Stocking your home is one of those expenses you cannot really avoid.
Rice, cooking oil, chicken, pasta, noodles and other essentials have a way of finding their place on your monthly budget, even when you are trying to plan carefully around rising costs and unexpected expenses.
But what if one of those everyday purchases could do a little more for you? What if, while stocking your pantry, you could also get an added layer of financial protection for an unexpected hospital stay?
That is the idea behind the Sundry Care Basket. Sundry Agro has partnered with AllHealthHub and Heirs Life to offer carefully curated food bundles that include complimentary Hospital Cash Cover on eligible purchases.
So, how exactly does it work? What does the Hospital Cash Cover provide, who qualifies, how do you activate it, and what should you know before making a purchase?
Let’s break it down.
You know that feeling when you go to the hospital thinking, “It’s probably nothing serious,” and then they start listing tests, drugs, injections, admission fees and other expenses?
Before you know it, the amount has moved from something you can comfortably pay to “Omo, where are we getting this money from?”
For many families in Lagos, an unexpected hospital bill can throw a serious spanner in the works. You may have your rent sorted, school fees planned, savings on track and your monthly grocery budget in place, but one unplanned hospitalisation can still disrupt everything.
Even people who have some form of health cover can be left worrying about out-of-pocket expenses, what their policy actually covers and whether a particular treatment will be approved.
And honestly, this is why we believe understanding your cover matters just as much as having one.
Because when it comes to something as important as your money, your health and your family’s wellbeing, we’d rather tell you exactly how it works than just tell you to buy it.
What Is the Sundry Care Basket?
The Sundry Care Basket is designed around a simple idea: when you are already spending money to stock your home, that purchase can come with an added layer of protection.
Each basket is carefully curated with everyday food essentials and includes complimentary Hospital Cash Cover on eligible purchases. The cover is provided through our partnership with Heirs Life, while AllHealthHub supports the health and insurance education that helps customers understand how the offer works.
There are three options, so you can choose based on your household’s grocery essentials and how much you want to stock up.
Essentials Bundle — ₦25,000
The Essentials Bundle includes:
- 1L Soy Oil
- 2.25kg Rice
- 5kg Chicken Legs
- 5 packs of Tomato Paste
- 3 packs of Golden Penny Spaghetti
It also includes complimentary Hospital Cash Cover for one year, subject to the applicable terms and successful activation.
Family Bundle — ₦45,000
The Family Bundle includes:
- 3L Soy Oil
- 5kg Rice
- 2kg Chicken Legs
- 10 packs of Tomato Paste
- Indomie 70g Quarter Carton (40 packs)
It also comes with complimentary Hospital Cash Cover for one year, subject to the applicable terms and successful activation.
Premium Pantry Bundle — ₦75,000
If you want to stock up more substantially, the Premium Pantry Bundle includes:
- 5L Soy Oil
- 10kg Rice
- 4kg Whole Chicken
- 10 packs of Tomato Paste
- Indomie Super Pack (20 packs)
Like the other eligible bundles, it includes complimentary Hospital Cash Cover for one year, subject to the applicable terms and successful activation.
The idea is straightforward: choose your groceries, complete your purchase, then complete the activation process for your complimentary cover.
And because insurance can sometimes sound more complicated than it needs to be, let’s look at what the Hospital Cash Cover actually means.
What Does the Complimentary Hospital Cash Cover Mean?
Let’s clear up one important thing first: Hospital Cash Cover is not the same as comprehensive health insurance. It is a cash benefit that may be paid when you are hospitalised and the applicable conditions of the cover are met.
In practical terms, if you experience a covered hospitalisation, the Hospital Treatment Benefit can provide a specified amount of cash to help you manage some of the financial pressure that may come with being away from work, paying for meals and transport, or dealing with other unexpected expenses.
The applicable benefit depends on the insurance plan attached to your eligible purchase. Heirs Life’s Hospital Cash Plan provides Hospital Treatment Benefits within specified limits, subject to the applicable policy terms, eligibility requirements and waiting period.
There is also a Life Insurance Benefit attached to the applicable plans. This is separate from the Hospital Treatment Benefit and is subject to its own policy terms and conditions.
Most importantly, the cover lasts for one year. However, purchasing a basket does not mean your cover is automatically active. You need to complete the activation process after your purchase.
That brings us to the next important question: how do you actually activate your cover?
How to Activate Your Complimentary Hospital Cash Cover
The activation process is straightforward. Once you have purchased an eligible Sundry Care Basket, keep an eye on the email address you used when placing your order.
Here is what happens:
1. Purchase your eligible Sundry Care Basket.
Choose the bundle that works for your household and complete your purchase through Sundry Agro.
2. Check your email.
After your purchase, you will receive an email containing a secure link for your Hospital Cash Cover activation.
3. Provide the required information.
Follow the secure link and submit the information needed to activate your cover.
4. Allow your details to be processed.
Once your information has been submitted, it will be processed for activation.
5. Heirs Life activates your cover.
After your details have been successfully processed, Heirs Life will activate your cover.
6. Receive your confirmation.
You will be notified when your cover is ready.
So, if you purchase a Sundry Care Basket and don’t immediately see an insurance certificate or confirmation, don’t panic. Check your email first and complete the activation process.
And remember: your complimentary Hospital Cash Cover is not active simply because you purchased the basket. Activation is required.
Sundry Care Basket: Helpful to Know
Having an added layer of protection is useful, but it is just as important to understand what that protection does—and what it does not do. The Sundry Care Basket’s complimentary Hospital Cash Cover comes with specific conditions, so we want you to know them before you need to make a claim.
First, the cover lasts for one year, and activation is required after your eligible purchase. In addition, the applicable waiting period and minimum hospitalisation requirement must be met before a Hospital Treatment Benefit can apply.
According to the current Hospital Cash Plan information from Heirs Life, there is a 15-day waiting period for illness, while the hospitalisation benefit requires a minimum of three nights in the hospital, subject to the applicable policy terms and conditions.
This is why we recommend taking a few minutes to understand your cover after activation. Knowing the benefit, waiting period and exclusions upfront means you are not trying to figure everything out during an already stressful situation.
Sundry Care Basket: What Isn’t Covered?
Like any insurance product, the Hospital Cash Cover has exclusions. These are important because the cover is not intended to apply to every type of medical treatment or hospitalisation.
The current exclusions include:
- Pre-existing conditions
- Hospitalisation for pregnancy, maternity and fertility-related treatments
- Cosmetic treatments and plastic surgery
- Refractive-error corrective procedures
- Experimental, investigational or unproven procedures or treatments
- Hospitalisation resulting from self-inflicted injuries
These exclusions are subject to the applicable insurance policy terms and conditions.
Therefore, if you have a specific medical condition or treatment in mind and you are unsure whether it is covered, don’t assume. The best thing to do is contact Heirs Life for clarification based on your specific policy.
Sundry Care Basket: Who Handles What?
Because the Sundry Care Basket involves three partners, you may naturally wonder who to contact when you have a question.
The simplest way to think about it is this:
Sundry Agro handles your groceries.
From your basket selection and payment to order fulfilment and delivery, Sundry Agro manages the grocery side of your experience.
AllHealthHub helps you understand the journey.
AllHealthHub supports health and insurance education, campaign communication and the customer experience around the partnership.
Heirs Life handles your insurance.
Questions about your Hospital Cash Cover, activation, benefits, exclusions and claims are handled by the insurance team.
So, if your chicken is missing from your delivery, talk to Sundry Agro. If you’re asking whether a particular hospitalisation qualifies for a claim, that’s a question for Heirs Life.
This separation helps us get you to the right person faster—and, more importantly, ensures you receive accurate information rather than a guess from someone who shouldn’t be interpreting your insurance policy.
Frequently Asked Questions About the Sundry Care Basket
You may still have a few questions before choosing your basket. Here are some of the things customers are most likely to want to know.
Is the Hospital Cash Cover free?
The approved term is complimentary Hospital Cash Cover. It is included with eligible Sundry Care Basket purchases, subject to the applicable eligibility requirements, activation process and policy terms.
Is my cover activated as soon as I buy the basket?
No. Your eligible purchase gives you access to the complimentary cover, but you must complete the activation process before the cover is activated.
After your purchase, you will receive an email with a secure link to provide the information required for activation.
How long does the cover last?
The complimentary Hospital Cash Cover lasts for one year, subject to the applicable terms and successful activation.
Can I claim immediately after activation?
A waiting period applies to illness. The current Hospital Cash Plan information states a 15-day waiting period for illness, while the hospitalisation benefit requires a minimum of three nights in the hospital, subject to the applicable policy terms.
Does the Hospital Cash Cover pay my entire hospital bill?
No. Hospital Cash Cover should not be confused with comprehensive health insurance. It provides an applicable cash benefit when the conditions of the cover are met, rather than promising to pay every hospital expense.
What happens if I have a pre-existing condition?
Pre-existing conditions are listed among the exclusions under the Hospital Cash Plan. If you have a specific question about your circumstances, it is best to contact Heirs Life for clarification.
Does the cover include pregnancy or maternity-related hospitalisation?
No. Hospitalisation for pregnancy, maternity and fertility-related treatments is excluded under the published Hospital Cash Plan.
Who should I contact if I have an insurance question?
For questions about your insurance activation, coverage, exclusions or claims, contact Heirs Life. For questions about your grocery order, payment, delivery or the contents of your basket, Sundry Agro is here to help.
Sundry Care Basket: Food for Today. Protection for Tomorrow.
At Sundry Agro, we know that grocery shopping is not just about filling a shopping cart. It is about making sure there is healthy food at home when your family needs it, saving yourself another trip to the market, and making everyday life a little easier.
But life doesn’t always follow the plan.
An unexpected hospital stay can bring expenses you weren’t prepared for. And while the Sundry Care Basket cannot take away the uncertainty that comes with those moments, the complimentary Hospital Cash Cover gives eligible customers an additional layer of financial protection to understand and activate.
That is what makes this partnership meaningful to us. You are taking care of today’s needs while also putting something in place for tomorrow.
So, if you are already planning your next grocery run, why not make it count for a little more?
Ready to Stock Your Home?
Choose the Sundry Care Basket that works for you, complete your purchase, and follow the activation instructions you receive by email.
Stock your home. Activate your cover. Take one more step toward being prepared.
Shop the Sundry Care Basket →
Hospital Cash Cover is subject to eligibility, activation, waiting periods, exclusions and the applicable insurance policy terms and conditions.