The honest answers. Filtered by what you actually want to know.
35+ questions, organised by category. Pick a topic on the left, browse on the right. Still stuck? Our care line answers in under 5 minutes.
How quickly can I start using my plan?
Activation is same-day for individuals and 48–72 hours for corporate groups. Your digital card is live before you finish signing up. Plastic cards arrive within 5 working days in Lagos, Abuja, and Port Harcourt.
Do I need a referral to see a specialist?
On Essential, Premium, and Corporate plans, no referral is needed for in-network specialists. Lite plan requires a GP referral for some specialities.
Can I keep my current doctor?
If your doctor practices at any of our 1,800+ accredited hospitals, yes. Search by their name on the providers page to confirm.
How do I download my digital card?
After enrolment, the digital card is in your member dashboard at members.veohmo.ng. You can also save it to Apple Wallet or Google Wallet.
Is there an app?
Yes — veoHMO is on iOS and Android. Find a hospital, book a telemedicine call, view your benefits, and download claim receipts from one place.
What if I move to a different state?
Coverage works in all 36 states and the FCT — no change needed. Update your home address in the member dashboard so we can route emergencies correctly.
Talk to a real person.
Our care line is staffed 24/7 by people who live here. Average pick-up time: 4 minutes, 12 seconds.