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MyCoverGenius
A Nigerian digital platform that helps businesses and individuals buy, manage, and claim health, auto, gadget, and travel insurance online.
MyCoverGenius Product Overview
Is MyCoverGenius Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Nigerian SMEs
- Individual policy buyers
What It Does Well
- Online insurance purchase
- Manage policies online
Things to Check
- Insurers on the platform
- Claims turnaround time
About MyCoverGenius
MyCoverGenius is a digital insurance distribution and management platform for Nigerian businesses and individuals who want to buy and manage insurance for staff and assets online.
Key capabilities include:
- Business insurance dashboard to purchase coverage and manage policies in one place, including adding or removing staff, bulk uploads for staff, gadgets, and vehicles, activity tracking for hospital visits and claims, and role-based permissions for business managers.
- Health insurance plans for teams with defined benefits and pricing, including FlexiCare (from ₦18,000 per staff quarterly, inpatient up to ₦550,000, outpatient up to ₦350,000, pharmacy up to ₦100,000, 24-hour telemedicine), ZenCare (from ₦30,000 per staff quarterly, inpatient unlimited, outpatient ₦500,000, cancer care up to ₦1,000,000, 24-hour telemedicine), and PrimeCare (from ₦120,000 per staff quarterly, outpatient ₦1,000,000, cancer care up to ₦3,000,000, 24-hour telemedicine).
- Auto, gadget, and travel cover with clear product options and starting rates, including Comprehensive Cover (from 5.00% of vehicle value per vehicle annually, 3rd party property damage up to ₦3,000,000), Mini Comprehensive (₦25,000 per vehicle annually, accidental damage up to ₦500,000), Third Party (₦15,000 per vehicle annually), Gadget Cover (5.00% of gadget value annually, screen repair or replacement, OEM parts replacement, device replacement for irreparable damage), and Travel Cover (premium based on duration, destination country, and age, including medical evacuation and trip delay compensation).
- Digital claims for faster submission and processing, plus dedicated account manager support and 24/7 hospital support.
Available on Web, with a companion mobile app for employees (Android and iOS). An API is available via MyCover.ai documentation.
Target users include Nigerian startups, SMEs, and larger businesses insuring staff health and company assets, plus individual consumers buying personal cover.
Notable in Nigeria because it operates as a technology and distribution layer, not an insurer, partnering with regulated Nigerian insurance companies and supporting API-driven insurance delivery through the broader MyCover ecosystem.
MyCoverGenius Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataOperates In
Official Links
Pricing & Fees
Variable pricingPersonal: FlexiCare, ZenCare and PrimeCare have multiple prices depending on whether you pay quarterly, bi-annually or annually.
Business: priced per person quarterly, starting from ₦18,000 for FlexiCare, ₦30,000 for ZenCare, and ₦120,000 for PrimeCare, with higher tiers offering broader benefits and higher coverage limits.
As of Oct 5, 2026, MyCoverGenius is rated 5.0 on the App Store from 3 reviews and 4.2 on Google Play from 57 reviews with 5K+ installs.
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Frequently Asked Questions About MyCoverGenius
MyCoverGenius is a digital platform that lets Nigerian businesses and individuals buy, manage, and claim health, auto, gadget, and travel insurance online. You sign up, choose the insurance products you need, then use the web dashboard (and employee app) to add staff or assets, manage policies, and submit claims digitally while partner insurers underwrite the actual cover.
Pricing depends on the type of insurance you choose. For health plans, FlexiCare starts from ₦18,000 per staff quarterly, ZenCare from ₦30,000 per staff quarterly, and PrimeCare from ₦120,000 per staff quarterly; for auto, Comprehensive Cover starts from 5% of vehicle value per year, Mini Comprehensive is ₦25,000 per vehicle per year, Third Party is ₦15,000 per vehicle per year, and Gadget Cover is 5% of gadget value per year, while Travel Cover is priced based on trip duration, destination country, and age.
MyCoverGenius primarily operates in Nigeria and is focused on Nigerian businesses and consumers. Travel insurance can cover trips outside Nigeria but is sold to users based in Nigeria.
You can sign up for MyCoverGenius by visiting the website and creating an account for your business or personal use, then following the onboarding flow to enter your details and select the insurance products you need. Businesses can add staff, vehicles, gadgets, and configure roles directly from the web dashboard once registered.
Yes, MyCoverGenius is available on the web and works with a companion mobile app for employees. The MyCover personal insurance app is available on Android and iOS so staff can access their plans, manage usage, and submit claims from their phones.
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