Frequent customer here and I must say Galaxy Medicals has saved me plenty headache with their managed care setup. As someone always on the road making deliveries, having proper health coverage through them means I don't stress when something happens or I need to see a doctor. The claims process is straightforward which sha most insurance places won't tell you upfront, and their customer service people actually pick up the phone unlike some places. Worth every naira if you want coverage that doesn't give you more problems than it solves.