| Region of Cover |
Domestic |
| Hospital Category |
C-D |
| Inpatient Limit (₦) |
500,000 |
| Accidents & Emergencies: Resuscitative or lifesaving initial treatment |
√ (Up to Inpatient Limit) |
| Accommodation (including feeding) |
General Ward (15 Days/Annum) |
| Day case procedures & minor surgeries |
₦200,000 |
| Intermediate surgeries |
₦200,000 |
| Major Surgeries (including Caesarean Delivery) |
₦200,000 |
| Outpatient Limit (₦) |
200,000 |
| Advanced & Complex Investigations(limited To C.T Scan, M.R.I Scan) |
1 session Only |
| Antenatal Care + Normal Delivery+ Postnatal Care (6 Weeks) |
₦100,000 |
| Ambulance* |
Hospital to hospital Only |
| Basic Laboratory services based on tde clinician’s judgment (WHO list of essential in-vitro diagnostics) |
√ (Up to Outpatient Limit) |
| Basic X-Rays and Ultrasounds |
√ (Up to Outpatient Limit) |
| Telemedicine Consultations |
Unlimited |
| General Consultations (Initial and Follow-up) |
√ (Up to Outpatient Limit) |
| Specialist Consultations (Initial and Follow-up) |
√ (Up to Outpatient Limit) |
| Ear, Nose and Tdroat care |
√ (Treatment of Acute
Diseases Only/₦15,000
Limit) |
| Dental Care |
Relief of pain, Composite &
Amalgam Fillings, Nonsurgical
extractions, Scaling
and Polishing (₦20,000 per annum) |
| Family Planning Services |
IUCDs,Pills & Injectibles |
| Immunizations |
– |
| NPI Immunizations for 0-5years |
NPI including pentavalent
vaccines (diphtderia,
tetanus, whooping cough) |
| Additional Immunizations for 0-5 years |
Hepatitis B, Hib, Chicken
Pox, MMR, Pneumococcal,
Rotavirus, Yellow Fever,
Hepatitis A, Typhoid Fever |
| Mortuary Services (Cleaning, Embalmment, Storage, Autopsy) |
₦50,000 limit |
| Neonatal Care Services (Male circumcision, Ear piercing) |
Limited to Male
circumcision and Ear
piercing |
| Optical Care: Lenses, Frames & Contact, Lenses (Once in two years) |
₦15,000 |
| Optical care: Eye testing, Treatment of acute and chronic eye diseases. |
√ (Treatment of Acute Eye
Diseases Only/₦20,000
Limit) |
| Physiotderapy |
₦20,000 Limit |
| Psychiatric Treatment |
Outpatient Only (3 montds
Limit) |
| Pharmacy Benefit Limit (₦) |
85,000 |
| Chronic Disease Medication |
– |
| Inpatient Non-Chronic Prescription Medicines |
√ (Up to Pharmacy Benefit
Limit) |
| Outpatient Non-Chronic Prescription Medicines |
√ (Up to Pharmacy Benefit
Limit) |
| Otder Benefits (₦) |
√ (Up to Pharmacy Benefit
Limit) |
| Critical Illness + Deatd Cover** |
₦100,000 |
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