BettaCare — Health Cover Built for Nigerian Life
From ₦500/month, every Nigerian — market women, drivers, artisans, business owners, office workers and students — can access quality healthcare across 1,000+ hospitals and clinics nationwide.
Healthcare shouldn't be a luxury
Nigeria's 133 million people in the informal economy — the market women, commercial drivers, artisans, and self-employed Nigerians who drive our economy — have long been excluded from quality healthcare access. BettaCare was designed to fix that.
No employer. No salary slip. No paperwork. Choose a plan, download the BettaLyfe app, get your digital health card, and walk into any hospital in our network — covered.
How BettaCare Works
Three steps between you and quality healthcare cover.
Choose Your Plan
Browse Individual, Parents, or Family plans from AXA Mansard and NEM Insurance. Plans start from ₦6,000/year.
Download the App
Activate your plan on the BettaLyfe app, complete your profile, and receive your digital BettaCare health card instantly.
Get Care
Walk into any BettaCare network hospital, present your digital card, and get treated — no cash upfront, no paperwork delays.
Find your perfect BettaCare plan in 2 minutes
Tell us about yourself. Our AI analyses every available plan from AXA Mansard and NEM Insurance and picks the best one for your age, health conditions, and budget.
Everything your health needs, covered
Every plan includes these core protections — regardless of which provider you choose.
Wide hospital network
Over 1,600 hospitals across all 36 states — from teaching hospitals in Lagos and Abuja to clinics near your market, farm, or campus. Tier 1 through Tier 5 depending on your plan.
Telemedicine — see a doctor anywhere
Farmers in rural areas, traders in the market, students on campus — see a licensed doctor from your phone without travelling. Included on all NEM plans and AXA Value Care and above.
Emergency evacuation for road workers
Emergency medical transport from roadside to hospital, hospital to hospital, and a free Uber or Bolt ride home after treatment. Critical for commercial drivers and outdoor workers.
Full maternity cover for women
Antenatal visits, normal delivery, C-section, and six weeks postnatal care. Plus routine immunisation for newborns — BCG, OPV, HBV, Measles, Pneumococcal, and Yellow Fever.
Injury & surgery cover for artisans
Work injuries, minor and major surgery, physiotherapy sessions for recovery — all included depending on your plan. Higher-tier plans cover surgery up to ₦1,000,000 per year.
Chronic disease management
Drug refills for diabetes, hypertension, asthma, and other long-term conditions — common among older parents and market workers. Covered up to ₦200,000/year on higher plans.
Mental health for students & workers
Outpatient psychiatric consultations and stress management support. Up to 8 weeks of sessions on AXA plans — especially relevant for students and workers under financial pressure.
Buy on WhatsApp — no smartphone app needed
Market women, traders, and farmers can buy a plan, check their coverage, and talk to a doctor — all from a regular WhatsApp message. No app download, no data bundle, no forms.
Pay the way you earn
Weekly payments for individual plans — ideal for daily earners like market traders and artisans. Monthly, quarterly, 6-month, or annual options available for all plan types.
Find a BettaCare Hospital Near You
Search across 1,000+ hospitals, clinics and health facilities in our network.
Nigeria's healthcare gap is real — and closeable
Nigeria has around 3.8 doctors per 10,000 people — far below the WHO-recommended minimum of 10. With 34,000 health facilities serving over 220 million people, the system is stretched. Access is uneven. Cost is a barrier. But the infrastructure is there.
BettaCare partners with NHIA-regulated insurers to put the cost certainty and network access that corporate employees take for granted into the hands of every Nigerian — starting from ₦500 a month.
