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Healthcare International

FBNInsurance Partners With Collinson To Launch International Health Insurance Plan

FBNInsurance, a Nigerian life insurer and a member of the SANLAM group, has partnered with Collinson to launch SmartHealth International, a market specific international health insurance product for critical medical conditions. 

Addressing the health insurance gap in the Nigerian market between domestic and international health insurance products, FBNInsurance and Collinson have collaborated on the design of SmartHealth International, which will deliver a suite of new affordable health insurance products aimed at Nigerian employers desirous of protecting and giving peace of mind to its employees and their families.

NAICOM approved, SmartHealth International, is designed to complement local healthcare cover by providing cover for treatment abroad should an employee or family member develop a critical medical condition that cannot be adequately treated in Nigeria.

FBNInsurance, a leader in Life insurance in the country, delivers products that help customers enjoy the peace of mind that comes from managing the risks of everyday life and the introduction of a health insurance proposition complements its portfolio strategy. With national presence in strategic geographical locations across the country, FBNInsurance will market SmartHealth International across Nigeria, whilst partnering with Collinson to leverage its in-house international insurance and assistance expertise to provide international access to an extensive network of Collinson certified medical providers.

Understanding the drivers for affordability, and at a time when provision for adequate healthcare and peace of mind has never been more top of mind, SmartHealth International is an affordable solution for the treatment of complex and critical care treatments. The proposition has been designed to cater for  specific critical complex medical events such as cancer and those requiring renal, orthopaedic and neurosurgery, as well as serious trauma injuries sustained in road traffic accidents. These collectively are the primary medical conditions for which Nigerians are currently leaving the country to seek medical care abroad.

Each case will be individually case managed and assessed, working closely with attending doctors in conjunction with Collinson’s expert international medical team. Depending on the level of cover purchased, eligible policyholders will be flown to South Africa, India or the UK, and even North African countries, where Arabic speaking is required.  

Speaking about the Launch, the Managing Director/CEO of FBNInsurance, Val Ojumah said “At FBNInsurance, one of our primary objectives is to help people, businesses and communities get back on their feet when the unexpected happens and it has never been more pertinent than now to offer our customers more choice and peace of mind when it comes to their healthcare. We are delighted to be launching this proposition in partnership with Collinson. Our teams have collaborated to develop a unique and affordable international healthcare solution that not only caters for critical medical conditions that cannot be adequately cared for in Nigeria, but also delivers innovation locally across health insurance product design”.

In addition, Lawrence Watts, Head of Insurance at Collinson, commented “Our health and the health of our loved ones has never been more top of mind and so Collinson is proud to be partnering with FBNInsurance to give their Nigerian clients access to optimum international healthcare whilst maintaining value for money. At a time when the demands of even the best of healthcare systems globally are under pressure, it’s vital to provide healthcare alternatives to consumers, particularly in markets where we have identified a gap between domestic and international cover.”

 

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Nigeria Travel Advice and Warnings: Kidnapping Of A French National In Northern Cameroon, Near Nigerian Border 14 November 2013

Around 117,000 British nationals visit Nigeria each year. Take out comprehensive travel and medical insurance before you travel to Nigeria. Make sure your policy covers you for the type of travel you’re proposing to undertake.

Boko Haram have issued a statement claiming responsibility for the kidnapping of a French national in northern Cameroon, near the Nigerian border, on 14 November 2013.

In May 2013 the Nigerian government declared a state of emergency in Borno, Yobe and Adamawa states. Military operations against Boko Haram are ongoing in these states. Retaliatory attacks following these operations have occurred and more are likely. Ansaru has carried out a number of kidnap attacks in Nigeria. Boko Haram held hostage a family taken from neighbouring Cameroon. There is a heightened threat of kidnap due to Nigeria’s support for the military intervention in Mali. Recent attacks have occurred in the north, but could occur anywhere in Nigeria:

  • a British construction worker, held hostage in Nigeria, is believed to have been killed, together with six other foreign nationals. Ansaru claimed responsibility for the abduction of all 7 in Bauchi state on 16 February 2013;
  • in December 2012 a French national was kidnapped in Katsina State, reportedly from a residential compound. Ansaru claimed responsibility for the attack: he subsequently escaped on 17 November 2013;
  • in February 2013, 7 French tourists were kidnapped in Cameroon, near the Nigeria border. They are believed to have been held in Nigeria by Boko Haram and were released on 18 April 2013;
  • in 2012 a Lebanese national was kidnapped in Kaduna State. His Lebanese colleague was killed during the abduction;
  • in January 2012 a German national was kidnapped in Kano and killed in the city on 31 May 2012
  • in May 2011 a British national and an Italian national were kidnapped together in Kebbi State. Both hostages were killed in Sokoto on 8 March 2012. Ansaru are believed to have been responsible for their deaths.

The long-standing policy of the British government is not to make substantive concessions to hostage takers. The British government considers that paying ransoms and releasing prisoners increases the risk of further hostage-taking.

Boko Haram

Boko Haram is an Islamist extremist group in Nigeria that has been proscribed by the UK as a terrorist organisation. The group aspires to establish Islamic law in Nigeria, to destabilise the Nigerian government and to remove western influence from the country. The group has been widely linked with Al Qaeda in the Islamic Maghreb. Boko Haram regularly mounts attacks in northern Nigeria. The majority of attacks occur in the north east, particularly in Borno and Yobe states where Boko Haram’s operating base is.

There has, however, been a significant number of attacks in other Nigerian states and further attacks could occur anywhere. Attacks primarily target Nigerian government and security institutions, police stations and places of worship. Public places and international interests have also been targeted.

In August 2011, Boko Haram launched an attack against the United Nations building in Abuja killing 23 people. Further attacks against western interests are possible.

 

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Travel Advice Nigeria

Around 117,000 British nationals visit Nigeria each year. Take out comprehensive travel and medical insurance before you travel. Make sure your policy covers you for the type of travel you’re proposing to undertake.

Flash flooding can occur during the wet season (June to October). There is a greater risk from water-borne diseases during the rainy season.

On 14 May, the Nigerian Government declared a State of Emergency in Borno, Yobe and Adamawa States. Military operations are now ongoing in the 3 States and curfews have been announced.

There is a high threat from terrorism in Nigeria.

There is a threat of retaliatory attacks following the declared state of emergency and subsequent military operations in Nigeria. There is also a threat of retaliatory attacks in Nigeria due to its participation in the intervention in Mali.

There is a high threat of kidnap throughout Nigeria. Recent terrorist kidnaps have occurred mostly in northern Nigeria, but could occur anywhere in Nigeria. Kidnaps can be for financial or political gain, and can be motivated by criminality or terrorism.

The level of consular assistance available to British nationals in areas where we advise against all or all but essential travel is limited.

Demonstrations and civil unrest can occur at short notice. Follow news reports and be alert to developments. If you become aware of any nearby protests you should leave the area immediately.

A number of curfews are in force. Before considering any travel, take professional security advice. Be vigilant at all times, keep others informed of your travel plans and vary your routines.

You should follow your employer’s security advice, make sure your accommodation is secure and review your security measures regularly. Violent crime is common in the south of the country, including Lagos.

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