This website is operated by LifeCome HMO Nigeria Limited, a Nigerian company wholly owned by EmergX Capital Partners UK Limited. These terms govern use of the website and its enquiry forms.
LifeCome HMO Nigeria Limited is awaiting final approval of its HMO licence in Nigeria. This website currently provides information and receives enquiries and expressions of interest. It does not offer active membership, sell health cover, collect premiums or provide access to insured services.
Service categories describe areas under development. They are not binding offers or approved benefit schedules. Final eligibility, benefits, exclusions, limits, waiting periods, provider access, prices and commencement arrangements will be communicated before enrolment opens. Approval and launch timing are not guaranteed.
Submitting a form does not create an insurance contract, healthcare entitlement, provider appointment, employer arrangement or other service agreement. No payment is required to register interest. Any future contractual relationship will be subject to separate terms and acceptance through the appropriate process.
Provide accurate information, act within your authority when representing an organisation and use the website lawfully. Do not impersonate another person, submit malicious content, interfere with the website, seek unauthorised access or use forms for fraudulent or abusive purposes.
Do not submit medical records, identity documents, passwords, financial account details or unnecessary information about other people.
Website content is general information and does not provide medical diagnosis, treatment or individual clinical advice. The website and its forms are not emergency services. If you need urgent medical assistance, contact an appropriate emergency healthcare service or facility without waiting for a response from us.
LifeCome Health & Benefits Limited UK is a sister company under the same parent ownership. Each company is a separate legal entity. This relationship does not itself create combined service obligations, UK healthcare access or cross-border cover.
We aim to keep information accurate and current but may correct, update or withdraw content. Third-party websites have their own terms and privacy arrangements. A link does not confirm provider participation or guarantee the availability of services.
The content and branding on this website belong to LifeCome HMO Nigeria Limited or their respective owners. You may view the website and make reasonable personal use of its information. You must not misrepresent ownership, impersonate the company or use protected material unlawfully.
The website may be unavailable because of maintenance, technical issues or other interruptions. Information should be checked with us where accuracy is material to a decision. Nothing in these terms excludes or limits liability that cannot lawfully be excluded or limits any mandatory rights available under applicable law.
Our Privacy Policy explains how we handle information submitted through the website. Optional marketing consent is separate from sending an enquiry.
We may update these terms for future website use. Changes do not retrospectively remove rights that have already arisen. These terms are governed by the laws of the Federal Republic of Nigeria, subject to any mandatory rights that apply.