Got any question?

24/7 Support: 0700 HALLMARKHMO (0700 42556275466)

Got any question?

24/7 Support: +0700 HALLMARKHMO (0700 42556275466)

Frequently Asked Questions


If I don’t utilize my policy benefit for the whole year, do I enjoy any kind of refund?


Can I change my hospital, if necessary?

Yes. Individual clients will need to send email to us at But for Corporate clients, such request will have to come through the company (client) Human Resources Manager

If I am outside my station, do I enjoy medical coverage?

Yes, you only need to call the customer care line at the back of your medical ID card.

How do you monitor the quality of treatment at the hospital?

Through feedback from enrollees either immediately after receiving care or receipt of mail from us confirming treatment received during the last visit to the hospital.

What should I do if my family members are not living in the same location?

You can choose any hospital for each member of your family, but it must be from the list of hospitals within our network.

Can I Substitute a dependent for another before the end of the period covered (Insurance Year)?

No, health insurance policies are not transferable from one insured to another.

If I misplace my medical ID card, what should I do to replace it?

You can notify us of the loss of the card and request for a replacement. You will, however, need to pay the sum of five hundred naira (=N=500.00) only for the ID card replacement.

Can I buy health insurance plan(s) for my parents and/or siblings?

Yes, this is acceptable. The premium to be paid by each of them will depend on their existing/prevailing health condition. You may contact our customer care centre for further enquiry.

Can I introduce any good hospital that is not on your current hospital Network?

Yes, but the hospital must meet our minimum requirements as stipulated by the NHIS (National Health Insurance Commission).