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Policy Terms

These terms are about the products we offer — our holiday insurance plans and the Omanga wallet — rather than about this website. They explain what you get, who provides it, and what to do when you need to use it.

Effective from

How this differs from our Terms of Use

Our Terms of Use governs your use of omanga.biz — the website. This document governs the products. If you have bought a plan or opened a wallet, this is the page you want.

Your policy document comes first

Where anything here differs from the policy documentation issued to you when you bought cover, that documentation governs. This page is a summary of how our products work, not a substitute for the contract you hold.

Company identity to be confirmed before publication

This document identifies us by our trading name, Omanga. Our full registered company name, company registration (RC) number, and registered office address are not yet published on this site and must be added here before these terms are relied on. The address we publish — Plot 175 Akin Adesola St. Victoria Island, Lagos, Nigeria — is our office; we have not yet confirmed whether it is also our registered office.

1. Who provides what

This is the most important section on the page, because our products are delivered by more than one organisation and knowing which one holds your contract tells you who to go to when something matters.

Omanga
We present the plans, arrange your cover, take your enquiries and support you through claims and problems. We are your point of contact.
Phillips HMO
Provides the holiday health insurance and decides claims against the policy wording. Your insurance contract is with Phillips HMO, not with Omanga.
Fuspay Technologies
Operates the Omanga wallet at https://omanga.useinclude.com/. Your wallet agreement is with Fuspay Technologies, under its own terms.
Paystack
Takes payment for insurance plans on its own hosted checkout pages. Your card details are given to Paystack, never to us.

Payment services and insurance are regulated activities in Nigeria, and each is delivered here by the provider authorised to deliver it. Omanga arranges and supports these services; it does not underwrite insurance and does not itself hold a banking licence.

Fuspay Technologies
Operates the Omanga wallet. Fuspay Technologies is a fully registered microfinance bank holding a banking licence from the Central Bank of Nigeria.
Phillips HMO
Provides the holiday health insurance sold on this site. Phillips HMO is a fully registered insurance provider regulated by the National Insurance Commission (NAICOM).

Licence numbers to be added

The regulator and licence type for each provider are stated above and are correct. The licence numbers themselves — Fuspay Technologies' CBN licence number and Phillips HMO's NAICOM registration number — are not yet published here and should be added so a customer can verify them against the regulators' own registers.

2. Holiday insurance plans

We offer three plans. All three cover hospital admission, diagnostics, emergency assistance and emergency evacuation; the differences are ward type, scan allowances and which hospitals you can be treated at. Prices are in US dollars, per month.

2.1 What each plan includes

Silver — $50 per month, hospital access Category A
24/7 emergency assistance; 15 days admission per trip; basic diagnostic services; emergency evacuation; prescription essential drugs.
Gold — $85 per month, hospital access Category A and B
Everything in Silver, plus private ward admission, enhanced diagnostic coverage, extended eye care coverage and higher surgical limits.
Diamond — $120 per month, hospital access Category A, B and C
Everything in Gold, plus premium hospital access, unlimited CT scans, maximum coverage limits and comprehensive care.

Every plan also includes telemedicine, roaming, 24/7 support and the mobile app. The full side-by-side comparison is on our insurance page, and prices are on our plans page.

Full Phillips HMO policy wording to be added

The summaries above are the plan contents as published on this site. They are not a policy wording. Omanga holds the full policy terms from Phillips HMO and they are to be published on this page, or linked from it as a policy document. Until they are, this page does not state the monetary benefit limits, the surgical limits referred to under Gold, what the hospital access categories mean and which hospitals fall in each, any waiting period, the treatment of pre-existing conditions, the countries covered, the maximum trip length or the exclusions list. Nothing has been drafted in their place, because inventing an exclusion or a limit would mislead a customer at exactly the moment they most need to rely on it.

2.2 When cover starts and how long it lasts

Every plan provides 30 days of cover. Cover begins once your payment is confirmed and ends 30 days later.

Cover does not extend itself. If your trip runs longer than 30 days, or you travel again, you buy cover again for the new period — see section 4, which explains that payment does not recur automatically.

Waiting period and trip extension to be confirmed

The 30-day cover period is settled. Still to state, from the Phillips HMO policy wording: whether any waiting period applies before a claim can be made, and what a customer should do if a trip is extended while they are already abroad and their 30 days is running out.

3. Who can buy cover

Anyone can buy cover, from anywhere. There is no restriction by nationality or by the country you live in.

Nigerian law treats anyone under the age of 18 as a minor. You must be 18 or over to buy insurance cover, to open a wallet or to enter into an agreement with us in your own name. A person under 18 may be covered or may transact only with the consent of a parent or legal guardian, who takes responsibility for the arrangement.

So a parent or guardian may buy cover for a child travelling with them. They buy it in their own name, give consent on the child's behalf, and are responsible for the information given when the cover is arranged.

Upper age limit and health declaration to be confirmed

The minimum age and the absence of a residency restriction are settled. Still to state, from the Phillips HMO policy wording: whether there is a maximum age for cover, and whether any health declaration is required before purchase.

4. Paying for a plan

When you select a plan you are taken to a Paystack checkout page for that plan. Payment is made to Paystack on its page, under its terms. We never see or store your card details.

Prices are shown in US dollars. If your card is denominated in another currency, your bank or card scheme applies its own exchange rate and may charge its own fee, so the amount debited may differ from the price shown. Those charges are not ours and we do not receive them.

Cover is arranged once payment is confirmed. If a payment fails or is reversed, cover may not start or may not continue.

Payment does not recur. We do not store your card for future charges and nothing is taken from you again automatically. Each period of cover is a single payment, and when it ends you decide whether to buy cover again. That is what “No commitment · Cancel anytime” on our plan cards means in practice: there is no subscription to cancel.

5. Cancelling and refunds

There is no commitment and nothing to cancel in the sense of stopping a future charge, because payment does not recur. Once your 30 days of cover end, they end, and you are not charged again unless you buy cover again.

If you want to end cover you have already paid for before its 30 days are up, email us at info@omanga.biz and we will arrange it with Phillips HMO.

Refund policy in preparation

Omanga is writing a refund and cancellation policy and it must be published here. It needs to state: whether any part of a paid 30-day period is refunded when cover is ended early, whether there is a cooling-off period after purchase, whether a refund is possible once a claim has been made, and how long a refund takes to reach the customer. Until it is published, this page does not promise a refund, and no other page on this site should imply one.

6. Making a claim

If you need medical help while travelling, use the 24/7 emergency assistance line provided with your plan. In an emergency, get treatment first.

Claims are decided by Phillips HMO against the policy wording, not by Omanga. We will help you make the claim, chase it and, if you are unhappy with the outcome, take it up on your behalf through our Complaints Procedure.

Emergency assistance number and claims steps to be published

The emergency assistance telephone number for plan holders is to be published here, and kept editable so it can be changed without a code change. Also to be published, from the Phillips HMO policy wording: the deadline for notifying a claim, what evidence is required, whether treatment must be pre-authorised, and how long a decision takes. The site's footer links to a Claims page that does not yet exist. A customer in hospital abroad needs this in one place and needs to find it fast.

7. The Omanga wallet

The wallet is a multi-currency travel wallet, opened and operated by Fuspay Technologies at https://omanga.useinclude.com/. When you open one, you enter an agreement with Fuspay Technologies. Fuspay's own wallet policy governs the account — its funding, its spending limits, its fees, how funds are held and how the account is closed — and it applies to your wallet in place of anything on this page.

Exchange rates and fees applied to wallet transactions are set by Fuspay Technologies and its partners. We do not set them and we do not receive them.

If a wallet transaction goes wrong, come to us anyway. Our Complaints Procedure sets out how we take it up with Fuspay on your behalf and stay in the conversation until it is resolved.

Fuspay wallet policy to be linked

Fuspay Technologies' wallet policy governs the account and this page should link to it directly, so a customer can read the terms they are actually agreeing to rather than being told they exist. Add the link, and with it Fuspay's fee schedule and its statement of how customer funds are held.

8. Your responsibilities

  • Give accurate information when you buy cover. Cover arranged on the basis of wrong information may not pay out.
  • Tell us if your circumstances change in a way that affects your cover.
  • Read the policy documentation issued to you and keep it somewhere you can reach while travelling.
  • Take reasonable care of yourself and your belongings. Cover is not a substitute for sensible precautions.
  • Keep your wallet credentials secure and never share them. We will never ask you for a password.

9. Changes to plans and to these terms

Plans, prices and cover can change. A change does not alter cover you have already paid for during the period it covers. Where a change affects cover you hold, we will tell you before it takes effect.

The effective date at the top of this page tells you which version you are reading.

10. If something goes wrong

Tell us. Our Complaints Procedure sets out how to complain, what happens next and where to escalate — including for complaints about a claim decision, which we will raise with the insurer on your behalf.

12. Contact us

You can reach us by email at info@omanga.biz, through the form on our Contact page, or on WhatsApp using the link published there.

Our office address is Plot 175 Akin Adesola St. Victoria Island, Lagos, Nigeria.