FOR MEMBERS
InsurMed is designed to deliver value
Better Access to Healthcare. Smarter Ways to Pay. Greater Peace of Mind.
Virtual consultation
Speak to a doctor today
Wallet balance
₦25,000
+ Fund Wallet
Family Health Plan
Active cover
FOR ORGANISATIONS
Bring InsurMed to your workforce and members
Group health insurance
Cover for employees and members, offered through a simple, digital enrolment experience.
Virtual healthcare access
Give your people virtual consultations and an AI health check from their phones.
Premium payments
Pay and manage premiums through approved digital payment systems.
Ready to see InsurMed for your organisation?
COMPLETE CARE FROM A SINGLE APP
AI-Powered Healthcare, Digital Payments & Health.
Virtual consultations
See a doctor from your phone, wherever you are.
AI Health Check
Describe how you feel and get quick, AI-powered guidance.
Micro-health Insurance
Affordable cover with clear benefits and simple enrolment.
Digital Wallet
Store, send and receive money securely in one place.
Bills Payment
Pay everyday bills and premiums without leaving the app.
EVERYTHING YOU NEED, IN ONE PLACE
One app for your health, your cover and your money
Start with InsurMed for any health, insurance or payment question. We bring your care, your cover and your wallet together, so you feel looked after completely.
Care when you need it
Cover you can afford
Payments made simple
Good morning
Welcome to InsurMed
Wallet balance
₦25,000
+ Fund
Consult
AI check
Cover
Bills
Family Health Plan
Active cover
Virtual consultation
Family Health Plan
Monthly subscription · Paid from wallet
active
Clear benefits
Clear costs
Clear limits
Plan benefits explained in plain language
Enrolment
1
2
3
Choose plan
Pay
Confirmed
AFFORDABLE HEALTH INSURANCE
Health cover you can actually understand
Subscribe to micro-health insurance in the app. See your benefits, costs and limitations in plain language, and pay from your wallet through approved payment systems.
Affordable subscription plans
Clear benefits, costs and limitations
Simple enrolment and payment
VIRTUAL CARE & AI HEALTH CHECK
See a doctor from wherever you are
Book a virtual medical consultation from your phone, or start with the AI health check to describe your symptoms and get guidance first.
Virtual medical consultations
AI-powered health check
Handover to a human doctor for complex concerns
AI guidance supports, and does not replace, a doctor’s advice.
AI health check
Tell us how you’re feeling and get guidance.
Describe your symptoms…
Follow-up reminders after every visit
DIGITAL WALLET & BILLS
Pay for care and everyday bills in one place
Fund your wallet, pay bills and settle insurance premiums without leaving the app, protected by biometric authentication.
Secure digital wallet
Bills payment
Premiums paid from your wallet
INSURMED IS DESIGNED FOR
When healthcare feels expensive, far away or complicated.
For members
Individuals, families and households who want affordable cover, easy access to a doctor and one place to manage their health spending.
For organisations
Employers and small businesses that want to offer group health insurance and virtual healthcare access to their people.
OUR APPROACH
Personalised all-in-one healthcare that supports you holistically — health, cover and wallet.
Health
Virtual consultations and an AI health check, whenever you need them.
Cover
Micro-health insurance with clear benefits and simple enrolment.
Wallet
A digital wallet and bills payment that keep care affordable.
HOW IT WORKS
Activate your account in a few simple steps
STEP 1
Download the app
Get COVA InsurMed from your app store.
STEP 2
Create your account
Register and set a password.
STEP 3
Verify it's you
Secure your account with biometric authentication.
STEP 4
Choose your cover
Pick a plan and fund your wallet.
STEP 5
Start using care
Consult a doctor, pay bills and manage your cover.
Proposed onboarding flow — adjust to match the final app.
Frequently asked questions
Have more questions? Visit our help centre for additional information.
What is COVA InsurMed?
COVA InsurMed is the health insurance business line of COVA Insurtech Limited. It brings micro-health insurance, virtual consultations, digital payments and AI health tools together in one app.
Who can use COVA InsurMed?
Individuals, families and small businesses can subscribe, and organisations can provide cover for their staff or members.
How do I activate my account?
Download the app, register, verify your identity and answer a few questions. You can then choose a plan and start using your benefits.
How do I download the app?
Search for COVA InsurMed on the Google Play Store or Apple App Store and install it on your phone.
GET STARTED
Healthcare without the headaches
Activate your account to access all your InsurMed benefits.