Terms of Service

Terms of Service

Last updated: 03 October 2026

These Terms of Service ("Terms") govern your use of the Medvenient website and services. By creating an account, buying a plan or using telemedicine you agree to these Terms. Please read them carefully.

1. About Us

Medvenient is an insurance company that simplifies how you protect your health. We make health cover affordable and easy to access. By bridging the gap between top-tier providers and everyday consumers, we deliver reliable plans that fit your lifestyle. Our mission is to ensure you can navigate your healthcare options with complete confidence and peace of mind.

Your health cover is provided by our partner insurer(s) or health maintenance organisation(s). The full benefits, limits and exclusions of each plan are those shown on the plan page and in any policy documents we send you. If anything in these Terms conflicts with your policy documents, the policy documents apply.

2. Your Account

You must be at least 18 years old to create an account and buy a plan. You can buy cover for your children under a Family plan.

You agree to give us accurate, complete information and to keep it up to date. You are responsible for keeping your password safe and for all activity on your account. Tell us immediately if you think someone else has accessed it.

3. Plans, Payments & Renewals

Plan prices, benefits and billing periods are shown on our website and may change from time to time. Changes do not affect a plan you have already paid for until it is renewed.

Payments are processed by OPay. Your cover starts only after we receive confirmation that your payment was successful, and it runs for the period of the plan you bought.

Plans do not renew automatically. To keep your cover, renew before your expiry date from your dashboard.

4. Cancellations & Refunds

You can stop using your plan at any time. Because cover starts immediately, payments are generally non-refundable once a plan is active, except where required by law or by your partner insurer's policy terms.

If you were charged in error or more than once, contact us at hello@medvenient.com and we will investigate and refund any amount wrongly taken.

5. Using Your Cover

Hospital visits and claims must follow the process we give you, including using partner hospitals where required. Treatment outside the plan's benefits, limits or network may not be covered.

Making false or misleading claims, sharing your cover with people not on your plan, or otherwise misusing the service may lead to your plan being cancelled without a refund.

6. Telemedicine

Telemedicine consultations are provided by licensed medical professionals. They are suitable for many common health concerns but are not a replacement for an in-person examination when one is needed.

Telemedicine is not for emergencies. If you have a medical emergency, go to the nearest hospital or call 112 immediately.

You agree to give the doctor honest, complete information about your health, to join consultations from a private place, and not to record consultations without the doctor's consent.

7. Acceptable Use

You agree not to misuse our website, for example by trying to access other people's accounts, interfering with our systems, or using the service for anything unlawful.

8. Limitation of Liability

We work hard to keep our service available and accurate, but we cannot guarantee it will always be uninterrupted or error-free. To the fullest extent allowed by law, we are not liable for indirect or consequential losses arising from your use of the website. Nothing in these Terms limits any rights you have under applicable consumer protection law.

9. Changes To These Terms

We may update these Terms from time to time. We will post the new version on this page and change the "Last updated" date. If the changes are significant, we will let you know by email or on your dashboard.

10. Governing Law & Contact

These Terms are governed by the laws of the Federal Republic of Nigeria.

Questions? Contact us at hello@medvenient.com or +234 000 000 0000, Lagos, Nigeria.