Zuma HMO

Zuma Health Trust Limited is a leading Health Maitenance Organization (HMO) offering Social Health Insurance Coverage for all Nigerians.

Contact Info

No 856, Olu Awotesu St.
Jabi, Abuja
(234) 0814000 0653
(234) 0814000 0657

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Privacy Policy

Zuma Health Trust Limited Privacy Policy.

Privacy Policy

We are committed to protecting your personal information, therefore, your personal information will be treated as strictly confidential. If you want to use services via our Website, collection and processing of personal data could become necessary. By using our sites, you agree to the collection, use and disclosure of your personal information. Occasionally we may need to vary our privacy policy. You should check our Website from time to time to view our most up to date privacy policy

We collect personal information directly from you when you:

  • Chat with any of our personnel on our website
  • Purchase a health insurance plan (“Plan”);
  • Make a claim; or
  • Contact us by telephone, fax, email, website, our apps or post to make a general enquiry or discuss your Plan or claim.

If you give us personal information about another person who is to be included on your Plan, you should only do so if you have their consent. You must make sure that they have seen a copy of this privacy notice and are comfortable with you giving us their information.

Why do we collect personal information?

The main reason we collect personal information is to enable us to provide you with the Plan you intend to purchase or have purchased and to make sure we administer it correctly and efficiently. Steps are taken to ensure the data we hold is accurate, kept up to date and not kept for longer than is necessary. Measures are taken to safeguard against unauthorised or unlawful processing and accidental loss or destruction or damage to the data.

However, if you believe the information we hold about you is factually incorrect, you can ask us to amend it. In certain circumstances, you can ask us to stop using your personal information – for example if you think the personal information we hold may be inaccurate or you think we no longer need to process it.

What do we use your information for?

Any information we collect from you may be used in one of the following ways:

  • To personalize your experience (your information helps us to better respond to your personal needs).
  • To process transactions.
  • To improve our website (we continually strive to improve our website offerings based on the information and feedback we receive from you).
  • To improve customer service.
  • To send periodic emails. The email address you provide may be used to send you information and updates pertaining to our Plans and services, in addition to receiving occasional company news, updates, related product or service information etc. If at any time you would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email.
  • To administer a contest, promotion, survey or other site feature.

How do we process your information?

We process your personal information for the purposes set out in this privacy notice. We normally process standard personal information if this is necessary to provide the services set out in a contract, it is in our or a third party’s legitimate interests or it is required or allowed by any law that applies.

Do we disclose your information to third parties?

We do not sell, trade, or otherwise transfer to third parties, your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site polices, or protect ours or others rights, property or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising or other uses. We also disclose information where:

  • It is necessary to establish, make or defend legal claims;
  • It is necessary for the purposes of preventing or detecting an unlawful act in circumstances where we must carry out checks without your permission so as not to affect the outcome of those checks;
  • It is necessary for a purpose designed to protect the public against dishonesty, malpractice or other seriously improper behaviour;
  • It is in the public interest, in line with any laws that apply;
  • It is information that you have made public; or
  • We have your permission.

Your consent

By using our Website, you consent to our privacy policy.

Automatically Collected Information

When you use our Website, we automatically collect certain computer information by the interaction of your mobile phone or web browser with our Website. Such information is typically considered non-personal information. We also collect the following:

  • Cookies

    Our Website uses cookies to identify the areas of our Website that you have visited. We use cookies to personalize the Content that you see on our Website. We do not place personally identifiable information in Cookies. Most web browsers can be set to disable the use of Cookies. Please note that if you disable Cookies, you may not be able to access functionality on our Website correctly or at all.

  • Phone Number and Contact

    Reliance Health uses phone numbers as unique identifiers so that it is easy for you to share your unique referral link and earn money via our referral program. We ask your permission before syncing your contacts. We do not store your contacts data, as this is not required. We only use the data to enable you select from your contacts who you think may be interested in our service. From the selected parties, we would only use their first name and phone number to send the referral invite.


Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network. You can opt-out of having made your activity on the service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript from sharing information with Google Analytics about visits activity. For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page here

Payments processors

We provide paid products and/or services on our Website. In that case, we use third-party services for payment processing (e.g. payment processors). We will not store or collect your payment card details. That information is provided directly to our third-party payment processors whose use of your personal information is governed by their Privacy Policy.

Questions, comments and requests regarding our privacy policy should be sent to info@zumahealthtrust.ng