General Questions
Income Protection
Claims
HealthCash
Health Insurance
We’re a licensed digital insurance technology and microinsurance company built to provide affordable, convenient, delightful and transparent insurance experience for Nigerians.
Because we are a fully licensed microinsurance company, unlike most insurtechs, we develop products, underwrite, process and pay claims in-house to provide a seamless, hassle-free and enjoyable insurance experience.
Casava is licensed by the Nigerian National Insurance Commission to provide General and Life Microinsurance services to Nigerians. Casava is also registered with the Corporate Affairs Commission (CAC) as a limited liability company.
Casava is primarily sold online through our website or our partners. Subscribers are required to complete their registration and add their card details. Additionally, within 30 days, subscribers are required to complete their verification.
As a subscriber, you can pay by debit card during the registration process or add a new debit card to your Casava account. Your first month subscription is free.
If your debit card is declined, we’ll inform you and try again a few days later. You can also provide us with a different card in your Casava account. However, after a grace period of 2 weeks, your account and coverage will be paused and you will not be able to make a Claim.
If you have a Casava policy, click here to login. Otherwise you can get in touch with our team via [email protected]
To reach Casava about a claim, you may contact us at [email protected]
We will never share, sell or use your personal information with anyone or any entity except for the purposes of insurance underwriting and provision of claims services. We value and respect your privacy
(click here to read our privacy policy)
Casava never stores your card information, all payments for Casava products and services are processed through our payment provider - Paystack.
At the moment, Income Protection is only available to employees of CAC registered organizations. Provided you can show evidence as an employee. However we have other products coming soon.
At Casava Microinsurance Limited (“Casava”, “we” or “us”), we prioritize our relationship with our customers . It is important to us that we are transparent about the way we handle your personal information. Accordingly, our Privacy Policy (“Privacy Policy”) is designed to help you understand how we collect, use and safeguard the information you provide to us and to assist you in making informed decisions when using our Services as defined below.
This Privacy Policy applies to all our Services through our mobile applications, websites and our social media handles on any platform. It also applies to your interaction with us through other means such as customer service, contracts for the provision of our services and direct conversations. We advise that before you provide any personal information or continue on this application or website, you should read this Privacy Policy. We also advise you to constantly review it in light of any changes we may make. Nevertheless, we will notify you once we make changes to our Privacy Policy. Please do not access or use any of our Services if you do not agree with the terms of this Privacy Policy or any of the other policies.
For the purpose of this policy, “Site” refers to Casava’s website which can be accessed at http://casava.co/; or our mobile application; “Service(s)” refers to Casava’s products and services accessed via the Site and any other platform Casava may use.
• What Personal Information do we collect?
Please note that we only collect Personal Information
which you voluntarily submit to us to enable us
adequately serve you. “Personal Information” is any
information that personally identifies an individual or
from which an individual could be identified. This may
include your name, address, email address, telephone
number and other information about you that you provide
us through the registration process at the Site. We
collect, use, store and transfer personal information to
manage our relationship with our customers, employees,
business partners and other third parties and to serve
them better. We process personal information in
compliance with the Nigeria Data Protection Regulation
2019 (NDPR). We may collect and process personal
information through a variety of means, including,
through your access to our Services on the mobile
application or our website, employment processes, during
conversations or correspondence with our representatives
and comments on our websites or social media platforms.
Also while using our mobile application, the following
information may be collected from your device
automatically: details of your device, unique device
identifiers (IMEI or serial number), information about
the SIM card, mobile network, operating system and
browser settings. We may also require location
information from your device GPS. You will be required
to grant consent to enable the mobile application to
access your mobile GPS. Turning off your location may
render some of our Services unavailable. Furthermore, we
may use in-app analytics technologies to help improve
and simplify the overall app, design and Services. These
tools track aggregated information about installations,
in-app usage, performance measures, better reporting on
application failures and uninstallations.
• What Non-Personal Information do we collect?
We collect information that cannot be used to personally
identify you such as anonymous usage data, preferences
you submit and preferences that are generated based on
the data you submit.
To maintain and improve the quality of our Service to
you, we track information provided to us by your browser
when you view or use the Service, such as the type of
browser you use, the device from which you connected to
the Service, the time and date of access, and other
information that does not personally identify you. We
track this information using cookies. A cookie is a
piece of information that is deposited on your
computer’s hard drive by your web browser when you use
our computer server. The cookies enable us to recognise
you and give us information about your previous visits.
We learn which advertisements bring more users to our
mobile application or website. Most browsers accept
cookies automatically, but usually, you can alter your
settings to prevent automatic acceptance. If you choose
not to accept cookies, this may disable some of the
features of our application or website. Our servers may
also automatically collect information about your
computer when you visit our website, including the type
of browser software you use, the operating system you
are running, the website that referred you, and your
Internet Protocol address.
• How do we use your Personal Information?
The personal information you supply is used to provide
you with the Service you have requested; to respond to
your inquiries, or in such other ways naturally
associated with the circumstances in which you provided
the information. For example, we may use your e-mail
address to provide an update on our Services.
We also use the device information we collect to protect our customers from service-related crimes, improve the Services we offer and understand how our customers use our Services. We use the other information we collect for any lawful business purpose, (including without limitation to help diagnose problems with our servers, to gather broad demographic information and to otherwise administer our website).
We may use your personal information to provide support services you have purchased from us including technical support. In the process of providing our Services, we may also have incidental access to information about your organization’s employees, customers, partners, or suppliers (collectively “Customer Data”). We shall ensure we protect your Customer Data in accordance with this Privacy Policy.
• How do you consent to our use of your Personal
Information?
To access our Services, you will be required to confirm
you understand this Privacy Policy and to register your
consent by clicking “I Agree”. Kindly note that the
buttons will register your consent to:
a. this Privacy Policy;
b. the transfer of your information as described above;
and
c. the processing of your information for marketing and
advertising purposes.
• Does Casava share my information with others?
Casava retains service providers, suppliers, and
partners to manage or support our business operations,
provide professional services, deliver customer services
and solutions, and otherwise process the information on
our behalf. We may, therefore, share your personal
information with these third parties solely for the
purpose of providing our Services to you. We may also
share anonymous and non-personally identifiable
information with advertisers and marketers. However, it
is our practice to require such service providers,
suppliers and partners to handle personal data and other
confidential information in a manner consistent with our
policies. We reserve the right to use, transfer, sell
and share aggregated, anonymous data about our customers
as a group for any business purpose, such as analysing
usage trends and seeking compatible advertisers and
partners.
We may also share your information to satisfy legal or regulatory requirements but only to the extent required for that purpose.
In addition, as our business changes, we may buy or sell various assets. In the event all or a portion of the assets owned or controlled by us are sold, assigned, transferred or acquired by another company, the acquiring company would have access and control over your information and would continue to be bound by this Privacy Policy unless amended.
• How long will your Personal Information be kept?
We take every reasonable step to ensure that the
information we collect from you is only processed for
the minimum period necessary for the purposes set out in
this Policy.
We will retain your personal information only for as long as is necessary in connection with the purposes set out in this Policy, unless any applicable law requires a longer retention period. Also, we may retain your personal information for the duration of any period necessary to establish, exercise or defend any legal rights.
• Where will your Personal Information be kept?
Though we maintain appropriate administrative, technical
and physical safeguards over your information, your
information may be transferred to and stored outside
Nigeria. It may be processed by staff operating outside
Nigeria. It may be transferred to third parties outside
Nigeria. Nevertheless, we will ensure that we only
transfer it to countries with similar or better data
protection regulations as Nigeria. We will also take
steps reasonably necessary to ensure that your data is
treated, stored and processed securely and in accordance
with this Privacy Policy. By proceeding with our
Services, you consent to this transfer.
• How is your Personal Information protected?
We restrict access to your information to our employees
and others who require it to provide our products and
Services. We also maintain electronic and procedural
safeguards to protect your information.
Although we will endeavour to properly protect your information, these measures do not guarantee that your information will not be accessed, disclosed, altered or destroyed while being transmitted or while stored on our systems. By using our Service, you acknowledge that you understand and agree to assume these risks. In the unlikely event that we believe that the security of your information in our possession or control may have been compromised, we may seek to notify you. If notification is appropriate, we may notify you by e-mail, provided we have your e-mail address.
In addition, your account is protected by your account password. Please ensure you do not disclose your password to third parties, and you log out of your account after each use.
Notwithstanding anything to the contrary in this Privacy Policy, we reserve the right to disclose any personal or non-personal information about you if we are required to do so by law, and if we believe that such action is necessary to: (a) fulfil a government request; (b) conform with the requirements of the law or legal process; (c) protect or defend our legal rights or property, our website, or other users; or (d) protect the health and safety of our website’s users, our customers or the general public.
• How can you prevent the use of Personal Information?
You have the right at any time to prevent us from
contacting you for marketing purposes. When we send a
promotional communication to you, you may choose to
opt-out of further promotional communications by
following the unsubscribe instructions provided in each
promotional e-mail.
• What are your rights in relation to your Personal
Information?
Your information is protected under the NDPR and your
rights are stated in it. You are entitled to request
details of the information we hold about you and how we
process it. You also have a right to: (i) have the
information we hold about you rectified or deleted; (ii)
restrict our processing of that information; (iii) stop
unauthorised transfers of your personal information to a
third party; and (iv) in some circumstances, to have
personal information relating to you transferred to
another organisation. You also have the right to lodge a
complaint in relation to our processing of your personal
information with a regulatory authority.
• Will Cassava ever change this Privacy Policy?
As our Services evolve, we may need to update our
policy. We will notify you of significant changes to our
Privacy Policy by sending a notice to the primary email
address specified in your account or by placing a
prominent notice on our Site. Significant changes will
take effect 30 days following such notification.
Non-material changes or clarifications will take effect
immediately. We encourage you to periodically check the
Site and this privacy page for updates.
• Other Links / Sites
Our mobile application or website may contain links to
other third-party websites that we do not control or
maintain. We are not responsible for the privacy
practices employed by those third-party. We will notify
you once you are leaving our website to enable you to
decide whether to proceed or not. We advise you to read
the privacy statements of all third-party websites
before submitting any personal information.
• CONTACT DETAILS
You may contact our data privacy team via the following
email address
[email protected]
Enjoy unlimited access to all our benefits once you get
covered.
You’ll get paid in less than 48 hours after you
file a claim.