Family (Maximum of 6)

COVERED SERVICES

TOPAZ

SAPPHIRE

EMERALD

RUBY

DIAMOND

Medical emergency services

Covered

Covered

Covered

Covered

Covered

Outpatient services

General consultation + one specialist

General + Specialist consultation (5)

General + Specialist consultation (10)

General + Specialist consultation (15)

General + Specialist consultation

Inpatient medical services
 

General ward (10)

General ward (12 days cumulative)

General ward semi private ward (15 days cumulative)

Semi private ward (18 days cumulative)

Private ward

Malaria

Covered

Covered

Covered

Covered

Covered

- TYPHOID

Covered

Covered

Covered

Covered

Covered

- ENDOCRINE / METABOLIC DISORDERS

Covered

Covered

Covered

Covered

Covered

- MEASLES

Covered

Covered

Covered

Covered

Covered

- ALLERGIES

Covered

Covered

Covered

Covered

Covered

- CHICKEN POX

Covered

Covered

Covered

Covered

Covered

- URINARY TRACT INFECTION

Covered

Covered

Covered

Covered

Covered

Uncomplicated urinary tract infection

Covered

Covered

Covered

Covered

Covered

- PEPTIC ULCER DISEASE

Covered

Covered

Covered

Covered

Covered

Acute exacerbation of peptic ulcer disease

Covered

Covered

Covered

Covered

Covered

- INDIGESTION 

Covered

Covered

Covered

Covered

Covered

- UPPER AND LOWER RESPIRATORY TRACT INFECTION

Covered

Covered

Covered

Covered

Covered

Pneumonia

Covered

Covered

Covered

Covered

Covered

Bronchitis

Covered

Covered

Covered

Covered

Covered

Influenza

Covered

Covered

Covered

Covered

Covered

Viral Croup

Covered

Covered

Covered

Covered

Covered

Bronchiolitis

Covered

Covered

Covered

Covered

Covered

Tonsillitis

Covered

Covered

Covered

Covered

Covered

- ASTHMA

Covered

Covered

Covered

Covered

Covered

Catarrh and cold

Covered

Covered

Covered

Covered

Covered

HIV/AIDS investigation for confirmation

Covered

Covered

Covered

Covered

Covered

INVESTIGATIONS


PCV

Covered

Covered

Covered

Covered

Covered

MP

Covered

Covered

Covered

Covered

Covered

WIDAL

Covered

Covered

Covered

Covered

Covered

FBC + DIFF

Covered

Covered

Covered

Covered

Covered

SERUM PREGNANCY TEST (BLOOD)

Covered

Covered

Covered

Covered

Covered

URINE PREGNANCY TEST (URINE)

Covered

Covered

Covered

Covered

Covered

ESR

Covered

Covered

Covered

Covered

Covered

RBS/FBS

Covered

Covered

Covered

Covered

Covered

URINALYSIS

Covered

Covered

Covered

Covered

Covered

M/C/S (URINE, SPUTUM, CSF, WOUND SWAB)

Covered

Covered

Covered

Covered

Covered

E/U/CR

Covered

Covered

Covered

Covered

Covered

BLOOD GROUP AND GENOTYPE

Covered

Covered

Covered

Covered

Covered

HBSAg

Not Covered

Covered

Covered

Covered

Covered

HBV / HCV

Not Covered

Not Covered

Covered

Covered

Covered

H. PYLORI

Not Covered

Not Covered

Covered

Covered

Covered

COOMB’S TEST

Not Covered

Not Covered

Covered

Covered

Covered

BLOOD CULTURE

Not Covered

Not Covered

Covered

Covered

Covered

PERIPHERAL BLOOD FILM

Not Covered

Not Covered

Covered

Covered

Covered

CLOTTING PROFILE

Not Covered

Not Covered

Covered

Covered

Covered

BLEEDING TIME

Not Covered

Not Covered

Covered

Covered

Covered

INR

Not Covered

Not Covered

Covered

Covered

Covered

D- DIMER

Not Covered

Not Covered

Covered

Covered

Covered

FECAL OCCULT BLOOD

Not Covered

Not Covered

Covered

Covered

Covered

FERRITIN LEVELS

Not Covered

Not Covered

Covered

Covered

Covered

HbA1c

Not Covered

Not Covered

Covered

Covered

Covered

LFT

Not Covered

Covered

Covered

Covered

Covered

KFT

Not Covered

Covered

Covered

Covered

Covered

MATERNITY AND CHILD SERVICES


Confirmation of pregnancy

Covered

Covered

Covered

Covered

Covered

Antenatal Care (from 12 weeks)

Covered

Covered

Covered

Covered

Covered

Management of labour and delivery

Not Covered

Covered

Covered

Covered

Covered

Surgical intervention

Not Covered

Covered

Covered

Covered

Covered

Postnatal care

Not Covered

Not Covered

Covered

Covered

Covered

Febrile convulsions

Covered

Covered

Covered

Covered

Covered

Routine immunization services

Covered

Covered

Covered

Covered

Covered

ICU/SCBU (1st 24Hrs and monetary limit 50,000)

Not Covered

Covered

Covered

Covered

Covered

SURGICAL SERVICES


Minor Procedures

Covered

Covered

Covered

Covered

Covered

Intermediate procedures

Not Covered

Covered

Covered

Covered

Covered

Major procedures

Not Covered

Surgical limit = 150,000 for individual

Surgical limit = 200,000 for individual

Surgical limit = 400,000.00 for individual

Surgical Unlimited

EYE SERVICES


Basic eye examination (only)

Covered

Covered

Covered

Covered

Covered

Stye

Covered

Covered

Covered

Covered

Covered

Conjunctivitis

Covered

Covered

Covered

Covered

Covered

Ocular allergies

Covered

Covered

Covered

Covered

Covered

keratitis

Covered

Covered

Covered

Covered

Covered

Optical Lens Limit (Biennial)

5000

10000

15000

30000

50000

Eye surgeries (minor)

Not Covered

Covered

Covered

Covered

Covered

Eye surgery (intermediate)

Not Covered

Covered

Covered

Covered

Covered

Eye surgeries (Major)

Not Covered

Not Covered

Not Covered

Not Covered

Not Covered

DENTAL CARE


TREATMENT OF MINOR AILMENTS

Covered

Covered

Covered

Covered

Covered

Gingivitis

Covered

Covered

Covered

Covered

Covered

Scurvy

Covered

Covered

Covered

Covered

Covered

Tooth pain

Covered

Covered

Covered

Covered

Covered

Simple Extraction

Covered

Covered

Covered

Covered

Covered

Routine pain management

Covered

Covered

Covered

Covered

Covered

Amalgam filling

Not Covered

Covered

Covered

Covered

Covered

Scaling and polishing

Not Covered

Covered

Covered

Covered

Covered

Denture and bridges

Not Covered

Not Covered

50% Covered

60% Covered

80% Covered

RCT

Not Covered

Not Covered

Covered

Covered

Covered

Surgical extraction

5000

10000

15000

30000

50000

RADIOLOGICAL SERVICES


X-rays and Ultrasound

Covered

Covered

Covered

Covered

Covered

CT Scan & MRI (50% co-payment)

Not Covered

Emergency Only

Emergency + Once

Emergency + Once

Twice

Echocardiography

Not Covered

Covered

Covered

Covered

Covered

Electrocardiography

Not Covered

Not Covered

Not Covered

50% Covered

70% Covered

Doppler scan

Not Covered

Not Covered

30% Covered

50% Covered

70% Covered

PHYSIOTHERAPY


Sessions

0

3

5

10

15

MEDICAL CHECK UP


Annual Medical Examination

Not Covered

50% copayments on investigation

45% copayment on investigations

35% copayment on investigations

15% copayment on investigations

PRESCRIBE MEDICATION

Generic

Generic

Generic

Branded

Branded

ADDED BENEFITS


Family planning services

Covered

Covered

Covered

Covered

Covered

Renal dialysis (Monetary limit of 30,000)

Not Covered

Not Covered

Not Covered

Covered

Covered

Infertility consultation, investigation and non-hormonal drug management

Not Covered

Not Covered

Not Covered

Covered

Covered

Blood pressure, diabetes and sickle cell anaemia can be managed based on the plan of choice.

Not Covered

Covered

Covered

Covered

Covered

ADDITIONAL BENEFITS


Feeding (N1500.00 Per day)

Covered

Covered

Covered

Covered

Covered

Gym services

Not Covered

Not Covered

Once a week

Twice a week

Thrice a week

Ambulance services

Not Covered

Hospital to Hospital only

Hospital, accident scene

Home, accident scene, and Hospital to Hospital

All services within the country

Mortuary services

Not Covered

Five Days

Ten Days

Fifteen days

Twenty days

PREMIUM PER ANNUM


Family (Maximum of 6)

₦102,000

₦140,000

₦260,000

₦600,000

₦1,000,000

ADDITIONAL DEPENDANT EACH

₦20,000

₦30,000

₦55,000

₦140,000

₦240,000

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