If you have ageing parents in Nigeria, you already know how quickly healthcare costs can add up. From regular check-ups to managing long-term conditions, staying on top of their care takes planning.
SendCare is built for this stage of life. It offers health insurance designed specifically for elderly Nigerians aged 55 to 85, giving your parents reliable access to routine and long-term medical care without disruption.
For just $70 per quarter, which is less than most families spend on a single hospital visit, your parents can access comprehensive care across Nigeria without upfront payments.
Why reliable health insurance matters for seniors
Getting older in Nigeria without proper health coverage puts you and your parents at risk, as chronic conditions like hypertension, diabetes, arthritis, and heart disease can make managing their care overwhelming and stressful for you.
Globally, 93% of adults aged 65 and older have at least one chronic condition, whilst 79% manage two or more. Adults in Nigeria experience similar realities, with chronic illnesses being widespread and requiring ongoing care.
Elderly Nigerians regularly face the following challenges:
- Chronic illnesses: Hypertension, diabetes, arthritis, and heart disease affect many Nigerians over 60, requiring ongoing medication, regular check-ups, and sometimes emergency treatment.
- Expensive Hospital care: A single hospital admission or urgent surgery can be extremely expensive, and hospitals often require immediate payment before treatment begins—an expense your family may struggle to absorb without financial strain.
- Limited access to quality care: Without health insurance, your parents may have no choice but to use healthcare facilities with inadequate resources or expertise.
- Medication and treatment adherence: Elders with chronic conditions often need multiple medications. Without insurance, the ongoing cost of prescriptions and refills can get expensive.
Without a seniors’ health plan, you are always on standby for the next medical issue, facing high costs, stressful emergencies, and uncertainty about your parents’ care.
Typical health needs of seniors in Nigeria
Understanding what your elderly parents actually need can help you choose the right coverage. Seniors aged 55–80+ typically require:
- Chronic condition management: Regular doctor visits, blood pressure monitoring, diabetes management, cholesterol checks, and ongoing prescriptions. This is why health insurance for seniors in Nigeria is essential for ongoing care.
- Hospital access and quality care: Admission for surgeries, specialist consultations, diagnostic tests such as X-rays, MRIs, and CT scans, and inpatient treatment when needed. A proper seniors health plan ensures your parents can have access to the best healthcare without financial barriers.
- Emergency coverage: Seniors need quick access to medical care for sudden health events such as heart attacks, strokes, serious falls, severe infections, or complications from existing conditions. Rapid response can reduce risks and improve recovery.
- Medication and follow-up care: Continuous supply of essential drugs, post-surgery care, physiotherapy, and routine health monitoring. With elderly parent health insurance in Nigeria, you can make sure medications and follow-up care are never interrupted.
- Specialist services: Older adults may require care from specialists, including eye care for cataracts and glaucoma, dental treatment, orthopaedic support for hip and knee issues, and cardiology for heart conditions. Easy access to these services helps maintain their health and quality of life.
These needs are ongoing, so seniors require coverage that guarantees uninterrupted access to care from the very beginning.
How SendCare plans address these needs
SendCare offers three plan tiers designed to match different health needs and budgets. See how they compare:
| Feature | SeniorsPlan | SeniorsPlan Plus | SeniorsPlan Premium |
| Price (per quarter) | $70 | $80 | $160 |
| Best for | Ages 55-65, mild conditions | Ages 65-85, active care needs | Complex/intensive conditions |
| Chronic disease medication | ✓ Covered | ✓ Covered | ✓ Covered |
| Emergency & ICU care | ✓ Covered | ✓ Covered | ✓ Covered |
| Hospital comfort | Semi-private ward, 20 days/year | Private ward, 30 days/year | Private ward, 30 days/year |
| Pre-existing conditions | ✓ Covered from Day 1 | ✓ Covered from Day 1 | ✓ Covered from Day 1 |
1. Coverage for chronic conditions
With SendCare, ongoing illnesses like diabetes, hypertension, arthritis, and heart disease are covered from day one. Your parents can receive doctor consultations, prescription refills, regular monitoring, and treatment for complications without waiting periods or exclusions. This means you don’t have to worry about interruptions in care or unexpected out-of-pocket expenses.
2. Hospital access and quality care
We partner with over 1,600+ hospitals across Nigeria, including top facilities:
- Reddington
- Lagoon hospital
- Evercare
Your parents simply show their HMO ID, and treatment begins immediately. With hospitals available across the country, your parents can receive quality care close to home, reducing travel stress and disruption to daily life.
3. Emergency care and quick support
In a medical emergency, every minute matters. SendCare ensures your parents can access urgent care efficiently at network hospitals, with support to guide them through each step.
Here’s how your parents can access care quickly at any network hospital with SendCare:
- Visit the hospital: Anytime your parents need treatment, log in to your portal and select “Visit Hospital.”
- Present their HMO ID: Hospital staff verify coverage instantly. The card shows your parents’ personal information and plan details, helping the hospital provide care efficiently.
- Contact support: If questions or challenges arise, you can either call or send us a message on WhatsApp at 09070008899.
Using health plans for elderly Nigerians like this gives you confidence that they are protected at all times.
4. Medication and follow-up care
Chronic illness management requires consistent medication. SendCare plans cover prescription drugs, including those for diabetes, hypertension, heart conditions, and other ongoing illnesses.
Following hospital stays or procedures, your parents can receive guidance and support for follow-up care, including check-ups, physiotherapy, and rehabilitation.
5. Ease of use for seniors
Your parents can easily access and manage the plan through the mobile app or website. The interface is simple and clear, so even if they aren’t tech-savvy, they can view their plan, track care, and use features like 24/7 telemedicine without difficulty.
At the same time, you can manage everything from your phone or computer anywhere in the world. You can add family members, monitor care, get real-time updates, and communicate with dedicated account managers.
This way, your parents focus on their health while both of you stay fully connected to their care.
Choosing the right plan by age group
Different ages bring different health priorities, and SendCare offers seniors health plans that help you match coverage to your parents’ needs.
- Ages 55-65: At this stage, coverage should support prevention and ongoing management. If your parents are generally healthy or managing mild chronic conditions like early-stage diabetes, hypertension, or arthritis, a plan like SeniorsPlan provides everyday healthcare, regular check-ups, telemedicine, essential medications, and basic hospital coverage to maintain their health.
- Ages 65-85+: Health needs become more intensive. Hospital visits may be frequent, chronic conditions may worsen, and emergencies become more likely. Choose SeniorsPlan Plus for more frequent monitoring and chronic disease support, or SeniorsPlan Premium if your parents have complex needs that require advanced diagnostics, specialist care, or long-term hospital support.
Simple plan guidance:
- Review your parents’ current health needs and match them to the plan that best supports their care.
- Decide whether a basic, enhanced, or comprehensive plan fits their situation and lifestyle.
- Update or adjust coverage as their health needs evolve to ensure ongoing protection.
All seniors health plans from SendCare include doctor visits, surgery, chronic illness management, dental and eye care, emergency support, 24/7 telemedicine, prescription medications, and pre-existing condition coverage.
Plans start from $70 per person quarterly and can be paid securely in dollars, pounds, or euros using your international card. Once you complete payment, your parents are covered 24 hours later. You can also add multiple beneficiaries and customise coverage individually to match each parent’s needs.
Protect your parents’ health with SendCare today
Take control of your parents’ healthcare no matter where you are in the world. With SendCare, you can provide reliable, senior-friendly coverage that keeps your parents protected here in Nigeria.
Explore flexible health plans for elderly Nigerians that fit their needs and give them access to top hospitals, ongoing treatment, emergency care, and so much more. Click here to start a plan now.
Frequently asked questions
Can I buy a plan for my parents remotely?
Yes. SendCare lets you purchase health coverage for your parents in Nigeria from anywhere in the world. You can pay online using your international card in dollars. Once purchased, your parents are fully covered in Nigeria without needing to take any action.
Are pre-existing conditions covered?
Absolutely. High blood pressure, diabetes, asthma, arthritis, and other chronic conditions are covered from day one. No waiting periods or exclusions. If your parent is managing an ongoing condition, they’re protected immediately.
How do seniors access hospitals?
Your parents simply walk into any of the 1,200+ network hospitals across Nigeria and present their SendCare HMO ID. Hospital staff verify coverage instantly, and treatment begins without upfront payment.
Can plans be upgraded later?
Yes. You can adjust coverage as your parents’ health needs change. Add more beneficiaries, upgrade to more comprehensive plans, or modify coverage anytime through your online dashboard.
How quickly does coverage start?
Your parents can start using their coverage 24 hours after registration. Once you complete payment, your parents can access hospitals the very next day. That’s how fast SendCare activates.
What if my parents live outside Lagos?
SendCare covers Nigeria nationwide. Network hospitals operate in Lagos, Abuja, Port Harcourt, Ibadan, Enugu, Kano, and other major cities. Your parents are protected wherever they live.
Can I add multiple family members?
Yes. You can cover your mum, dad, siblings, spouse, or any loved one in Nigeria. Manage everyone from one account.
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