Payment Policy

Cash: Accepted at the cashier desk for all outpatient and inpatient services.

POS / Card: Debit and credit card payments are accepted at our POS terminals at the hospital.

Bank Transfer: Transfers to Kate Ekphiwre Memorial Hospital's designated account are accepted; your teller reference must be provided to the cashier to confirm payment.

USSD / Mobile Money: USSD bank codes and mobile money transfers are accepted for quick and convenient payments.

Online (Paystack): Invoice payments via our secure online portal are processed through Paystack.

HMO / Health Insurance: See the HMO section below for details.

Consultations: Cancellations made at least 48 hours before a scheduled appointment are eligible for a full refund or rescheduling at no additional charge.

Clinical Services: Fees for clinical procedures, investigations, or admitted care follow the terms set out in your formal invoice or written clinical agreement. Please contact our billing team for specific queries.

Deposits: Where a deposit has been paid for an elective procedure, cancellations within 24 hours of the scheduled time may result in forfeiture of the deposit.

Emergency Services: Emergency and life-saving clinical services are non-refundable once rendered.

Kate Ekphiwre Memorial Hospital works with accredited Health Maintenance Organisations (HMOs). Patients accessing services under an HMO plan must present a valid insurance card and HMO authorisation letter at the point of registration.

Services not covered under your HMO plan are the patient's responsibility and must be settled directly at the cashier before or at the time of discharge.

Kate Ekphiwre Memorial Hospital is not responsible for delays or rejections in HMO authorisation. Treatment deemed clinically urgent will proceed regardless of HMO approval status, and applicable out-of-pocket fees will be billed to the patient accordingly.

Itemised invoices are issued for all billable services. Payment receipts are generated automatically for every payment recorded.

Where applicable, Value Added Tax (VAT) is charged at the prevailing Nigerian statutory rate and is shown separately on your invoice.

Patients requiring a detailed statement of services rendered — for instance, to support an insurance claim — may request one from our billing team at any time.