calculators run in your browser. Nothing is stored about you unless you choose to send it.
Home / Talk to a doctor
A doctor, without the deposit.
Three real routes to care, in the order that keeps you safe: emergency first, a 24/7 doctor second, a booked video consultation third.
KiaKia doctor online
Clearline's telemedicine plan: chat or consult with a doctor any hour, prescriptions and lab requests included. Clearline says a doctor responds within about 20 minutes. ₦3,500 a year.
Signing up? Use referral code NPEM1Q0U so Azuka can follow up personally.
KiaKia is telemedicine only. It does not pay for admission or surgery.
Call Enrollee Care
At a hospital, or need a referral or authorisation (PA code)? Call before you pay cash for anything that may be covered.
Also: the Clearline HMO app on Google Play and App Store for your e-ID card and eligibility.
Book a video consultation
Your own private video room, in two minutes.
Fill this in and you get a private, encrypted video room link straight away. A care coordinator confirms a time with you on WhatsApp and a clinician joins you in that room.
- Describe what is wrong
Short is fine. Do not include ID numbers or test results.
- Get your room link
Works in any phone browser. No app needed. Test your camera first.
- Confirm on WhatsApp
The message is written for you. A coordinator replies with the time.
Your room is ready.
Keep this link. The clinician uses the same one. You'll wait in the lobby until they let you in.
Test your camera and microphone
Nothing is recorded or sent. This only checks your phone is ready.
Not sure how urgent it is?
The symptom guide checks for danger signs first, then tells you what to write down, what to ask a doctor and how soon to be seen. It never names a disease as yours.
Home / Clearline Enrollee Assist
Help inside the hospital.
For Clearline members and their families. Check what your plan covers, check a medicine, find a hospital that accepts your card, and know exactly what to say at the desk.
Source: Clearline 2026 corporate benefit schedule (September 2025 issue) for Bronze to Platinum Plus. Retail, SME, Superb and Elite answers come from Clearline's 2026 plan documents. Your company's contract can differ — the call centre confirms against your enrollee ID before treatment.
Is this medicine genuine?
No website can prove a pack is genuine from a photo. These checks catch most fakes, then NAFDAC confirms.
Scratch-code and report
- Scratch the label
Many antimalarials and antibiotics carry a scratch panel (Mobile Authentication Service). Scratch to reveal the PIN.
- Text the PIN
Send it free to the short code printed on that label. You should get "OK" or "FAKE". Replies can be slow — wait before you swallow.
- Report anything wrong
NAFDAC: 0909 763 0506, 0909 763 0507 or reform@nafdac.gov.ng. Keep the pack and receipt.
Will my HMO pay for this medicine?
Type the medicine or what it treats. We match it to how Clearline plans usually handle that class of drug.
From the Clearline provider schedule (August 2026). Hospitals change status; always call the facility or Enrollee Care before you travel. Bands: A is the widest access, D the most basic — your plan decides which bands you can use.
What to do at the hospital desk
- Show your Clearline ID card or e-card
ID looks like CL/COMPANY/0000/2026-A. Ask: "Are you active with Clearline today?"
- Ask them to send the PA request now
Our escalation data shows the commonest reason members wait: the hospital never sends the authorisation request to Clearline.
- Start a 30-minute clock
No code after 30 minutes? Call Enrollee Care yourself with the hospital's name.
- Don't pay cash for covered care
Unless it's an emergency. Emergency treatment never waits for paperwork.
Say this, word for word
"Good day. I am a ClearlineHMO enrollee. Please send my pre-authorisation request to Clearline now through the provider portal, so they can issue the PA code. If you need the number, it is 0700 245 245 245."
Still waiting? Escalate
Send escalation on WhatsAppOpens WhatsApp with the message written. Add your enrollee ID there yourself — we never store it.
Home / Cover The Ones
Your future has plans. Protect the person living it.
Tell us who you're covering. In 60 seconds you'll see the plan that fits, what it costs in 2026, and what it does not cover.
Ready to enrol?
Register online, upload a paper form, or ask Azuka for a written quote. Payment goes only to Clearline International Limited's company account — never to a person.
Free: Cover The Ones 2026 Playbook
16 pages: what to do when a hospital says "deposit first", nine questions that separate real cover from theatre, every 2026 price and limit, and how to choose.
Get the playbook2026 prices, side by side.
Per person, per year. Waiting periods and exclusions apply to every plan — read them before you pay.
Home / Ask WellnessOS
Ask anything about care, cover or cost.
A guide that answers in plain words and sends you to the right tool or person. It does not diagnose.
Home / Find us
Find Clearline, or a hospital near you.
Clearline House, 290 Ikorodu Road, Anthony, Lagos. For the nearest hospital that accepts your card, use the hospital finder.
The map loads from Google Maps.
ClearlineHMO head office
Clearline House, 290 Ikorodu Road, Anthony, Lagos.
Mon–Fri, office hours. Enrollee Care runs 24/7 by phone.
Corporate partnerships · Benin, Lagos and the South-South
Azuka Orumgbe · o.azuka@clearlinehmo.com
Who we are. WellnessOS is built by Azuka Orumgbe, Corporate Partnerships, ClearlineHMO (Clearline International Limited, RC 493596, NHIA code 003), Clearline House, 290 Ikorodu Road, Anthony, Lagos. We process personal data under the Nigeria Data Protection Act 2023.
The tools collect nothing by default. Calculators, the coverage checker, the drug check and the hospital finder run in your browser. Your answers are not sent to us. Some tools remember your progress on your own device; clear your browser storage to remove it.
When you send us something. If you submit the report form, the consultation form or a quote request, we receive what you typed (name, phone, email, who you're covering, and for consultations a short reason). We use it only to answer that request. Forms are stored by our host, Netlify. Consultation details are shared only with the care team handling your consultation.
Video consultations. Rooms run on Jitsi Meet (8x8), open in a separate tab and are encrypted in transit. We do not record calls. Anyone with the link can ask to join, so share it only with the care team.
The chat guide. If the live AI is switched on, your chat message is sent through our server to an AI provider (Anthropic or OpenAI) to write a reply and is not used by us for anything else. Do not type ID numbers, diagnoses or test results. If the live AI is unavailable, answers come from a guide built into the page and nothing leaves your device.
WhatsApp. Buttons that open WhatsApp write a message for you. Nothing is sent until you press send.
Measurement. We use the Meta Pixel (Facebook and Instagram) to count visits and sign-ups that come from our adverts. It never receives health answers, uploaded photos, test results, ID numbers or payment details. Tap Turn off on the notice at the bottom of the page and it stops for this browser; everything else still works.
Health data. We do not ask for diagnoses, test results or enrollee IDs in any form. Please don't include them.
Your rights. Ask what we hold, correct it, or delete it: o.azuka@clearlinehmo.com or WhatsApp 0806 838 7128. We act within 30 days. You may also complain to the Nigeria Data Protection Commission.
Retention. Form submissions are kept for up to 12 months after your last contact, then deleted.
Not medical advice. WellnessOS gives health education and navigation. It does not diagnose or treat. In an emergency call 112.
Received. Thank you.
Azuka will reply on WhatsApp within one working day.
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