Kowrry Health Insurance Plans

A deductible is the amount you pay for covered healthcare services before your insurance plan starts to pay. For example, with a ₦100,000 deductible, you pay the first ₦100,000 of covered services yourself. After you pay your deductible, you usually pay only a copayment or coinsurance for covered services, and your insurance company pays the rest.

In-network providers have contracted with your health insurance company to provide services at negotiated rates. You'll typically pay less when using in-network providers. Out-of-network providers don't have contracts with your insurance company, and services from these providers usually cost more and may not be covered at all, depending on your plan.

Most applications are processed within 5-7 business days. Once approved, coverage typically begins on the first day of the following month, or on a date you specify during the application process. You can check your application status online at any time.

Yes, you can add eligible family members to your plan during the annual open enrollment period or if you experience a qualifying life event such as marriage, birth or adoption of a child, or loss of other coverage. Contact our customer service team for assistance with adding family members.