HyDeal Individual Premium Plan


Plan Benefit HyDeal Plan
Region of Cover Local
Hospital Category C-D
Inpatient Limit (₦) 850,000
Accidents & Emergencies: Resuscitative or lifesaving initial treatment √ (Up to Inpatient Limit)
Accommodation (including feeding) General Ward (20 Days/Annum)
Accommodation for Mothers Whose Dependents are on admission (excluding feeding) (Limited to SCBU/NICU Cases only)
Intensive Care Services
Neonatal Care Services (Treatment of mild or moderate neonatal sepsis, Phototherapy, Incubator Care and Special Care Baby Unit)*
Psychiatric Hospitalization
Surgeries including day case procedures , minor, intermediate and major surgeries ,Caesarean Section Including Endoscopic Procedures (Therapeutic and Diagnostic) ₦100,000
(Endoscopies not Covered)
Outpatient Limit(₦) 300,000.00
Advanced & Complex Investigations(limited To CT, Scan, MRI Scan and echocardiograph)
Antenatal Care + Normal Delivery+ Postnatal Care (6 Weeks) ₦150,000
Cancer Care: Oncology Tests, Drugs +Chemotherapy & Radiotherapy
General Consultations (Initial and Follow-up) √ (Up to Outpatient Limit)
Specialist Consultations (Initial and Follow-up) √ (Up to
Outpatient Limit)
Telemedicine Covered
Dental Care (relief of pain, fillings, nonsurgical,extractions, preventive care, scaling and polishing, Dental Surgical Extraction & Root Canal Therapy, Dental Prosthetics) (Relief of pain,
fillings, nonsurgical,
care, scaling
and polishing
Only) ₦10,000
Family Planning Services IUCD
Device) e.g.
Copper T,
Global Refundable Limit for Cancer Care**
Global Refundable Limit for Surgery**
Global Refundable Limit for Maternity**
NPI Immunizations for 0- 5 years BCG, Measles, DPT, Oral polio, Vitamin A
supplementation Pentavalent
Additional Immunizations for 0-5 years
Additional Immunizations for 6yrs and above
Health Checks***
HIV/AIDS Care & Treatment ₦100,000
Infertility Investigation
Inter-State Referral Services for services not available in State
Interstate travel by commercial airline, (economy category)
Medical enquiries
Second opinion
Hospital Accommodation(where medically necessary)
Prescribed medicines and laboratory tests
Kidney Dialysis
Laboratory tests (WHO list of essential in-vitro diagnostics) √ (Up to Outpatient Limit)
Mortuary Services (Cleaning, Embalmment,Storage, Autopsy)
Neonatal Care Services (Male circumcision, Ear piercing) √ (Up to Outpatient Limit)
Optical Care: Lenses, Frames & Contact, Lenses(Once in two years) ₦5,000 (Lenses Only)
Optical care: Eye testing, Treatment of acute and chronic eye diseases. ₦50,000
Physiotherapy ₦30,000
Psychiatric Treatment
Wellness Benefit(Gym/Spa)****
X-Rays and Basic Diagnostic Tests √ (Up to Outpatient Limit)
Pharmacy Benefit Limit(₦) 80,000.00
Chronic Disease Medication ₦80,000
Inpatient Prescription Medicines ₦80,000
Outpatient Prescription Medicines ₦80,000
Other Benefits
Critical Illness + Death Cover***** ₦100,000



This plan is provided by Hygeia HMO

The age limit on the Plans is 60 years. The Premium computed is payable once annually based on the population. This quote is valid for 90 days from the date of submission. Benefit can only be drawn from the limit of a nursing mother for a live birth. Health checks can only be done in any of our designated hospitals/diagnostic centers.

Enrollee is covered for a payment up to the stated limit in the event of critical illness (as a result of cancer,
kidney failure, heart attack or stroke) or Death (Natural or Accidental). The actual amount paid is based on the
event while eligibility is subject to compliance with the rules of the plan.


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