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PenCare Initiative - Healthcare Coverage for CPS Retirees

PenCare Initiative

Healthcare Coverage for Eligible CPS Retirees

Access comprehensive healthcare services with the PenCare Initiative – a national healthcare support programme designed specifically for eligible retirees under the Contributory Pension Scheme (CPS).

About PenCare

The PenCare Initiative is a landmark healthcare support programme introduced by the National Pension Commission (PenCom) to improve access to medical services for eligible retirees. Under this initiative, you will be enrolled with a designated Health Maintenance Organisation (HMO) to enable seamless access to healthcare services at no cost to you. Your health and wellbeing are our priority.

Eligibility Criteria

To qualify for PenCare, applicants must:

  • Be a retiree under the Contributory Pension Scheme (CPS)
  • Be 60 years and above
  • Maximum Monthly Pension Requirement of ₦150,000 (One Hundred and Fifty Thousand Naira)
  • Meet any additional verification requirements as may be prescribed by the National Pension Commission (PenCom)

Eligible retirees will be required to complete the application and verification process through the approved PenCom platform.

Key Benefits

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No Cost Healthcare

Access healthcare services from designated HMO facilities at absolutely no cost to you as an eligible retiree.

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Simple Enrollment

Quick and straightforward enrollment process requiring minimal documentation and your explicit informed consent.

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Data Protection

Your personal information is handled with strict adherence to applicable data protection requirements and privacy standards.

Ready to Benefit from PenCare?

Join thousands of eligible retirees who are accessing quality healthcare through the PenCare Initiative.

Have Questions?

Our dedicated Customer Care Team is here to assist you

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Phone Support

02-09461-3333
02-012715000

Available Hours

Monday - Friday
8:00 AM - 5:00 PM

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Need More Info

Contact our team for any clarifications or additional information

ACCESS · ARM Pensions
Secure
Pension Remittance

Generate your virtual account

Enter your RSA PIN to retrieve your dedicated virtual account number to make Personal Pensions plan (ppp) contributions.

Your RSA PIN is printed on your membership certificate starting with PEN. 0 / 15
Format: PEN followed by 12 digits — e.g. PEN100000000000
Virtual account retrieved
Account Number
RSA PIN
Bank
Bank Code
Status
Details provided securely by ACCESS-ARM Pensions
Account Not Found We could not retrieve an account for the PIN entered.
PIN entered
What to check
Make sure you entered your RSA PIN correctly — it starts with PEN followed by numbers.
Your RSA PIN is printed on your membership certificate or welcome letter from ACCESS-ARM Pensions.
This service is only available to registered ACCESS-ARM Pensions clients.