Senior Premium Plan


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
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
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)



This plan is  provided by Hygeia HMO

The Senior Premium plan is eligible to Only persons between the ages of 51-85 years. There is a waiting period of 2 weeks after registration. Plans purchased becomes active 2 weeks after purchase date.

The following benefits will not be covered or provided in the first 2 months of the commencement of the scheme: Chronic Disease Medication All benefits are subject to their respective sectional limits which is described as: Inpatient LimitOutpatient Limit and Pharmacy Benefit Limit.

However, within the respective sectional limit, there are specific benefit limits as well. Consequently, in the event that any specific benefit limit under the sectional limit is exhausted, the remaining limit in that section will only cover other benefits within the section apart from the one that the specific benefit limit has been exhausted.


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