A family emergency. A missed workday.
“Oga, I need an advance. I have to take my daughter to the hospital.”
Give your employees access to healthcare from ₦7,000 per quarter.
Give your team 24/7 doctor access for less than the cost of a single sick day.
₦28,000 per employee, per year. Licensed Nigerian doctors for your team and their families.
Get a Custom Quote ↗
Healthcare problems don’t wait until after office hours.
When care is out of reach, work feels it too.
A better offer. One less team member.
She’s moving to a company that offers Koyo care.
A minor illness. Hours in a queue.
A quick health question turns into half a day away from work.
Why Koyo over nothing?
Zero setup costs
Put your budget towards care, not setup fees.
Predictable pricing
₦7,000 quarterly or ₦28,000 yearly for each employee.
Instant access
Once enrolled, your team can reach a doctor whenever they need one.
Have a CSR initiative?
Health outreaches are great. Go further with unlimited access to doctors for as little as ₦28,000 per person, per year.
Get your Quote now ↗Keep your business running.
Stop losing days to minor illnesses, or good talent to competitors.
3 months of access
Choose quarterly ↗12 months of access
Choose yearly ↗Included with either plan
- Unlimited doctor consultations
- One dependent included
- 24/7 access to licensed doctors
- Prescriptions and referrals when needed
Increase productivity. Retain your people.
24/7 access to doctors
Healthcare anytime, anywhere — for everyday questions and concerns.
Healthcare for family
Your employee and one dependent can access care.
Prescriptions & referrals
When treatment goes beyond a virtual consultation, a doctor can refer them for in-person care.
Reduced absenteeism
Help employees get advice without spending hours away from work.
Access for everyone
Include your contract, part-time and probationary staff, and interns.
Improved employee experience
Give people a reason to stay: healthcare that helps them feel cared for.
Rising HMO costs giving you concern?
Cannot put everyone on an HMO plan? Don’t leave them without healthcare access. Put a doctor in their hands.
| What’s included | Koyo | Traditional HMO | Pay out-of-pocket |
|---|---|---|---|
| Talk to a doctor from anywhere | 24/7 access | Provider/network dependent | Pay for each visit |
| Hospital & physical care | Referral when needed | According to plan | Employee pays |
| Everyday health questions | Included | Depends on plan | Employee figures it out |
| Family access | One dependent included | Depends on plan | Employee pays |
| Contract/frontline staff | Can be enrolled | Depends on enrolment/plan | Employee pays |
| Annual cost per employee | ₦28,000 | ₦100,000+* | Unpredictable |
*Illustrative HMO budget for comparison; actual prices and benefits vary by provider and plan. Koyo provides remote doctor access, not hospital insurance.
Questions teams ask us.
Why is this so affordable? What’s the catch?+
Koyo focuses on everyday care delivered remotely. This efficient approach helps keep the price low without the overhead of a hospital visit for every question. Your plan covers remote doctor access; hospital care, tests and medicines are not included unless explicitly stated in your organisation’s plan.
Is Koyo an HMO?+
No. Koyo is a digital healthcare service that gives employees and their families access to licensed doctors remotely. It can complement existing health insurance or provide an additional layer of healthcare access.
Can we use Koyo alongside our existing HMO?+
Yes. Koyo can be used as an additional healthcare benefit, particularly for employees or family members who need convenient access to a doctor.
Who can use it?+
Employees covered by your organisation's Koyo plan, along with their eligible family members according to your organisation's plan.
Can contract employees use Koyo?+
Yes, if your organisation includes them in its Koyo coverage.
What happens when someone needs to see a doctor physically?+
The doctor can advise the user on the appropriate next step, including referral for in-person care when necessary.
Can Koyo handle emergencies?+
Koyo is not a substitute for emergency medical services. Serious or life-threatening situations require appropriate emergency care.
How much does it cost?+
₦7,000 per employee per quarter or ₦28,000 per employee per year.
Can we cover our entire workforce?+
Yes. Speak to the Koyo team about setting up coverage for your organisation.
Let’s get your team covered.
Tell us about your organisation and the people you want to support. We will help you shape a clear, practical care arrangement.
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