| Plan Benefit | Senior Premium |
|---|---|
| Region of Cover | Domestic |
| Hospital Category | B – D + Lagoon Hospitals |
| Inpatient Limit (₦) | 3,350,000 |
| Accidents & Emergencies: Resuscitative or lifesaving initial treatment | √ (Up to Inpatient Limit) |
| Accommodation (including feeding) | Private Ward (30 Days/Annum) |
| Intensive Care Services | 3 Days |
| Day case procedures & minor surgeries | ₦1,000,000 Limit |
| Intermediate surgeries | ₦1,000,000 Limit |
| Major Surgeries | ₦1,000,000 Limit |
| Outpatient Limit (₦) | 1,350,000 |
| Advanced & Complex Investigations(limited To C.T Scan, M.R.I Scan and Echocardiograph) |
Covered (8 sessions) |
| Ambulance* | Home to Hospital, Roadside to Hospital &Hospital to Hospital |
| Basic Laboratory services based on the clinician’s judgment (WHO list of essential in-vitro diagnostics) | √ (Up to Outpatient Limit) |
| Basic X-Rays and Ultrasounds | √ (Up to Outpatient Limit) |
| Cancer Care: Oncology Tests, Drugs + Chemotherapy & Radiotherapy | ₦1,000,000 |
| 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 | √ (₦80,000 Limit) |
| Dental Care (relief of pain, Composite & Amalgam Fillings, Non-surgical extractions,Scaling and Polishing, Dental Surgical Extraction & Root Canal Therapy, Dental Prosthetics) | ₦80,000 |
| Immunizations | – |
| Adult Immunizations | Meningitis, Yellow Fever, Hepatitis B |
| Health Checks (at selected Hygeia Centers) | Limited to: Basic (Physical, BP, Urinalysis ), Blood Sugar, Genotype, Blood Group, PCV Serum, Cholesterol And Pap’s Smear, Prostate Specific Antigen, Mammography |
| Kidney Dialysis | Covered – 3 Sessions |
| Mortuary Services (Cleaning, Embalment, Storage, Autopsy) | ₦50,000 limit |
| Optical Care: Lenses, Frames & Contact, Lenses (Once in two years) | ₦40,000 |
| Optical care: Eye testing, Treatment of acute and chronic eye diseases. | √ (₦80,000 Limit) |
| Physiotherapy | 20 Sessions |
| Psychiatric Treatment | Outpatient Only (3 months Limit) |
| Pharmacy Benefit Limit (₦) | 300,000 |
| 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) |
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