Our Flexible plans for everyone
| PLANS → | BUDGET | BUDGET-PLUS | STANDARD | EXECUTIVE |
|---|---|---|---|---|
|
SERVICES ↓ |
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EMERGENCY SERVICES |
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|
Local evacuation to Hospital |
Covered |
Covered |
Covered |
Covered |
|
Emergency Drug and Investigations (Restricted to Resuscitative Drugs & Routine Investigations) |
Covered |
Covered |
Covered |
Covered |
|
OUTPATIENT SERVICES |
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General Consultation |
Covered |
Covered |
Covered |
Covered |
|
Specialist Consultation (After Due Referral) |
Covered |
Covered |
Covered |
Covered |
|
Routine Laboratory tests (Baseline Investigations: FBC, MP, Urinalysis & Widal, M/C/S,) |
Covered |
Covered |
Covered |
Covered |
|
Provision of Prescribed Drugs as per coverage (Total Exclusion of, Cancer Drugs.) |
Covered |
Covered |
Covered |
Covered |
|
Physiotherapy (subject to coverage) |
Covered. Maximum of 5 Sessions Per Annum at selected Hospitals |
Covered. Maximum of 10 Sessions Per Annum at selected Hospitals |
Covered. Maximum of 20 Sessions Per Annum. |
Covered. Maximum of 30 Sessions Per Annum. |
|
Supportive Orthotics (Corset Neck Collar) |
Not Covered |
Covered |
Covered |
Covered |
|
Gymnasium Services-at Selected Fitness Centres (For Principals only) |
Covered |
Covered |
Covered |
Covered |
|
INPATIENT SERVICES |
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Admission |
Covered for open ward. Maximum of cumulative 20 days/annum. |
Covered for open ward. Maximum of cumulative 25 days/annum. |
Covered for Open and Semi-Private Wards. Maximum of cumulative 30 days/annum. |
Covered for Open, Semi-Private, and Private Wards. Maximum of cumulative 40 days/annum. |
|
General Doctor Review |
Covered |
Covered |
Covered |
Covered |
|
Specialist Doctor Review (After Due Referral) |
Covered |
Covered |
Covered |
Covered |
|
Medical and Nursing Care |
Covered |
Covered |
Covered |
Covered |
|
Drugs and Infusions as Prescribed |
Covered |
Covered |
Covered |
Covered |
|
Laboratory investigations as Prescribed (Routine) |
Covered |
Covered |
Covered |
Covered |
|
Blood Transfusion |
Covered |
Covered |
Covered |
Covered |
|
COVERAGE FOR MANAGEMENT OF LONG STANDING/ CHRONIC MEDICAL CONDITIONS: Hypertension, Diabetes, Asthma, Spondylosis, Sickle Cell Anaemia, Seizure Disorders, Stroke, CVA, Allergies, Glaucoma Medical Treatment, Autoimmune Disorders, ETC. |
Not Covered |
Not Covered |
Covered |
Covered |
|
Glaucoma Surgical Treatment |
Not Covered |
Not Covered |
Not Covered |
Covered |
|
MATERNITY SERVICES (For Principal and Spouse Under Family Plan Only) |
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Antenatal Care (From 12 weeks Gestational Age) |
Covered |
Covered |
Covered |
Covered |
|
Cervical Cerclage |
Not Covered |
Not Covered |
Covered |
Covered |
|
Pregnancy Induced Hypertension Up to 1 Month After Delivery(Pre- Eclampsia/Eclampsia) |
Covered |
Covered |
Covered |
Covered |
|
Incubator Care for Premature Babies. at Selected Hospitals |
Covered- Max of 5 days |
Covered – Max of 7 days |
Covered |
Covered |
|
Phototherapy for Babies |
Not Covered |
Not Covered |
Covered –Max of 1 week |
Covered – Max of 2 weeks |
|
Exchange Blood Transfusion for Neonates. at Selected Hospitals |
Covered |
Covered |
Covered |
Covered |
|
Normal Delivery |
Covered |
Covered |
Covered |
Covered |
|
Conduction of Labor and Assisted Delivery |
Covered |
Covered |
Covered |
Covered |
|
C/S (Emergency and Medically Indicated Electives) |
Covered (Limit of N100,000) |
Covered |
Covered |
Covered |
|
Family Planning Services |
Covered (For Counseling Only) |
Covered (For Counseling Only) |
Covered (For Injectables & IUCDs & Implants) |
Covered (For Injectables & IUCDs only) |
|
CHILD HEALTH SERVICES |
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Routine Immunization (NPI) – From Birth to 9 Months |
Covered |
Covered |
Covered |
Covered |
|
Additional Immunization – (HIB and Booster Dose of DPT, OPV & MMR at 18 Months) IPV at Selected Hospitals |
Not Covered |
Not Covered |
Covered |
Covered |
|
Pediatric Surgery |
Covered for Minor Surgery only
|
Covered for Minor & Intermediate Surgery only
|
Covered for Minor, Intermediate & Major Surgery |
Covered for Minor, Intermediate & Major Surgery |
|
SURGICAL SERVICES |
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Minor Procedures |
Covered |
Covered |
Covered |
Covered |
|
Intermediate Procedures |
Covered
|
Covered
|
Covered |
Covered |
|
Major Procedures |
Not covered |
Covered
|
Covered |
Covered |
|
RADIOLOGICAL SERVICES |
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Plain X-Ray and Ultrasound Scans |
Covered |
Covered |
Covered |
Covered |
|
CT Scan (With clear indication and recommendation by attending Doctor) |
Not Covered |
Covered 50% (Max of 1per year) – For
Principals only |
Covered (Max of 1per year) |
Covered (Max of 2 per year) |
|
MRI (With clear indication and recommendation by attending Doctor) |
Not Covered |
Covered 50% (Max of 1per year) – For
Principals only |
Covered (Max of 1 per year) |
Covered (Max of 2 per year) |
|
EYE CARE |
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Routine Examination |
Covered |
Covered |
Covered |
Covered |
|
Treatment of Infection |
Covered |
Covered |
Covered |
Covered |
|
Simple Eye Surgery |
Not Covered |
Not Covered |
Covered
|
Covered |
|
Biennial Optical Lens Limit |
Covered. Optical Lens Limit of N8,000 |
Covered. Optical Lens Limit of N12,000 |
Covered Optical Lens Limit of N20,000 |
Covered Optical Lens Limit of N30,000 |
|
DENTAL CARE |
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Routine Examination |
Covered |
Covered |
Covered |
Covered |
|
Treatment of Infection |
Covered |
Covered |
Covered |
Covered |
|
Simple Extraction |
Covered |
Covered |
Covered |
Covered |
|
Surgical Extraction |
Not Covered |
Covered 50% |
Covered |
Covered |
|
Dental Fillings: |
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Amalgam Fillings (Classes 1 & 5) |
Covered |
Covered |
Covered |
Covered |
|
GIC Fillings |
Not Covered |
Not Covered |
Covered |
Covered |
|
Composite Filling |
Not Covered |
Not Covered |
Covered |
Covered |
|
Crowns, Bridges, Bleaching, Root Canal and Implant |
Not Covered |
Not Covered |
Not Covered |
Covered |
|
Scaling and Polishing (For Medical Reasons Only) |
Not Covered |
Covered (Max 1 session per annum) – for principals only |
Covered (Max 2 session per annum) – for principals only |
Covered |
|
MEDICAL CHECK-UP |
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Routine physicals (no investigations) |
Covered |
Covered |
Covered |
Covered |
|
Annual Medical Examination (with SPECIFIED Investigations as stated below) For Principal Only, In Selected Hospitals. |
Not Covered |
Not Covered |
Covered |
Covered |
|
MENTAL HEALTH SERVICES |
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Counseling |
Covered |
Covered |
Covered |
Covered |
|
Out Patient Consultation and Treatment (up to 4 weeks) |
Not Covered |
Not Covered |
Covered – ECT/EEG
maximum of 1 session per annum, annum & Drug treatment (AT SELECTED HOSPITALS) |
Covered –ECT/EEG -maximum of 2 sessions per annum. Drug treatment & toxicology screening
(AT SELECTED HOSPITALS) |
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FERTILITY SERVICES (Counseling Only) |
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General exclusion of provision of Condoms, Hormonal Tests/ Treatment, Tubal Ligation, Vasectomy, Erectile Dysfunction, Artificial Insemination including IVF and ICSI etc. |
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CANCER CARE |
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Cancer Screening (Limited to Clinical Examination of Breast, Cervix and Prostate Cancer) |
Covered |
Covered |
Covered |
Covered |
|
Diagnostic Investigation |
Not Covered |
Not Covered |
Covered for USS Scan & E/U/Cr, Only (Max of 1 Per annum) |
Covered for:
|
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Surgical treatment for Cancer of the Breast, Cervix & Prostate |
Not Covered |
Not Covered |
Not Covered |
Covered |
|
Note: |
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A. – Individual Plan Covers the Principal Only – Family Plan Covers the Principal, Spouse and 4 Biological Children under Age 21
B. * Annual Medical Examination (with investigations) consists of the following:
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