W Health Loan
Empowering Women and Families: Affordable Health Financing for Quality Care

About the
W Health Loan
The W Health Loan product is a discounted health financing scheme designed to support women and families with access to quality healthcare.
features
The W Health Loan Advantage
- Provides up to 10 million Naira for health needs.
- Competitive interest rate
- No loan fees are required to be paid by the client.
- Loan repayment tenor of up to 36 months (24 months for business owners)
- Available for local & international treatments.
- Flexible application methods
- Access to expert medical care from partner hospitals
More coverage with W health loan
Health loan has been expanded to cover MHSS, W Medical Emergency Support, and W Cancer Support which covers payments for a wide range of medical procedures available here in Nigeria and abroad.

Maternal Health Service Support
Offers financing 3 major areas:
- Fertility Treatments
- Natal Support (Home & Abroad)
- Paediatric Care
- Specialized Procedure
Up to
₦10 Million
Medical Emergency Support
Extremely time-sensitive medical situations such Accidnets intensive care unit emergencies, and neo-natal care interventions
Up to
₦2 Million
Cancer Support
Designed to ease the financial burden of cancer treatments such as Breast cancer, gynaecological cancers, childhood etc. and diagnostic scans e.g. PET-CT Scan
Up to
₦10 Million
Specialized Procedures include fibroid treatments, hysterectomy, dental implants/braces, optical surgery, orthopaedic, bariatric (weight-loss), medical aesthetic/corrective treatments & surgeries.
Want to learn more? Here are the Frequently Asked Questions
The W Health Loan product is a discounted health financing scheme specially designed to support women and families with easy and convenient options to pay for their healthcare needs. It comes in 3 variants that cover a range of healthcare financing needs for women and children.
It covers local and international treatments for fertility care, natal support (child delivery), pediatric care, fibroid treatments, dental implants/braces, optical surgery, orthopedic, bariatric (weight loss), cancer treatments* and
other specialized procedures. (*Ts & Cs apply)
- Loan amount of up to 10 million Naira for health procedures**
- Highly subsidized interest rate
- No loan fees.
- Flexible repayment plan
- No collateral requirement for salary earners/ Soft collateral requirement for business owners
- Access to our exclusive network of partner fertility clinics and other health service providers in Nigeria (**Ts & Cs apply)
Salary earners and Business owners can apply provided they meet the Bank’s criteria, and the treatment beneficiary is a woman or child. Applications are accepted from a:
• Woman
• Man (applying on behalf of his spouse)
• 3rd party sponsor (a qualified salaried individual/registered business owner willing to access the loan on behalf of the treatment beneficiary)
Salary Earners
- The salary account of the applicant must be opened and domiciled with receipt of at least 1-month’s salary with the Bank.
- 3 satisfactory credit checks
- Confirmed employment status evidenced with confirmation/promotion letter.
Business Owners
- Business must be duly registered, and in operation for at least 1 year evidenced by a 1-year bank statement.
- A business account must be opened and cashflows domiciled with the Bank for at least 30 days.
- 3 satisfactory credit checks
- A minimum annual business turnover of eight (8) Million Naira is required.
- Provide a satisfactory credible guarantor.
Get a 3rd party sponsor (e.g., friend, relative, colleague) who meets the above eligibility criteria to apply on your behalf.
Your spouse can apply on your behalf. Also apart from your spouse, you can get either a 3rd party sponsor to domicile salaries or provide cash collateral covering at least 120% of the loan amount.
All information exchanged under this loan will be handled with utmost confidentiality and will only be available to relevant parties.
It is advised that clients visit their preferred health service provider to get a treatment plan/bill.
Access Bank through the W Initiative has partnerships with experienced medical experts/providers which you can choose from. However, if you already have a medical provider, we can still finance the procedure you need
subject to our eligibility criteria.
The next step is to complete the loan application form, meet the eligibility criteria and provide all loan documents for processing.
Email us at wcares@accessbankplc.com or apply online on www.accessbankplc.com/personal/borrowing/mhss or visit the W Community website www.thewcommmunity.com
Yes, we are pleased to work with licensed and reputable healthcare providers across Nigeria who offer services being financed under the W Health Loans subject to meeting our selection criteria.
Please send an email to wcares@accessbankplc.com to register your interest to become a partner.