Ruby Plan

BENEFITS PLAN

COVERED SERVICES

RUBY

medical emmergency services

COVERED

outpatient services

General + Specialist consultation (15)

inpatient medical services

private ward (25 days cumulative)

malaria

COVERED

-       Typhoid

COVERED

-       ENDOCRINE / METABOLIC DISORDERS

COVERED

-       ALLERGIES

COVERED

-       MEASLES

COVERED

-       CHICKEN POX

COVERED

-       URINARY TRACT INFECTION

COVERED

. Uncomplicated urinary tract infection

COVERED

-       PEPTIC ULCER DISEASE

COVERED

. Acute exacerbation of peptic ulcer disease

COVERED

   -  INDIGESTION

COVERED

-       UPPER AND LOWER RESPIRATORY TRACT INFECTION

COVERED

. Pneumonia

COVERED

. Bronchitis

COVERED

. Influenza

COVERED

. Viral Croup

COVERED

. Bronchiolitis

COVERED

. Tonsillitis

COVERED

-       ASTHMA

COVERED

Catarrh and cold

COVERED

HIV/AIDS investigation for confirmation

COVERED

INVESTIGATIONS

. PCV

COVERED

. MP

COVERED

. WIDAL

COVERED

. FBC + DIFF

COVERED

. SERUM PREGNANCY TEST(BLOOD)

COVERED

. URINE PREGNANCY TEST (URINE)

COVERED

. ESR

COVERED

. RBS/FBS

COVERED

. URINALYSIS

COVERED

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

COVERED

. E/U/CR

COVERED

. BLOOD GROUP AND GENOTYPE

COVERED

. HBSAg

COVERED

. HBV / HCV

COVERED

. H. PYLORI

COVERED

. COOMB’S TEST

COVERED

. BLOOD CULTURE

COVERED

. PERIPHERIAL BLOOD FILM

COVERED

. CLOTING PROFILE

COVERED

. BLEEDING TIME

COVERED

. INR

COVERED

. D- DIMER

COVERED

. FECAL OCCULT BLOOD

COVERED

. FERRITIN LEVELS

COVERED

. HbA1c

COVERED

. LFT

COVERED

. KFT

COVERED

MATERNITY AND CHILD SERVICES

Confirmation of pregnancy

COVERED

Antenatal Care (from 12weeks)

COVERED

Management of labor and delivery

COVERED

Surgical intervention

COVERED

Postnatal care

COVERED

Febrile convulsions

COVERED

Routine immunization services

COVERED

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

COVERED

SURGICAL SERVICES

Minor Procedures

COVERED

Intermediate procedures

COVERED

Major procedures

Surgical limit = 400,000.00 for individual

EYE SERVICES

Basic eye examination (only)

COVERED

. Stye

COVERED

. Conjunctivitis

COVERED

. ocular allergies

COVERED

. keratitis

COVERED

Optical Lens Limit (Biennial)

30,000

Eye surgeries (minor)

COVERED

Eye surgery (intermediate)

COVERED

Eye surgeries (Major)

NOT COVERED

DENTAL CARE

TREATMENT OF MINOR AILMENTS

COVERED

. Gingivitis

COVERED

. Scurvy

COVERED

. Tooth pain

COVERED

Simple Extraction

COVERED

Routine pain management

COVERED

Amalgam filling

COVERED

Scaling and polishing

COVERED

Denture and bridges

60% COVERED

RCT

COVERED

Surgical extraction

30,000

RADIOLOGICAL SERVICES

X-rays and Ultrasound

COVERED

CT Scan & MRI (50% co-payment)

EMERGENCY + ONCE

Echocardiography

COVERED

Electrocardiography

50% COVERED

Doppler scan

50% COVERED

PHYSIOTHERAPHY

Sessions

10

MEDICAL CHECK UP

Annual Medical Examination

35% copayment on investigations

PRESCRIBE MEDICATION

Branded

ADDED BENEFITS

Family planning services

COVERED

Renal dialysis (Monetary limit of 30,000)

COVERED

Infertility consultation, investigation and non-hormonal drug management

COVERED

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

COVERED

PREMIUM PER ANNUM

SINGLE INDIVIDUAL

N170,000.00

FAMILY (MAXIMUM OF 4 )

N600,000.00

ADDITIONAL DEPENDANT EACH

N140,000.00

ADDITIONAL BENEFITS

2500/DAY

Feeding (N1500.00 Per day)

Gym services

Twice a week

Ambulance services

Home, accident scene, and Hospital to Hospital

Mortuary services

Fifteen days