The informal sector, and even parts of the formal sector, in Nigeria still lack access to health and pharmacy coverage. In simple terms, the health economy doesn’t cater to them.
The numbers prove it. Only 19 million Nigerians have access to health coverage, according to the State of the Health of the Nation Report 2024. It’s numbers like these that power Credit Direct’s push for financial inclusion in Nigeria, and that’s why we launched this new Micro-Insurance product in partnership with WellaHealth.
About Credit Direct Micro-Insurance Cover
Credit Direct Micro-Insurance is an accessible and affordable primary pharmacy cover that gives you access to essential medication through WellaHealth’s pharmacy partners nationwide.
For just ₦750, you get access to essential medications worth up to ₦6,000 per month at 3,000 partner pharmacies across Nigeria.
This covers common illnesses such as malaria, typhoid, URTI, ulcers, and infections. That’s access to treatment for the things that slow life down, at a price that does not.
It subsidises healthcare for millions of Nigerians who would have had to choose between a meal, transportation, clothing, or essential medication.
Additionally, the Micro-Insurance plan offers people with existing medical plans a nationwide pharmacy option they can rely on.
Why WellaHealth?
WellaHealth is Nigeria’s leading health infrastructure provider with a mission to make quality healthcare accessible to every African through technology.
With a pharmacy network of over 3,000 pharmacies across Nigeria, WellaHealth has ensured access to essential medication for over a decade.
Together, the Micro-Insurance program will reach millions of Nigerians with affordable, accessible pharmacy coverage.
How to Get Started
We’ve made getting covered simple, and it takes just a few minutes. Follow these steps to get started.
- Download the Credit Direct App and sign up if you are not already an existing user.
- Fund your wallet with at least ₦750, as the money would be used to pay for the pharmacy cover subscription.
- Dial *5120*7# to purchase a plan using the phone number linked to your Credit Direct app, then follow the prompts.
After you successfully purchase your pharmacy coverage, you get up to ₦6,000 to cover all your essential medications.
How to Make a Claim
Whenever you want to use your pharmacy cover, you will need to make a claim and get your claim code. This code is required to pick up your medication. Getting your claim code is straightforward:
- Dial *5120*7#
- Select “Claim Insurance”
- The claim code will be sent via SMS
A WellaHealth agent will then reach out to confirm whether the medication you need is available at the closest partner pharmacy.
Once confirmed, you can proceed to pick up your medication, using the claim code you generated.
To check how much benefit you have left in the month, simply dial *5120*7# and select “Check Coverage.”
How to Find a Partner Pharmacy Near You
With over 3,000 partner pharmacies nationwide, there is almost certainly one close to you.
Visit wellahealth.com/pharmacy to find one closest to you.
Healthcare Should Not Be a Luxury
For too long, access to basic health cover has been a privilege. Credit Direct Micro-Insurance is a direct response to that gap, built for the millions of Nigerians who have been managing their health without a safety net.
You should not have to choose between buying medication and a daily meal. With Credit Direct Micro-Insurance, you do not have to.
₦750 a month. Up to ₦6,000 in medications. 3,000+ pharmacies. No hospital/pharmacy queues.
For people with existing medical coverage, the Micro-Insurance plan doesn’t replace it. It gives you another option when you’re trying to get basic medication, and with WellaHealth’s nationwide coverage, it goes with you wherever you go.
Download the Credit Direct App, fund your wallet and dial *5120*7# to get covered today.
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