Maternal Health
Service Support (MHSS)

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MHSS FAQs

MHSS is our Maternal Health Service Support specially designed to support women and families with easy and convenient options to pay for their medical procedures. 
This partnership offers access to an affordable IVF Plan that covers drugs, technical fees to carry out a single IVF procedure with an option of financing solutions (MHSS) from Access bank.
The Hygeia IVF Plan offers extra benefits like 30% repayment on loan in case of failure of treatment and access to a Hygeia In-house Doctor.
The plan costs ₦1,500,000 at any of our partner fertility clinics.
Please see list of clinics in Lagos below:

Provider Name

Address

Pre- Procedure Investigation Test Fees (N)

MHSS/Hygeia IVF Plan Price (N)

Lifelink Fertility Clinic

27, Oladapo Bateye Street, off Adekunle Fajuyi road, Ikeja GRA, Lagos.

300,000

1,500,000

Nordica Fertility Centre

106/ 108 Norman Williams Street, South West Ikoyi, Lagos

250,000

Medical ART Center

2nd Floor LoFom House, 21 Mobolaji Bank Anthony Way, Ikeja, Lagos

270,000

Lily-Paelon Memorial

1221 Ahmadu Bello Way, Victoria Island, Lagos

200,000

Georges Memorial Medical Center

6, Rasheed Alaba Williams Street, off Admiralty Way, Lekki Phase I, Lagos

200,000

The following steps are necessary to access the IVF Plan:

  • Complete the Hygeia IVF application form
  • Pay for pre-procedure investigation test with any of our partner fertility clinics into Hygeia Account.
  • Go for investigations and when confirmed eligible for IVF treatment, proceed to pay directly to Hygeia or apply for a discounted loan (MHSS) from Access Bank to pay for the Hygeia One IVF Cycle Plan.
  • Hygeia will then pay to the clinic and you can access the IVF treatment at the same partner fertility clinic of choice.
Pay the investigations test fees to Hygeia after which the investigations would then be carried out by the same fertility clinic of choice to determine the eligibility for IVF and perform the IVF procedure.
All payments for the investigation fees and/ or Hygeia IVF Plan are to be paid directly to HYGEIA HMO LIMITED- HYMAMA (0796065766).

We accept applications from any of the following categories:

  • Salary Earners
  • Business Owners.
Please see pricing in the table below:
Terms Hygeia (One IVF Cycle Plan)
Maximum Tenor 24 months
Maximum Amount N1,500,000
Interest Rate 14% p.a
Facility Fee and Management Fee Not Applicable
Credit Life Insurance 0.5%
USP-Cash back offer (only for unsuccessfulprocedures) 30% of the plan price
The Criteria are as shown in the table below:
Salary Earner Business Owner
Applicant must earn at least N100,000 per month Applicant must open a businessaccount with the Bank and cashflows must be domiciled with the Bank throughout the tenor of the facility
Applicant must be confirmed eligible for IVF treatment from the clinic afterproper investigations Individual must not be more than 55 years' old
>Applicant must not be more than 55 years’ old Applicant must be confirmed eligible for IVF treatment from the clinic after proper investigations
Applicant must be a confirmed staff Business must have existed for at least 1 year evidenced with 1 year bank statement
Debt service ratio must not exceed 33.3% Satisfactory credit checks
Salary account of the applicant must be domiciled with the Bank throughout the tenor of the facility Minimum turnover shall be Five (5) Million Naira
Satisfactory credit checks Provide a credible guarantor
Maximum accessible loan amount will be 75% of applicant's net annual salary  
No, beneficiaries need not be an existing account holder. However, applicant    will need to establish a banking relationship and must meet the eligibility and documentation requirements.
Category MHSS Plan Hygeia Plan
Procedures Covered Fertility Treatments, Child delivery (Local & Int'l), Myomectomy, Hysterectomy, Dental, Bariatric, Orthopaedic treatments etc. IVF only
Maximum Loan Amount N4,000,000 N1,500,000
Tenor Up to 36 months 24 months
Cash Back Not Applicable 30% of the plan price
No of Partner Clinics Not restricted Limited number of clinics in Lagos.
Preliminary Investigations (tests) Required and may be covered by the loan Required but not covered by the loan
Mode of Payment Direct payment to Hospital Direct payment to Hygeia
The following shows the RAC for each category of applicant:
SALARY EARNER BUSINESS OWNER
Duly completed and signed MHSS Loan Application form Business must be registered and should have existed for at least one year
Applicant must earn at least N100,000 net monthly. Minimum annual business turnover is N5,000,000
Statement of Account for a period of 6 months and recent Pay Slip Statement of Business Account for a one-year period
Duly executed employer’s confirmation i.e. confirmation letter/ last promotion letter Duly completed and signed MHSS Loan Application form
Open Salary/ Current Account with the Bank. Open a Business Account with the bank
Receipt of Borrower’s salary into the Borrower’s account with the Lender for at least one (1) month. Provide a credible guarantor/ Fixed deposit investment covering at least 120% of facility amount
Receipt of Employer’s irrevocable undertaking to domicile salaries, allowances and other emoluments of the Borrower throughout the tenor of the facility in form and substance acceptable to the Lender. Receipt of referral from a reputable medical practitioner. i.e. introductory letter from hospital/Hygeia
Receipt of referral from a reputable medical practitioner i.e. introductory letter from hospital/ Hygeia Confirmed Medical Bill from hospital/ Hygeia
Confirmed Medical Bill from hospital/ Hygeia Valid means of Identification
Valid means of Identification (i.e. International Passport/ National Driver’s licence/ National Identity card / Permanent Voter’s card) Receipt of letter of Lien & Set-off from the Borrower.
Receipt of letter of Lien and Set-off from the Borrower Receipt of credit life insurance fee
Receipt of credit life insurance fee Positive credit checks
Positive credit checks  
The turnaround time for loan processing and disbursement is 72 working hours, subject to submission of all required documents.
The acceptable security includes any or a combination of the following:
  • Salary Domiciliation
  • Fixed Deposit (covering at least 120% of obligor’s loan amount)
  • 3rd Party Credible Guarantor
A credible guarantor is one who can meet the under listed conditions:
  • Salary domiciliation/ fixed deposit (at least 120% of the loan amount)
  • Notarized minimum net worth statement estimate of over 120% of the exposure.
  • Personal guarantee
  • Clean credit checks
Yes, provided he/she meets the eligibility criteria.
Apart from your spouse, you can get either a 3rd party sponsor/ guarantor who will domicile salaries or provide cash collateral covering at least 120% of the loan amount.
Interested customers can send an email to womenbankingteam@accessbankplc.com or call 01236-4875/ 01271-2005-7.

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