| 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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