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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