| Region of Cover |
Domestic |
| Hospital Category |
B-D +Access to Lagoon Hospitals |
| Inpatient Limit (₦) |
500,000 |
| Accidents & Emergencies: Resuscitative or lifesaving initial treatment |
√ (Up to Inpatient Limit) |
| Accommodation (including feeding) |
Semi-Private Ward (20 Days/Annum) |
| Day case procedures & minor surgeries |
₦ 250 000 Limit |
| Intermediate surgeries |
₦ 250 000 Limit |
| Major Surgeries |
– |
| Outpatient Limit (₦) |
200,000 |
| Ambulance* |
Hospital to Hospital Only |
| Basic Laboratory services based on the clinician’s judgement (WHO list of essential invitro 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 Throat care |
√ (Treatment of Acute Diseases Only/₦15,000 Limit) |
| Dental Care |
Relief of pain, fillings, Nonsurgical
extractions, preventive care, scaling
and polishing, Dental Surgical Extraction (₦30,000 per annum) |
| Immunizations |
– |
| NPI Immunizations for 0-5 years |
NPI including pentavalent vaccine (diphtheria, 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, Embalment, Storage, Autopsy) |
₦50,000 limit |
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/₦30,000
Limit) |
| Physiotherapy |
₦30,000 Limit |
| Psychiatric Treatment |
Outpatient Only (3 months Limit) |
| Pharmacy Benefit Limit (₦) |
100,000 |
| Chronic Disease Medication |
√ (Up to Pharmacy Benefit Limit) |
| Inpatient Non-Chronic Prescription Medicines |
√ (Up to Pharmacy Benefit Limit) |
| Outpatient Non-Chronic Prescription Medicines |
√ (Up to Pharmacy Benefit Limit) |
| Other Benefits (₦) |
(Up to Outpatient Limit) |
| Critical Illness + Death Cover |
₦250,000 |
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