Hospital Class: C
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Treatment of basic outpatient and in-patient cases:
CT Scan:
Admissions & Accomodation: 5 days | 20 days per annum
ICU & ICU-related care: 24 hours
Dental Care: N40,000 limit
Care for babies:
Body Massage:
Surgeries: Up to N120,000 per annum
Cancer Care:
Dialysis and all related care: 2 sessions
After demise compensation:
Hospital Class: B
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Treatment of basic outpatient and in-patient cases:
CT Scan: 1 session
Admissions & Accomodation: 7 days | 25 days per annum
ICU & ICU-related care: 48 hours
Dental Care: N70,000 limit
Care for babies:
Body Massage:
Surgeries: Up to N200,000 per annum
Cancer Care:
Dialysis and all related care: 3 sessions
After demise compensation: N50,000 limit
Hospital Class: A
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Treatment of basic outpatient and in-patient cases:
CT Scan: 2 session
Admissions & Accomodation: 10 days | 30 days per annum
ICU & ICU-related care: 72 hours
Dental Care: N80,000 limit
Care for babies:
Body Massage: 1 SESSION PER YEAR
Surgeries: Up to N450,000 per annum
Cancer Care:
Dialysis and all related care: 5 sessions
After demise compensation: N100,000 limit
Hospital Class: A & A+
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Treatment of basic outpatient and in-patient cases:
CT Scan: 3 session
Admissions & Accomodation: 15 days | 35 days per annum
ICU & ICU-related care: 5 days
Dental Care: N100,000 limit
Care for babies:
Body Massage: 2 SESSION PER YEAR
Surgeries: Up to N650,000 per annum
Cancer Care: Up to N500,000 per annum
Dialysis and all related care: 9 sessions
After demise compensation: N150,000 limit
| SILVER | DIAMOND | GOLD | PLATINUM | |
|---|---|---|---|---|
| GENERAL CONSULTATION (Unlimited) | ||||
| Treatment of basic outpatient and in-patient cases | ||||
| SPECIALIST CONSULTATION (Unlimited) | ||||
| Obstetrician | ||||
| Gynaecologist | ||||
| Pediatrician/Pediatric Surgeon | ||||
| General Surgeon | ||||
| Cardiothoracic Surgeon | ||||
| Neurosurgeon | ||||
| ENT Surgeon (Otorhinolaryngologist) | ||||
| Urologist | ||||
| Orthopedic Surgeon | ||||
| Gastroenterologist | ||||
| Cardiologist | ||||
| Neurologist | ||||
| Nephrologist | ||||
| Psychiatrist | ||||
| Neonatologist | ||||
| Dermatologist | ||||
| Dietician/Nutritionist | ||||
| Pulmonologist/Respiratory Physician/Chest Physician | ||||
| Hematologist | ||||
| Oncologist | ||||
| Pathologist | ||||
| Endocrinologist | ||||
| Family Physician | ||||
| Oral and Maxillofacial Surgeon | ||||
| Rheumatologist | ||||
| ACCESS TO FREE TELEMEDICINE APP (Unlimited) | ||||
| Free chats with qualified and certified Doctors when in need of care during any medical emergency | ||||
| Free chats with qualified and certified Doctors when in need of any routine medical information | ||||
| Free drug Pick-up after concluding chats with qualified and certified Doctors at designated Pharmacies | ||||
| ACCIDENT AND EMERGENCY CARE (Unlimited) | ||||
| Resuscitative care for accident and emergency cases, including basic radiological and laboratory investigations needed to stabilize patient before being moved to the ICU if need be. | ||||
| BASIC DIAGNOSTIC IMAGING (Unlimited) | ||||
| Chest X-Rays | ||||
| Abdominal X-Rays | ||||
| Limbs(Hand,Forearm,Upper arm,Thigh and Leg) X-rays | ||||
| Neck X-rays | ||||
| Sinus X-rays | ||||
| Mastoid X-rays | ||||
| Cervical Spine X-rays | ||||
| Skull X-rays | ||||
| Pelvic X-rays | ||||
| Thoracic Inlet X-rays | ||||
| Thoraco-Lumbar X-rays | ||||
| Lumbosacral X-Rays | ||||
| Mandibles/Temporomandibular Joint X-Rays | ||||
| X-rays of All Body Joints | ||||
| Prescribed Routine Ultrasound Scans (Obstetrics; Abdominal, Pelvic, Abdominopelvic, Breast, Testicular/Scrotal, Thyroid, Prostate, Bladder.) | ||||
| ADVANCED DIAGNOSTIC IMAGING | ||||
| Doppler Ultrasound Scan | (1 SESSION PER ANNUM) | |||
| ECG (PRE AND POST EXERCISE) | ||||
| CT Scan | (1 SESSION PER ANNUM) | (2 SESSION PER ANNUM) | (3 SESSION PER ANNUM) | |
| MRI | (2 SESSION PER ANNUM) | (3 SESSION PER ANNUM) | ||
| Echocardiography | (1 SESSION PER ANNUM) | (2 SESSION PER ANNUM) | (3 SESSION PER ANNUM) | |
| Proctoscopy | (1 SESSION PER ANNUM) | (2 SESSION PER ANNUM) | ||
| Sigmoidoscopy | (1 SESSION PER ANNUM) | (2 SESSION PER ANNUM) | ||
| Upper GI Endoscopy | (1 SESSION PER ANNUM) | (2 SESSION PER ANNUM) | ||
| Endoscopic retrograde cholangiopancreatography (ERCP) | (1 SESSION PER ANNUM) | (2 SESSION PER ANNUM) | ||
| Enteroscopy(WHERE COVERED ONLY WITHIN SURGICAL LIMIT) | (1 SESSION PER ANNUM) | (2 SESSION PER ANNUM) | ||
| Gastroscopy(WHERE COVERED ONLY WITHIN SURGICAL LIMIT) | (1 SESSION PER ANNUM) | (2 SESSION PER ANNUM) | ||
| Colonoscopy(WHERE COVERED ONLY WITHIN SURGICAL LIMIT) | (1 SESSION PER ANNUM) | (2 SESSION PER ANNUM) | ||
| Laryngoscopy (Direct and Indirect) | (1 SESSION PER ANNUM) | (2 SESSION PER ANNUM) | ||
| Bronchoscopy | (1 SESSION PER ANNUM) | (2 SESSION PER ANNUM) | ||
| Thoracoscopy | (1 SESSION PER ANNUM) | (2 SESSION PER ANNUM) | ||
| Hysteroscopy | (1 SESSION PER ANNUM) | (2 SESSION PER ANNUM) | ||
| Cystoscopy | (1 SESSION PER ANNUM) | (2 SESSION PER ANNUM) | ||
| Laparoscopy(WHERE COVERED ONLY WITHIN SURGICAL LIMIT) | (1 SESSION PER ANNUM) | (2 SESSION PER ANNUM) | ||
| HEMATOLOGICAL TESTS (Unlimited) | ||||
| Hemoglobin (HB) | ||||
| Packed Cell Volume (PCV) | ||||
| White cell count (Total and Differential) | ||||
| Full Blood Count and differentials (FBC) | ||||
| White Blood Cell count | ||||
| Red Blood Cell/Reticulocyte count | ||||
| Grouping and Cross Matching | ||||
| Genotype (on request by clinician) | ||||
| Blood group (on request by clinician) | ||||
| Erythrocyte Sedimentation Rate (ESR) | ||||
| MCHC | ||||
| MCH | ||||
| MCV | ||||
| Blood Film | ||||
| Blood Pregnancy (Beta HCG) Test | ||||
| CHEMISTRY INVESTIGATIONS (Unlimited) | ||||
| Fasting Blood Sugar | ||||
| Random Blood Sugar | ||||
| 2 Hours Post-prandial Blood Sugar | ||||
| Oral Glucose Tolerance Test (OGTT) | ||||
| Glucose Challenge Test | ||||
| Electrolytes, Urea and Creatinine | ||||
| Lipid Profile (Fasting) (Cholesterol, HDL, LDL, Triglyceride Profile)(on request by clinician) | ||||
| Liver Function Test (LFT) | ||||
| Serum Sodium | ||||
| Serum Calcium | ||||
| Serum Magnesium | ||||
| Serum Potasium | ||||
| Serum Lithium | ||||
| Serum Chloride | ||||
| Serum Bicarbonate | ||||
| Serum Alkaline Phosphate | ||||
| Serum Acid Phosphate | ||||
| Serum Inorganic Phosphate | ||||
| Serum Bilirubin (Total and Direct) | ||||
| Serum Albumin | ||||
| Serum Lactate Dehydrogenase | ||||
| Serum Gamma Glutamyl Transferase | ||||
| Prothrombin time (PT/INR) | ||||
| Urine Pregnancy Test | ||||
| MICROBIOLOGY AND PARASITOLOGY | ||||
| Malaria Parasite (MP) | ||||
| Urine M/C/S | ||||
| Endocervical Swab (ECS) M/C/S | ||||
| High Vaginal Swab (HVS) M/C/S | ||||
| Urethral Swab M/C/S | ||||
| Throat Swab M/C/S | ||||
| Ear Swab M/C/S | ||||
| Wound Swab M/C/S | ||||
| Eye Swab M/C/S | > | |||
| Sputum M/C/S | ||||
| Aspirates M/C/S | ||||
| Stool M/C/S | ||||
| VDRL (Veneral Disease Research Laboratory) Test (unless where disallowed by diagnosis) | ||||
| H.Pylori | ||||
| Trypanosomes Screening | ||||
| Toxoplasma Screening | ||||
| Skin Snip for Microfilaria | ||||
| Skin Scraping for Fungi | ||||
| Leishmania Screening | ||||
| Mantoux/Heaf's Test | ||||
| Blood Culture | ||||
| Stool Occult Blood | ||||
| ADVANCED LABORATORY INVESTIGATIONS/PATHOLOGY | ||||
| Blood urea Nitrogen | ||||
| Hepatitis B Surface Antigen (HBSAg) | ||||
| (HBA1C) | ||||
| Hepatitis C Screening | ||||
| Hepatitis B Screening | ||||
| HIV Screening | ||||
| HIV Confirmatory Test | ||||
| G-6PD Screening | ||||
| Thyroid Function Tests | ||||
| Serum Uric Acid | ||||
| Creatinine phosphokinase | ||||
| Syphilis Screening | ||||
| Serum immunoglobulins/Antibodies | ||||
| Immunofluorescence assay | ||||
| QBC Malaria Concentration And Fluorescent Staining | ||||
| Pap Smear and Cytology | ||||
| Prostate Specific Antigen | ||||
| Protein Electrophoresis | ||||
| CSF M/C/S (CSF Analysis) | ||||
| Semen M/C/S | ||||
| Serum Iron | ||||
| 24 Hour Creatinine Clearance | ||||
| Osmotic Fragility Test | ||||
| Chlamydia Screening | ||||
| Seminal Fluid Analysis (SFA) | ||||
| Clotting Time | ||||
| Bleeding Time | ||||
| D-Dimer | ||||
| Sputum Acid Fast Bacilli (AFB) Test | ||||
| ADMISSIONS AND ACCOMMODATION | (5 DAYS PER CASE) | (7 DAYS PER CASE) | (10 DAYS PER CASE) | (15 DAYS PER CASE) |
| Feeding for enrollees on admission | ||||
| Hospital Ward Care | (GENERAL WARD ONLY) | (SEMI-PRIVATE WARD) | (PRIVATE WARD) | (PRIVATE WARD) |
| Skilled medical and paramedical services | ||||
| Supply of prescribed intravenous/intramuscular, oral and topical drugs | ||||
| Supply of all medical and surgical consumables | ||||
| Blood grouping, cross matching, and transfusion | ||||
| Accommodation for in-patient care | ||||
| Accommodation for parents/relatives of patients on admission (Excludes feeding for parents/relatives) | (FOR 24 HOURS; LIMITED TO ICU AND NEONATAL CARE ONLY) | (FOR 48 HOURS; LIMITED TO ICU AND NEONATAL CARE ONLY) | (FOR 48 HOURS; LIMITED TO ICU AND NEONATAL CARE ONLY) | (FOR 48 HOURS; LIMITED TO ICU AND NEONATAL CARE ONLY) |
| INTENSIVE CARE | ||||
| ICU and ICU-related Care | (FOR 24 HOURS) | (FOR 24 HOURS) | (FOR 48 HOURS) | (FOR 4 DAYS) |
| EYE/OPTICAL CARE | ||||
| Specialist Opthalmologist Consultation | ||||
| Pharmacological treatment of acute and chronic ocular infections | ||||
| Basic ocular tests (Tonometry/Intra-Ocular Pressure, Refraction, Fundoscopy, Pachymetry, and Slit Lamp) | ||||
| Advanced Ocular tests (Central Visual Field, Indirect Opthalmoscopy, Depth Perception Test, Shirmer's Tear Test, Amsler Test, Retina Photography, OCT Scan, A Scan, B Scan) | 1 SESSION EACH PER ANNUM | 2 SESSION EACH PER ANNUM | ||
| Lenses and Frames (Including Contact lenses) | (UP TO N10,000 ANNUAL LIMIT) | (UP TO N20,000 ANNUAL LIMIT) | (UP TO N30,000 ANNUAL LIMIT) | (UP TO N40,000 ANNUAL LIMIT) |
| DENTAL CARE | ||||
| Specialist Consultation | ALL DENTAL CARE COVERED UP TO ANNUAL LIMIT OF 20,000 NAIRA | ALL DENTAL CARE COVERED UP TO ANNUAL LIMIT OF 30,000 NAIRA | ALL DENTAL CARE COVERED UP TO ANNUAL LIMIT OF 70,000 NAIRA | ALL DENTAL CARE COVERED UP TO ANNUAL LIMIT OF 100,000 NAIRA |
| Routine dental examination | ||||
| Preventive dental care and counselling | ||||
| Dental pain therapy | ||||
| Pharmacological treatment of acute and chronic dental infections | ||||
| Access to prescribed drugs | ||||
| Surgical extraction | ||||
| Non-surgical extraction | ||||
| Root Canal Therapy | ||||
| Scaling and Polishing | ||||
| Operculectomy | ||||
| Gingival Curettage | ||||
| Composite Filling | ||||
| Amalgam Filling | ||||
| Incision and Drainage | ||||
| PHYSIOTHERAPY CARE | ||||
| Specialist Consultation | ||||
| Routine fitness examination | ||||
| Preventive Counselling on referral | ||||
| Cervical Collar and Crutches | ||||
| Access to prescribed drugs | ||||
| Number of Sessions Covered | 4 Sessions per annum | 7 Sessions per annum | 15 Sessions per annum | 20 Sessions per annum |
| OBSTETRICS CARE (FOR FAMILY PLAN HOLDERS ONLY; NOT AVAILABLE FOR THOSE ON INDIVIDUAL PLANS) | ||||
| Antenatal Care (INCLUDING ALL SPECIALIST CARE AND ANC DRUGS) | COVERED | COVERED | COVERED | COVERED |
| Delivery (SVD/NORMAL and COMPLICATED) | ||||
| Delivery (MULTIPLE) | ||||
| Assisted Delivery | ||||
| Therapeutic Abortion (Manual Vacuum Aspiration) | ||||
| CAESARIAN SECTION (EMERGENCY AND ELECTIVE WHEN INDICATED) | ||||
| INFERTILITY CARE | ||||
| Fertility Specialist Consultation and Counselling | (1 SESSION ONLY) | (1 SESSION ONLY) | (1 SESSION ONLY) | (1 SESSION ONLY) |
| Fertility Investigations | (UP TO 30,000 NAIRA LIMIT) | (UP TO 60,000 NAIRA LIMIT) | (UP TO 100,000 NAIRA LIMIT) | |
| INCUBATOR CARE | ||||
| Neonatal / Special Baby Care Unit | (FOR 48 HOURS) | (FOR 72 HOURS) | (FOR 7 DAYS) | (FOR 15 DAYS) |
| NPI IMMUNIZATION (0-5 YEARS) | ||||
| BCG | ||||
| OPV/IPV | ||||
| PENTAVALENT | ||||
| HEPATITIS B | ||||
| DPT | ||||
| VITAMIN A | ||||
| MEASLES | ||||
| YELLOW FEVER | ||||
| ADDITIONAL IMMUNIZATION (0-5 YEARS) | ||||
| CHICKEN POX | ||||
| MENINGITIS | ||||
| MMR | ||||
| PNEUMOCOCCAL | ||||
| ROTAVIRUS | ||||
| ADDITIONAL IMMUNIZATION (6 YEARS AND ABOVE) | ||||
| HEPATITIS B | ||||
| YELLOW FEVER | ||||
| MENINGITIS | ||||
| CARE FOR THE NEWBORN | ||||
| Care for babies actively on the plan | ||||
| Care for babies NOT actively on the plan (Expires after 6 weeks of life) | (UP TO 30,000 NAIRA LIMIT) | (UP TO 40,000 NAIRA LIMIT) | (UP TO 50,000 NAIRA LIMIT) | (UP TO 60,000 NAIRA LIMIT) |
| FAMILY PLANNING | ||||
| Copper T Intrauterine Device | ||||
| Injectibles (Depo Provera,Noristerat) | ||||
| Contraceptive pills | ||||
| Jadelle implant | ||||
| Implanon | ||||
| Norplant | ||||
| GYM | ||||
| GYM SERVICES | (1 SESSION PER WEEK) | (2 SESSION PER WEEK) | (3 SESSION PER WEEK) | |
| SPA | ||||
| Facials | (1 SESSION PER YEAR) | (2 SESSION PER YEAR) | ||
| Body Massage | (1 SESSION PER YEAR) | (2 SESSION PER YEAR) | ||
| SURGERIES | ||||
| MINOR SURGERIES | UP TO 150,000 NAIRA PER ANNUM | UP TO 300,00 NAIRA PER ANNUM | UP TO 650,000 NAIRA PER ANNUM | UP TO 1,200,000 NAIRA PER ANNUM |
| INTERMEDIATE SURGERIES | ||||
| MAJOR SURGERIES | ||||
| CANCER CARE | ||||
| Oncolocgist/cancer Specialist visits | ALL CANCER CARE COVERED UP TO 150,000 NAIRA PER ANNUM | ALL CANCER CARE COVERED UP TO 250,000 NAIRA PER ANNUM | ALL CANCER CARE COVERED UP TO 500,000 NAIRA PER ANNUM | ALL CANCER CARE COVERED UP TO 750,000 NAIRA PER ANNUM |
| Oncological investigations | ||||
| Cancer-realated radiological ivestigations | ||||
| Surgerical cancer care | ||||
| Chemotherapy | ||||
| RENAL CARE(DIALYSIS) | ||||
| Dialysis and all related care | (2 SESSIONS PER YEAR) | (2 SESSIONS PER YEAR) | (5 SESSIONS PER YEAR) | (7 SESSIONS PER YEAR) |
| WELLNESS CHECKS | ||||
| BMI Check | ||||
| Physical Examination | ||||
| General Physical Examination | ||||
| Blood Pressure check (hypertension Screening) | ||||
| Blood sugar Check (Diabetes screening) | ||||
| Serum Cholesterol | ||||
| Annual Visual Acuity Check (Using Snellen Chart) | ||||
| Mammography (For Women > 40 years of age) | ||||
| Pap Smear Every 2years for women above 35 years | ||||
| PSA Check (For Men ≥ 40 years of age) | ||||
| Liver Function Test | ||||
| Kidney Function Tests (E, U, and Cr) | ||||
| Urinalysis | ||||
| Chest X-ray | ||||
| AMBULANCE SERVICES | ||||
| Movement of patients to and fro Hospital | (HOSPITAL TO HOSPITAL: ROADSIDE TO HOSPITAL) | (HOSPITAL TO HOSPITAL) | (HOSPITAL TO HOSPITAL: ROADSIDE TO HOSPITAL: HOME TO HOSPITAL) | (HOSPITAL TO HOSPITAL: ROADSIDE TO HOSPITAL: HOME TO HOSPITAL) |
| PSYCHIATRY CARE | ||||
| Mental illness care with certified psychiatrists(Outpatient care only) | (3 SESSIONS PER YEAR) | (5 SESSIONS PER YEAR) | (8 SESSIONS PER YEAR) | (10 SESSIONS PER YEAR) |
| Stress Management | (3 SESSIONS PER YEAR) | (5 SESSIONS PER YEAR) | ||
| HIV CARE AND TREATMENT AT DESIGNATED SITES | ||||
| Specailist Consultation | ||||
| Specailist Drug therapy | ||||
| Conselling Sessions | ||||
| SEEKING SECOND OPTION | ||||
| Diagnosis confirmation from secondary and tertiary care centers | ||||
| Line of treatment confirmation from secondary and tertiary centers | ||||
| MORTUARY SERVICES | ||||
| After-demise compensation | (UP TO 50,000 NAIRA LIMIT) | (UP TO 100,000 NAIRA LIMIT) | (UP TO 150,000 NAIRA LIMIT) |