HAPPWD is a voluntary pre-paid health program (PPHP) specifically tailored and structured to meet the needs of Persons living with disabilities. HAPPWD was designed on the basis of evidenced based data and ongoing PWD community health needs.

The PWD community health needs for example include;

Disability friendly services that accommodate a variety of disabilities including hearing impaired supporters (sign language interpreters to assist at hospitals), and those that accommodate visually impaired persons, physically challenged persons and persons with intellectual disabilities (all of whom will require infrastructural, procedural and personnel adaptations to benefit fully from the program)

Hence the HAPPWD program also considers and provides for disability support devices. All registered members upon verification will receive free mobility aids including artificial limbs, motorized wheel chairs, manual wheelchairs, walking frames, body braces, leg braces, spinal braces, speech assistive devices, white sticks (visually impaired only), hearing aids, cochlear implants, and a variety of orthopedic aids for PWDs.  

Furthermore, registered beneficiaries need only contribute minimal amounts on a yearly basis


Redwood Polycare and HORDC are collaborating to revolutionize access to care by PWDs in Nigeria and West Africa



Key objectives of the HAPPWD program have been articulated as


  1. To improve access to affordable health care
  2. To improve access to quality healthcare in private hospitals and tertiary public hospitals
  3. To improve access to specialists and subspecialists for PWDs
  4. To avail PWDs the opportunity to receive critical care abroad whenever needed
  5. To offer financial protection against catastrophic health costs and reduce out of pocket spending




  1. Visually  Impaired- congenital and acquired with partial or complete loss of vision
  2. Hearing impaired- congenital and acquired with partial or complete hearing loss
  3. Physically challenged eg with amputations or joint damage or hemiplegia ( as in stroke)
  4. Albino conditions
  5. Persons with Spinal injuries or nerve damage eg from polio or diabetes
  6. Persons with intellectual disabilities
  7. Persons with bony deformities- extreme bow legs/ club foot
  8. Persons with progressive nervous disabilities eg demyelinating disorders MND, multiple sclerosis
  9. Persons with congenital conditions eg  enzyme deficiencies or spina bifida
  10. Persons unable to achieve the required heights for their ages as a result of pituitary disorders and other genetic stunting conditions that affect growths
  11. Other acquired conditions- eg people with Parkinson’s disease, Sickle cell disease, or epilepsy