| Region of Cover |
Local |
| Hospital Category |
B-D + Lagoon Hospitals |
| Inpatient Limit (₦) |
6,500,000.00 |
| Accidents & Emergencies: Resuscitative or lifesaving initial treatment |
√ (Up to Inpatient Limit) |
| Accommodation (including feeding) |
Private Ward (30 Days/Annum) |
| Accommodation for Mothers Whose Dependents are on admission (excluding feeding) (Limited to SCBU/NICU Cases only) |
Semi-Private Ward 48 Hrs |
| Intensive Care Services |
10 Days |
| Neonatal Care Services (Treatment of mild or moderate neonatal sepsis, Phototherapy, Incubator Care and Special Care Baby Unit)* |
₦1,000,000 |
| Psychiatric Hospitalization |
Up to Accommodation Limit |
| Surgeries including day case procedures , minor, intermediate and major surgeries ,Caesarean Section Including Endoscopic Procedures (Therapeutic and Diagnostic) |
₦2,000,000 |
| Outpatient Limit(₦) |
3,500,000.00 |
| Advanced & Complex Investigations(limited To CT, Scan, MRI Scan and echocardiograph) |
√ (Up to Outpatient Limit) |
| Ambulance |
Home to Hospital, Roadside to
Hospital &Hospital to Hospital |
| Antenatal Care + Normal Delivery+ Postnatal Care (6 Weeks) |
₦1,000,000 |
| Cancer Care: Oncology Tests, Drugs + Chemotherapy & Radiotherapy |
₦2,000,000 |
| Consultations |
– |
| 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) |
₦100,000 |
| Family Planning Services |
IUCD (Intrauterine Contraceptive
Device e.g. Copper T, Injectibles,
Mirena Coil, Pills, Norplant |
| Global Refundable Limit for Cancer Care** |
Subject to overall Cancer Care Limit |
| Global Refundable Limit for Surgery** |
Subject to overall Cancer Care Limit |
| Global Refundable Limit for Maternity** |
₦350,000 |
| Immunizations |
– |
| NPI Immunizations for 0- 5 years |
BCG, Measles, DPT, Oral polio, Vitamin A supplementation, Pentavalent vaccine |
| Additional Immunizations for 0-5 years |
Hepatitis A, Hepatitis B, Hib,
Chicken Pox, MMR, Pneumococcal, Rotavirus,
Meningitis, Yellow Fever, Typhoid
Fever |
| Additional Immunizations for 6yrs and above |
Meningitis, Yellow Fever, Hepatitis B |
| Health Checks*** |
Basic (Physical, BP, Urinalysis), Genotype, Blood Sugar, Blood Group, PCV, Serum, cholesterol Chest X-Ray, Lung Function Test, ECG and Pap Smear, Prostate Specific Antigen and Mammography |
| HIV/AIDS Care & Treatment |
₦1,000,000 |
| Infertility Investigation |
Fertility Consultations, Counselling, USS, SFA, HSG, Hormone Profile, Laparoscopy (₦150,000) |
| Inter-State Referral Services for services not available in State |
√ (Up to Outpatient Limit) |
| Interstate travel by commercial airline, (economy category) |
– |
| Medical enquiries |
√ |
| Second opinion |
√ |
| Hospital Accommodation(where medically necessary) |
√ |
| Prescribed medicines and laboratory tests |
√ |
| Kidney Dialysis |
₦300,000 |
| Laboratory tests (WHO list of essential in-vitro diagnostics) |
√ (Up to Outpatient Limit) |
| Mortuary Services (Cleaning, Embalmment, Storage, Autopsy) |
₦250,000 |
| Neonatal Care Services (Male circumcision, Ear piercing) |
√ (Up to Outpatient Limit) |
| Optical Care: Lenses, Frames & Contact, Lenses(Once in two years) |
₦40,000 |
| Optical care: Eye testing, Treatment of acute and chronic eye diseases. |
₦120,000 |
| Physiotherapy |
₦180,000 |
| Psychiatric Treatment |
Inpatient/Outpatient |
| Wellness Benefit(Gym/Spa)**** |
Up to Refundable Wellness Limit of ₦7,500/Month |
| X-Rays and Basic Diagnostic Tests |
√ (Up to Outpatient Limit) |
| Pharmacy Benefit Limit(₦) |
√ (Up to Outpatient Limit) |
| Chronic Disease Medication |
√ |
| Inpatient Prescription Medicines |
√ |
| Outpatient Prescription Medicines |
√ |
| Other Benefits |
– |
| Critical Illness + Death Cover***** |
₦1,000,000 |
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