Somalia's Healthcare Card

Immediate care,
without immediate
payment

Walk into any partner hospital in Mogadishu. Receive the care you need. Pay within 60 days from your bank account — no insurance, no premiums, no claims.

How it works
No upfront cost No monthly fees Instant access
Emergency
health+ MUKTAR AHMED **** 3456 IMMEDIATE CARE WITHOUT IMMEDIATE PAYMENT
11+
Hospitals
10k+
Trusted customers
$0
Upfront cost

See how Health+ works

Walk into a hospital, get treated instantly, and pay with your card.

11+
Partner HospitalsAcross Mogadishu
60
Days to PayDeferred from your bank
$0
Upfront CostFree to join, free to hold
0
CustomersTrust Health+
Process

Steps to coverage

Step 01
Sign up — free
Any salaried adult signs the membership form. Your card is issued at no cost with zero upfront payment required.
Step 02
Grow with usage
Starts with starter tier and grows with usage. The more you use your card, the more you unlock — higher limits and better discounts, available anytime.
Step 03
Use at any partner hospital
Present your card and 6-digit PIN. Receive any treatment. Walk out without paying a single shilling at the counter.
Step 04
Pay within 60 days
Your bank account is debited within 60 days. Pay in full or arrange a payment plan — entirely on your terms.
Step 05
Pay with flexible payment
Spread your payments over time — request instalments and pay across multiple months instead of all at once.
The difference

Not insurance. Better.

Traditional insurance asks you to pay before you're sick. Health+ works the other way around.

Free
Zero cost to join
No subscription fee, no monthly premium. You only ever pay when you actually receive healthcare.
Instant
No pre-approval, no claims
Walk in, show your card, receive care. The system verifies your membership in seconds — no paperwork.
Deferred Payment
Pay up to 60 days later
Your bill is deferred to your bank account. Pay all at once or split into instalments — your choice.
Flexible Payment
Pay through instalments
Spread your payments over time — request instalments and pay across multiple months instead of all at once.
Shared
The whole family, one card
Share your card and PIN with any family member. One account, one consolidated bill, full coverage for everyone.
Inclusive
Free annual checkup
A full health checkup every year for every member — not an add-on, not excluded. Simply included.
Global
Evacuation to 32 countries
When local care isn't enough, medical evacuation to specialist facilities across 32 international destinations is covered.
Made for

Who uses Health+

Individual
Working professionals
You earn a salary and want access to quality care without draining savings when something unexpected happens.
  • Instant access at 11+ hospitals
  • No emergency cash needed
  • Discounts grow with your usage
Family
Households & families
Share your card with every member of your family. Everyone gets covered under one account, one bill.
  • One card for the whole family
  • No extra fees for sharing
  • Free annual checkup included
Business
Employers & teams
Give your staff access to healthcare as a benefit — no group plans, no monthly employer contributions.
  • Zero employer monthly cost
  • Instant benefit for your team
  • Trusted by Mogadishu businesses
Included

What your card covers

A single card. The full spectrum of care across all partner hospitals.

01
Emergency access
Walk in at any hour. Your card is accepted immediately with no payment at the counter.
Present your card and PIN at reception. The system instantly verifies your membership. You receive full emergency treatment and the bill is deferred automatically for up to 60 days.
Read more
02
Free annual checkup
A full-body health checkup every year, completely free, at any partner hospital.
Schedule your checkup at any partner facility. It does not count toward your spending limit and requires zero payment. Includes standard diagnostics and physician consultation.
Read more
03
Medical evacuation
When local care isn't enough — covered evacuation to 32 countries worldwide.
This benefit connects you to medical transport and referral networks across 32 international destinations when the required treatment is unavailable locally in Somalia.
Read more
04
Deferred payment
Receive care today. Pay within 60 days by bank debit — in full or in instalments.
After receiving care, your invoice is held for up to 60 days. Payment is debited from your nominated bank account. Multi-instalment plans are available on request.
Read more
05
Loyalty discounts
Use your card more — earn more. Up to 20% off hospital rates, auto-applied.
Our algorithm tracks your card usage and automatically calculates a discount from 1% for new members up to 20% for the most active users. No vouchers or claims needed.
Read more
06
Family sharing
Share your card and PIN with anyone in your household. Full access, one bill.
Any person you authorise with your card and PIN can access the full Health+ service. All usage is consolidated into your single monthly statement.
Read more
Spending tiers
Silver 1
$70
Spending limit
Starter
Silver 2
$140
Spending limit
Silver 3
$210
Spending limit
Silver 4
$250+
Spending limit
Network

11 hospitals across Mogadishu

Every facility accepts your Health+ card instantly, around the clock.

Somali Sudanese Hospital
General & Emergency
Aden Adde Hospital
Multi-specialty
Al Ihsan Dr. Shiine Hospital
Specialist Care
Yardemeli Hospital
General Care
Digfeer Hospital
Government Hospital
Gacal Polyclinic
Primary Care
Samakal Hospital
Multi-specialty
Moqdisho Hospital
General & Surgical
Kalkaal Hospital
Specialist Care
Daru Al Shifa Hospital
General Care
Shaafi Hospital
Multi-specialty
Members

What people say

"My daughter needed urgent treatment at 2am. I showed my Health+ card and they admitted her immediately."
Ayaan
Civil Servant, Mogadishu
"I gave the card to my whole family — my mother, my wife, my children. They all used it this year. One card, one bill. I don't know how we managed before Health+."
Mohamed
Civil Servant, Mogadishu
"One year as a Silver 4 member. The 20% discount alone saves me more than any insurance premium would cost — with no monthly fee. The value is genuinely extraordinary."
Hodman
Civil Servant, Mogadishu
FAQ

Common questions

Health+ is a social health protection card — not traditional insurance. It gives you immediate access to care at partner hospitals in Mogadishu, with payment deferred to your bank account within 60 days. No claims, no pre-approvals, no monthly premiums.
Any adult of legal age who receives a regular salary can apply by signing the membership form. The card is free to obtain and there are no credit checks or complex eligibility requirements.
No. The card is completely free to obtain. There are no monthly fees or periodic contributions. You only pay when you actually use healthcare services — and even then, payment is deferred for up to 60 days.
After receiving care, your bill is held for up to 60 days, then debited automatically from your bank account. You may pay in full immediately if you prefer, or request a multi-instalment plan. We accommodate your situation.
The card covers any service available within approved partner hospitals — from emergency treatment and surgery to specialist consultations and diagnostics. There is no predefined list of covered conditions.
There are four tiers: Silver 1 ($70), Silver 2 ($140), Silver 3 ($210), and Silver 4 ($250+). These represent your maximum spending limit per period. You can request a tier upgrade at any time.
Yes — entirely free. Your annual checkup is a standard benefit at every membership tier. It does not count toward your spending limit and requires no payment of any kind.
Yes. Any person you share your card and 6-digit PIN with can access Health+ services. All charges are consolidated into your single account, making it exceptional value for households.
Contact our Call Center immediately at +252 610 945 555 to have your card blocked. A replacement will be issued with the same spending limit. Confirm the opposition in writing with acknowledgment of receipt.
Nothing is charged if you don't use your card. Health+ only generates a bill when you actually receive healthcare services.
You can cancel once any outstanding balance is fully settled. Termination must be notified in writing at least 2 months before the annual expiry date (December 31). The card must be returned upon cancellation.
Still have questions? Call +252 610 945 555
Legal

Terms & Conditions

These conditions apply exclusively within the Federal Republic of Somalia.

Any natural person of legal age formalising their commitment by signing a duly completed membership form becomes "the member." Health+ is not a classic health insurance but rather a concept of social health protection designed to provide accessible care across Somalia.
An electronic card held by the member for entitlement to benefits through approved medical structures. It contains all information necessary for identification of the member, including validity of rights and spending limits. The card remains the property of the issuer. A defective card may be exchanged for a replacement with the same spending limit.
Membership takes effect on the date the member signs the membership form. The minimum subscription period is one calendar year, expiring on December 31. Membership renews automatically unless terminated by written notice at least 2 months before the annual expiry date.
Health+ may modify these conditions with advance notice. Members have 30 days upon notification to terminate their membership in writing. After this period, modifications are deemed accepted and immediately applicable.
All services available within approved medical structures can be covered by the card, up to the authorised spending limit for the member's tier. Any treatment offered at an approved facility is eligible.
Amounts owed are payable at the latest in the month following the service, by automatic bank debit. Members may request a multi-instalment plan. No additional charges beyond the medical facility's rates on the date of service are applied.
Members who fail to comply with these conditions or miss payment deadlines may have services suspended or membership cancelled. Reinstatement requires full settlement of outstanding amounts. Suspension may also occur in cases of fraud or criminal misuse.
Services are provided upon verification of the member's 6-digit PIN or biometric identification within the authorised spending limit. Electronic records constitute proof of operations. Health+ is responsible for losses due to system malfunction under its direct control, but not for unavailability from external factors.
Members must immediately notify Health+ in the event of card theft or loss, confirmed in writing. Operations before a valid opposition are the member's responsibility. Operations after valid opposition are Health+'s responsibility, except those carried out by the card holder.
Members may file a written complaint within 90 days of a disputed transaction. Health+ must produce relevant records within 45 days of a member's request. Any dispute will be submitted to arbitration in accordance with Somali law. These conditions apply exclusively within the Federal Republic of Somalia.

Health+ is ready to protect
your health.

Free to join. Flexible to use. Available now across Mogadishu.

Call +252 610 945 555 · healthplus.com.so
Contact
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