Health insurance.
From ₦100 a day.
Micro health insurance for Nigerians outside formal employment. Daily, weekly, or monthly premiums you can afford. WhatsApp claims. Pause anytime. NHIA-aligned.
- From ₦100/day
- Pause anytime
- Claims via WhatsApp
90% of Nigerians have no health insurance.
Formal insurance is built for the formally employed. But 80% of Nigeria's workforce is informal — drivers, traders, artisans, gig workers. When a medical bill comes, they pay out-of-pocket or they don't get treatment. NoWahala is for them.
Of Nigerians with any insurance
90 out of every 100 Nigerians have zero health insurance coverage. When someone gets sick, families pay the full cost themselves.
Of healthcare spending is out-of-pocket
Three out of every four naira spent on healthcare in Nigeria comes directly from the patient’s pocket. The poorest pay the highest share of income.
Average emergency medical cost
A single hospitalisation can wipe out a family’s savings. Many Nigerians delay treatment because they simply cannot afford it.
Sign up in 5 minutes.
Pay what you can afford.
Sign up via WhatsApp.
No paperwork. No agent visit. Send a message, share your NIN, pick your plan. You’re covered within minutes — not weeks.
⌘ Five minutes from start to active cover
Pay your way.
₦100/day, ₦600/week, or ₦2,200/month. Top up via bank transfer, USSD, or card. Pause when cash is tight, resume when ready.
⌘ Daily · Weekly · Monthly options
Claim via WhatsApp.
Send a photo of the prescription, lab order, or hospital bill. Most routine claims approved in 30 minutes. Direct payment to partner pharmacies and clinics.
⌘ Lagos pharmacy network at launch
Three tiers.
No hidden fees.
Pay-as-you-can pricing designed for informal-sector incomes. Switch tiers anytime. No annual commitment. No exit fees.
- ₦25,000 outpatient cover/year
- ₦50,000 emergency cover
- WhatsApp claims
- Pause anytime
- ₦75,000 outpatient cover/year
- ₦150,000 emergency cover
- Includes lab tests & diagnostics
- Maternity add-on available
- ₦200,000 outpatient cover/year
- ₦500,000 emergency cover
- Inpatient hospitalisation
- Family plan: 4 dependents
Built honest. Built to pay.
Insurance only works if it pays out. NoWahala is structured for fast, fair claims and full transparency on what's covered before you sign up.
NHIA-aligned underwriting
NoWahala plans are structured to align with the National Health Insurance Authority framework. We’re working toward formal partnership for cross-recognition.
30-minute routine claims
Most outpatient claims (drugs, lab tests, simple consults) are approved within 30 minutes via WhatsApp. No 90-day disputes. No reams of paperwork.
Transparent exclusions
What’s not covered is shown clearly before you sign up. No buried fine print. No surprises when you’re sick. Full T&Cs in plain Pidgin and English.
Lock in our 3-month introductory rate.
NoWahala launches Q4 2027. Waitlist members get the first three months at our launch rate — no premium increases for the first cohort.
- Daily, weekly, monthly tiers
- Pause anytime, no exit fees
- NHIA-aligned underwriting
NoWahala is one of 9 connected products from Therasafety.
Stop praying you don’t get sick.
Start with cover that fits your income.
NoWahala launches Q4 2027. Join the waitlist for early access and a 3-month introductory rate when we go live.