Doctor consultations
Enrollees see a licensed doctor by video, voice or chat. Cover every consultation package or only the ones you choose.
For HMOs
A doctor in every enrollee’s pocket, on your terms.
Give your members online consultations, lab result interpretation and prescribed medicines at the price you agree. Every covered service becomes a claim you can check, billed on one invoice.
Already a partner? Sign in to the HMO portal
What your members get
Care that fits the plans you already sell.
Choose which services each plan covers. Members see their HMO price before they book, so there are no surprises at checkout or on your invoice.
Lab result interpretation
Members upload their lab results and a doctor explains them in plain language, billed to you under the same agreement.
Prescribed medicines
Medicines from an e-prescription are ordered from partner pharmacies, with your plan paying its share up to the limit you set.
Usage limits you control
Cap uses per month, per year or per contract. Once a member reaches the limit, they pay the normal price or the booking is refused. You decide.
One claim per service
Every covered visit or order creates a claim with the enrollee code, service date and amounts, so you never reconcile from screenshots.
Your own partner portal
Your team signs in at hmo.instantdoctor.co to manage members, review claims and invoices, see your plan benefits and follow a full activity history.
How it works
From application to your first member.
Apply here, and we register your HMO and give you a login. Your team manages members from the partner portal after that.
01 Apply on this page
Tell us about your HMO and the services you want to cover. Our partnerships team reviews your application and gets in touch to agree plans and tariffs.
02 We register your HMO
We set up your HMO and a coverage rule for every service on each plan, then email your admin a login for the HMO partner portal.
03 Sign in and add members
Sign in at hmo.instantdoctor.co, set your own password and add your enrollees one by one or in bulk. Each covered service becomes a claim on your invoice.
Flexible coverage
A rule for every service, on every plan.
Different plans can cover different things. Set the agreed tariff we bill you, cover a single consultation package or all of them, and exclude anything you don’t want to pay for.
- Fully covered: The member pays nothing, and we bill you the agreed tariff.
- Fixed co-pay: The member pays a set amount, such as ₦1,000, and you cover the rest.
- Percentage co-pay: The member pays a share, such as 20%, and you cover the rest.
- Member discount: Members get a reduced price that is not billed to you.
- Fixed member price: Members pay one agreed price that is not billed to you.
Claims and invoices
Every naira accounted for.
Each covered consultation, lab interpretation or medicine order creates a claim with the enrollee code, date and amounts. Claims are grouped into invoices with a clear due date.
- Standard price, member payment and HMO amount shown on every claim
- Reject a claim and the invoice total updates automatically
- A shared activity log of who changed what, on your team and ours
For your enrollees
Linked in seconds, from the app.
Members who sign up with the phone number or email on your list are linked automatically. Anyone else enters the enrollee code from their card and confirms one detail you hold on file.
- Membership is only linked when the details match your list
- A code already in use is never handed to a second account
- Anything unclear is checked by our team first
Apply to partner
Let’s talk about your members.
Tell us about your HMO. Once we have agreed plans and tariffs, we register your HMO and send your admin a login for the partner portal.
- Licence-checked doctors, available around the clock
- Members added one by one or imported in bulk
- Monthly invoices with a claim behind every line
- Member data visible only to your team and ours
Already registered? Sign in at hmo.instantdoctor.co. Prefer email? Write to contact@instantdoctor.co.
FAQ
Common questions.
Something else on your mind? Our support team is happy to help.
What does an HMO partnership with Instant Doctor include?
Your enrollees get access to licensed doctors by video, voice and chat, doctor interpretation of their lab results, and prescribed medicines from partner pharmacies, all inside the Instant Doctor app. You choose which services each plan covers and how much members pay, and we bill you only for covered use.
How are services priced and billed?
Each plan has a coverage rule for every service: fully covered, a fixed or percentage co-pay, a member discount or a fixed member price. Agreements are priced in naira. Every covered service creates a claim, and claims are grouped into invoices that you pay within the payment terms in your agreement, 30 days by default.
How do our enrollees get their HMO benefits in the app?
If an enrollee signs up with the phone number or email on your member list, their membership is linked automatically. Otherwise they choose your HMO under “Link my HMO”, enter the enrollee code on their card and confirm their surname, phone number or date of birth. Anything that cannot be confirmed is reviewed by our team before it is linked.
Can we limit how often members use a benefit?
Yes. Each rule can have a usage limit per month, per year or per contract, and for medicines a maximum amount your plan pays in each period. When a member reaches the limit, they either pay the standard price or are stopped from booking under the plan, depending on what you choose.
Can we review or dispute claims?
Yes. Every claim shows the enrollee code, service, date, the standard price, what the member paid and what is billed to you. Your team can review claims and invoices in the partner portal, and a claim you reject is removed from the invoice total.
How do we get access to the HMO partner portal?
Apply on this page. Once we have agreed your plans and tariffs, we register your HMO and email your admin a login for hmo.instantdoctor.co. You will be asked to choose a new password the first time you sign in, and your admin can then invite the rest of your team.
Who on our team can use the partner portal?
You can invite as many colleagues as you need, each with a role. Admins manage the team and your organisation’s details, managers also add, update and import members, and viewers have read-only access to claims, invoices, members and benefits.
What happens when a member leaves our plan?
Mark them as suspended or ended in the portal, or set an end date on their membership. Their coverage stops straight away and the app shows them standard prices again. Coverage also only applies inside each plan’s contract dates.
Already an HMO member?
Download Instant Doctor and link your HMO from your profile to see your covered prices. Need help? Visit support.