Insurance & Billing
Transparent pricing, insurance support, and financial assistance — because cost should never stand between you and care.
Our Commitment to Financial Transparency
We believe financial uncertainty should never add to the burden of a cancer diagnosis. At Afri-German, you will always know your costs before treatment begins. We work hard to maximise insurance benefits, offer flexible payment options, and ensure hardship never prevents access to care.
Accepted Insurers
Insurance Partners
We work with all major Nigerian HMOs, NHIA, and international health insurers. If yours isn't listed, please call us — we will verify your coverage.
International insurance also accepted. Contact our billing team to verify.
No Surprises
How Billing Works
Insurance Verification
Before your first appointment, our billing team verifies your insurance coverage and pre-authorises treatment where required.
Cost Estimate
You receive a clear, written cost estimate before treatment begins. No hidden fees, no surprises.
Treatment & Invoicing
Treatment is delivered. Invoices are itemised and transparent, with codes your insurer requires.
Claim Submission
Our billing team submits claims directly to your insurer on your behalf, minimising your administrative burden.
Co-pay / Balance
Any remaining balance after insurance is communicated clearly. Payment plans are available.
No One Left Behind
Financial Assistance Programme
We firmly believe that no patient should be denied life-saving care because of financial circumstances. Our Financial Assistance Programme provides:
What's Typically Covered by Insurance
Coverage varies by plan. Verify with our billing team before treatment.
Billing FAQs
Does NHIA cover cancer treatment at Afri-German?
Yes, we accept the National Health Insurance Scheme (NHIS). However, some advanced treatments, certain drugs, and specialist procedures may require co-payment. Our team will advise you before treatment begins.
What if I don't have insurance?
We treat all patients regardless of insurance status. Self-pay patients receive itemised invoices and can access our financial assistance programme and flexible payment plans.
How do I submit a claim?
For most insurers, we submit claims directly on your behalf. Simply provide your insurance details at registration. For reimbursement-type plans, we provide all documentation you need to file your claim.
Is there financial help for patients who can't afford treatment?
Yes. Our Financial Assistance Programme offers subsidised or waived treatment costs for qualifying patients. Please speak confidentially to our social worker or Patient Navigator to apply.
Can I pay in instalments?
Yes, we offer structured payment plans for out-of-pocket costs. These are arranged on a case-by-case basis by our billing team in consultation with you.
Speak to Our Billing Team
Our billing specialists are available to answer any financial questions, verify your insurance, or help you access financial assistance.