Terms and Conditions

Introduction

Welcome to Wellness Health Management Services Mobile Application (“App”). Please read the following terms and conditions carefully before using this App.

This document is an electronic record in accordance with the National Information Technology Development Agency Act, 2007 and related rules. By using this app, you contract with Wellness HMO, a company incorporated under the Companies and Allied Matters Act, 2020, with registered address at 9, Jogunomi Street, Gbagada Phase II Estate, Lagos, Nigeria. These terms and conditions constitute your binding obligations.

“You” and “Your” refer to an individual user. Use of any services provided by the app is subject to the rules, guidelines, policies, terms, and conditions applicable to such service. Your continued use of the site following changes means you accept and agree to those changes.

Effective from: 1st November, 2021

Personal Information

User personal information is treated in accordance with our privacy policy. Use of the App is subject to the terms of agreements signed with Wellness HMO.

Membership Eligibility

• The App is available to individuals; corporate representatives may transact on behalf of individuals.
• Membership requires payment of the specified premium for the chosen plan, annually or per service, as agreed.
• No premium paid = no service rendered for that year.
• Membership does not confer shareholder status or stake in Wellness HMO.

Your Account and Registration Obligations

You are responsible for maintaining the confidentiality of your User ID and Password and all activities under your account. Providing false or incomplete information may result in refusal, termination, or blocking of access to the App.

Conditions Applicable

• Wellness HMO maintains a network of credible healthcare providers nationwide.
• Pre-enrollment requires a completed form, photograph, and other details.
• Enrollees receive an identification card within 14 working days after subscribing.
• New subscribers have a 1-month moratorium before access to care.
• Healthcare providers treat subscribers only on proper identification.
• Emergency evacuation requires ID card details if possible.
• Replacement ID cards cost ₦500 each.
• Subscribers may select their healthcare provider from the network.
• Referrals outside the network only when appropriate and expedient.
• Non-emergency out-of-network treatment is at the subscriber’s cost unless pre-authorized.
• Emergency out-of-network treatment may be reimbursed with proper documentation.
• Renewal notice sent at least 30 days before policy expiration.
• Subscribers must inform Wellness HMO of expired or changed payment cards.
• Secondary/special cases require referral and approval.
• Primary providers are the first point of call; onward referral as needed.
• Provider changes due to negligence/poor care must be notified to Wellness HMO.
• Wellness HMO reserves the right to accept or reject plan requests at its discretion.

Disclaimer of Warranty

The App and its content/services are provided "as is" for informational purposes only, without warranty of any kind. We do not warrant uninterrupted or error-free content. To the maximum extent permitted by law, Wellness HMO is not liable for indirect, exemplary, special, or consequential damages. Total liability is limited as specified in the policy and to the extent of your disclosure regarding the health of the Subscriber.

Refund Policy

At Wellness Plus, we are committed to delivering valuable and transparent health services. Our refund policy is as follows:

1. Non-Refundable Plans: All health plans purchased are non-refundable once activated, including requests for services not stated in the plan.
2. Service Clarity: Each plan includes a detailed description of covered services. Users must review this before purchase. No refunds for misunderstandings or unmet expectations regarding non-included services.
3. Exceptional Circumstances: Refunds may be considered for technical issues (e.g., payment error or failure to activate plan) that prevent access. Each case is reviewed individually and may require documentation.
4. Customer Inquiries: Users should contact support before purchase if unsure about plan inclusions.
5. Dispute Resolution: For exceptional refund requests, contact support within 7 days of purchase at [support email]. Requests after this period may not be considered.

By purchasing any plan, you agree to this refund policy and acknowledge that services have been clearly outlined.

Restriction of Liability

• No liability for maternity/delivery within the first year or surgery within the first 6 months.
• Excluded services include: non-stated medical/surgical conditions, certain chronic diseases, cancer, immunizations outside policy, organ transplants, high-tech surgeries, self-inflicted injuries, alternative medicine, advanced dental procedures, war/riot injuries, high-risk sports, treatment outside Nigeria, HIV/AIDS, occupational accidents, epidemics, tuberculosis, notifiable diseases, infertility treatments by high-tech procedures, and more.

Nothing in these Terms confers third-party benefits or enforcement rights.

Intellectual Property

All copyright, trademarks, and other intellectual property rights in the App remain the exclusive right of Wellness HMO and its licensors. No copying, distribution, or publication is allowed without permission. Access is granted only for personal, non-commercial use.

Indemnity Clause

Healthcare providers shall indemnify and hold harmless Wellness HMO from all claims, liabilities, losses, damages, penalties, judgments, awards, or costs (including attorney’s fees) arising from:

• Breach of agreement by healthcare providers.
• Negligent acts or omissions by healthcare providers or their agents/employees.

Force Majeure

Wellness HMO is not liable for failure or delay in performance due to events beyond reasonable control, including but not limited to acts of God, natural disasters, wars, terrorism, strikes, epidemics, power/computer failures, and other unforeseeable circumstances.

Breach

Wellness HMO may limit your activity, remove your information, suspend or terminate your membership, or refuse access to the App if:

• You breach the Terms and Conditions, Privacy Policy, or other rules.
• Wellness HMO cannot verify/authenticate your information.
• Your actions may cause legal liability for you or other users.

Contact

For questions or comments, contact Wellness HMO at:

• Address: 9A, Jogunomi Street, Gbagada Estate Phase II, Lagos
• Phone: 0700WELLNESS (070093556377), 08143290066 (WhatsApp only)
• Email: info@wellnesshealthcare.com.ng

Applicable Law

These Terms and Conditions are governed by Nigerian Laws, without regard to conflict of law provisions.

Severability

If any term is determined to be void, unlawful, or unenforceable, the validity and enforceability of the remaining terms shall not be affected.