Corporate Plan

HCI HEALTHCARE LIMITED
		TITANIUM COMPACT- Get Quote	GOLD  KLASSIC-Get Quote	GOLD  ULTRA- Get Quote	GOLD ULTRA PLUS- Get Quote	DELUXE-PRO-Get Quote	ROYAL PRO-Get Quote	ROYAL PROMAX-Get Quote
REGION OF COVER		Nigeria	Nigeria	Nigeria	Nigeria	Nigeria	Nigeria	Nigeria & India
PROVIDER TYPE		Standard Roaming Network	Standard Roaming Network	Standard Roaming Network	Standard Roaming Network	Enhanced Roaming  Network	Enhanced Roaming  Network	Enhanced Roaming  Network
OVERALL LIMIT ( all sub limits add to overall)
OUT-PATIENT BENEFIT
GP Consultations at chosen accredited primary care provider		√	√	√	√	√	√	√
Fast track Access for GP Consultation only		x	x	x	x	x	x	√
Telemedicine Services
Medical Consultation & Counselling via:
•Voice call		√	√	√	√	√	√	√
•Voice chat		√	√	√	√	√	√	√
•Video call		√	√	√	√	√	√	√
Delivery of drugs		x	x	√	√	√	√	√
Second Opinion (local)		subject to specialist consultation limit	subject to specialist consultation limit	subject to specialist consultation limit	subject to specialist consultation limit	subject to specialist consultation limit	subject to specialist consultation limit	subject to specialist consultation limit
ChatBot		√	√	√	√	√	√	√
Mobile App		√	√	√	√	√	√	√
24-7 helpDesk		√	√	√	√	√	√	√
SPECIALIST CONSULTATION
Consultation with common specialist
•Gynaecologist		√	√	√	√	√	√	√
•Obstetrician		√	√	√	√	√	√	√
•General Surgeon		√	√	√	√	√	√	√
•Pediatrician		√	√	√	√	√	√	√
•ENT Surgeon		√	√	√	√	√	√	√
•Family Physician		√	√	√	√	√	√	√
•Cardiologist		√	√	√	√	√	√	√
•Neurologist		√	√	√	√	√	√	√
•Orthopaedic Surgeon		√	√	√	√	√	√	√
•Psychiatrist		√	√	√	√	√	√	√
Consultation with Rare Specialists-
•Neonatologist		√	√	√	√	√	√	√
•Endocrinologist		√	√	√	√	√	√	√
•Rheumatologist		√	√	√	√	√	√	√
•Urologist		√	√	√	√	√	√	√
•Nephrologist		√	√	√	√	√	√	√
•Oncologist		√	√	√	√	√	√	√
•Cardio-Thoracic Surgeon		x	√	√	√	√	√	√
•Immunologist		x	√	√	√	√	√	√
•Neurosurgeon		x	√	√	√	√	√	√
•Enterologist		x	√	√	√	√	√	√
•Spinal surgeon		x	√	√	√	√	√	√
INVESTIGATIONS
Basic laboratory Investigations
Abo & Rh Typing (Blood Grouping) – [Blood]		√	√	√	√	√	√	√
White blood cell count and differentials		√	√	√	√	√	√	√
Albumin (Serum, Urine 24 hours, Urine spot, Quanlitative		√	√	√	√	√	√	√
Alkaline Phosphatase – [Serum]		√	√	√	√	√	√	√
ALT (SGPT) – [Serum]		√	√	√	√	√	√	√
Ammmonia (24 Hrs Urine)		√	√	√	√	√	√	√
Bicarbonate – [Serum]		√	√	√	√	√	√	√
Bile Salt & Pigments, (Qualitative) – [Urine, Spot]		√	√	√	√	√	√	√
Bilirubin (Total, Direct, Indirect), Serum – [Serum]		√	√	√	√	√	√	√
Bleeding & Clotting Time – [Na]		√	√	√	√	√	√	√
Random Blood glucose		√	√	√	√	√	√	√
Blood Glucose Fasting		√	√	√	√	√	√	√
Blood Glucose Post Prandial		√	√	√	√	√	√	√
Urea Nitrogen (Blood, urine, serum)		√	√	√	√	√	√	√
electrolytes (serum and urine)		√	√	√	√	√	√	√
Colesterol profile, total		√	√	√	√	√	√	√
Clotting Time (Ct)		√	√	√	√	√	√	√
Creatinine, Creatinine/albumin ratio		√	√	√	√	√	√	√
ESR (Automated) – [Blood]		√	√	√	√	√	√	√
Faeces, Routine Examination (Basic) – [Stool]		√	√	√	√	√	√	√
Fructose, glucose (Urine, body fluid, serum)		√	√	√	√	√	√	√
Haematocrit (PCV-Packed Cell Volume) , Haemoglobin, Red blod cell indices		√	√	√	√	√	√	√
Random Insulin test		√	√	√	√	√	√	√
MP Smear, Rapidkit for MP		√	√	√	√	√	√	√
Occult Blood – [Urine ]		√	√	√	√	√	√	√
Platelet count, width etc		√	√	√	√	√	√	√
Urinalysis		√	√	√	√	√	√	√
Pregnancy Test – [Serum and urine]		√	√	√	√	√	√	√
Protein Electrophoresis – [Serum]		√	√	√	√	√	√	√
Proteins – [Ascitic Fluid, CSF, PERICARDIAL FLUID, PERITONEAL, PLEURAL FLUID, SERUM)]		√	√	√	√	√	√	√
Routine Examination, Stool (Basic) – [Stool]		√	√	√	√	√	√	√
Stool, Occult Blood – [Stool]		√	√	√	√	√	√	√
Triglycerides – [Body Fluid, SERUM,Urine]		√	√	√	√	√	√	√
Urea and Creatinine		√	√	√	√	√	√	√
Uric Acid (Urine, serum)		√	√	√	√	√	√	√
Urine, Routine Examination, Urobilinogen		√	√	√	√	√	√	√
CBC + ESR		√	√	√	√	√	√	√
CBC-Complete Blood Count (Haemogram)/Full blood count		√	√	√	√	√	√	√
Post Exercise ECG		√	√	√	√	√	√	√
Intermediate Tests						√	√	√
Lipids, Total – [Serum]		√	√	√	√	√	√	√
LIVER FUNCTION TEST (CH)		√	√	√	√	√	√	√
Semen, Routine Examination – [Semen]		√	√	√	√	√	√	√
Sonography- Pelvic		√	√	√	√	√	√	√
Sonography – Obstetrics		√	√	√	√	√	√	√
Sonography -Abdominal		√	√	√	√	√	√	√
Sonography -Cardiac		x	x	x	x	√	√	√
Sonography – Musculoskeletal		x	x	x	x	√	√	√
Sonography – Neuro		x	x	x	x	√	√	√
Acid Phosphatase, total and Prostatic Fraction – [Serum]		x	√	√	√	√	√	√
AFB, Smear Examination By Zn Stain – [Any Specimen ]		x	√	√	√	√	√	√
AFP-Alpha Feto Protein – [Serum]		x	√	√	√	√	√	√
Amino Acids ,Plasma Urine		x	√	√	√	√	√	√
Anti A and B Titre – [Serum]		x	√	√	√	√	√	√
Anti D (Rh) Antibody Titre – [Serum]		x	√	√	√	√	√	√
Anti HCV- Screening, totall antibodies		x	√	√	√	√	√	√
APTT- Activated Partial Thromboplastin – [Plasma]		x	√	√	√	√	√	√
Bacterial Meningitis (Bacterial Antigens) ,CSF		x	√	√	√	√	√	√
Beta HCG – [Serum]		x	√	√	√	√	√	√
Beta HCG – [Urine, Spot]		x	√	√	√	√	√	√
Beta2 Glycoprotein IgM		x	√	√	√	√	√	√
Beta2 Glycoprotein-IgG		x	√	√	√	√	√	√
Bile Acids Total		x	√	√	√	√	√	√
Biopsy-Small, medium Large And Complex Specimen For Histology – [Tissue]		x	√	√	√	√	√	√
Blood Culture – Bactec Plus Anaerobic		x	√	√	√	√	√	√
Body Fluid,Rt Exam With Cytology And Microbiology – [Body Fluid]		x	√	√	√	√	√	√
AFB Smear And Culture by LJ method		x	√	√	√	√	√	√
Culture and Sensitivity		x	√	√	√	√	√	√
Ca-125 (Cancer Antigen-125), – [Serum]		x	√	√	√	√	√	√
CRP – High Sensitivity [Serum]		x	√	√	√	√	√	√
Cytology		x	√	√	√	√	√	√
Dat- Direct Antiglobulin Test (Coomb~S Direct) – [Blood]		x	√	√	√	√	√	√
D-Dimer Quantification – [Plasma]		x	√	√	√	√	√	√
Estradiol (E2) – [Serum]		x	√	√	√	√	√	√
Fertility Panel, Female		x	√	√	√	√	√	√
Fertility Panel, Male		x	√	√	√	√	√	√
FNAC – Cytological Examination – [FNAC Fluid]		x	√	√	√	√	√	√
Follicle Stimulating Hormone(FSH)		x	√	√	√	√	√	√
Free Fatty Acids, Total, Serum		x	√	√	√	√	√	√
Free T3 + Free T4 + TSH		x	√	√	√	√	√	√
Testosterone, FSH, LH, Prolatin, Progesterone, oestrogen		x	√	√	√	√	√	√
FSH – Follicle Stimulating Hormone – [Serum]		x	√	√	√	√	√	√
Glycated Haemoglobin (HbA1c)		x	√	√	√	√	√	√
HBsAb-Total Antibodies To Hepatitis B Surface Ag – [Serum]		x	√	√	√	√	√	√
HBsAg, Screening – [Serum]		x	√	√	√	√	√	√
Helicobacter Pylori -[Rapid Test] –		√	√	√	√	√	√	√
Hepatitis a,b,c,e screening		x	√	√	√	√	√	√
HIV I & II Antibody Screen (Spot Test ) (Hc) – [Serum]		x	√	√	√	√	√	√
Mammography		x	x	√	√	√	√	√
Microalbumin / Creatinine Ratio		x	√	√	√	√	√	√
Microalbumin-[Urine, 24 Hours]		x	√	√	√	√	√	√
Microfilaria Detection – [Blood]		x	√	√	√	√	√	√
Pap Smears For Cytological Examination – [Hc]		x	√	√	√	√	√	√
Para Thyroid Hormone (Pth) (Intact Molecule) – [Serum]		x	√	√	√	√	√	√
Prothrombin Time (Pt) – [Plasma]		x	√	√	√	√	√	√
PSA Profile		x	√	√	√	√	√	√
PSA-Prostate Specific Antigen, Total – [Hc]		x	√	√	√	√	√	√
PTTK-Partial Thromboplastin Time – [Plasma]		x	√	√	√	√	√	√
Pulmonary Function Test		x	√	√	√	√	√	√
Ra-Rhuematoid Arthritis, Rheumatoid Factor (Rf), IgG (Quantitative) – [Serum]		x	√	√	√	√	√	√
T3 + T4 + Tsh [Hc]		x	√	√	√	√	√	√
Testosterone (Total) – [Serum]		x	√	√	√	√	√	√
Troponin-I – [Serum]		x	√	√	√	√	√	√
VDRL (RPR) – [Csf]		x	√	√	√	√	√	√
Advanced Investigations
Echocardiogram		x	√	√	√	√	√	√
Enzymes Assay		x	x	x	x	√	√	√
Achondroplasia (FGFR3 Full Gene Sequencing)		x	x	x	x	√	√	√
Achondroplasia Mutation		x	x	x	x	√	√	√
Acute Hepatitis Virus Evaluation		x	x	x	x	√	√	√
Acute Leukemia Panel		x	x	x	x	√	√	√
INTERLEUKIN 6 (IL- 6)		x	x	x	x	√	√	√
SARS-COV2 (COVID19)		x	x	x	x	√	√	√
AFB Susceptibility tests		x	x	x	x	√	√	√
Alcohol (Ethanol),Serum		x	x	x	x	√	√	√
ALK Gene Rearrangement By FISH		x	x	x	x	√	√	√
ALK1 (For Other Than Lung Adenocarcinoma)		x	x	x	x	√	√	√
ALK1 for Lung Tumors		x	x	x	x	√	√	√
Alkaline Phosphatase Isoenzyme Electrophoresis		x	x	x	x	√	√	√
ALL Cytogenetics Panel		x	x	x	x	√	√	√
ALL FISH Panel		x	x	x	x	√	√	√
ALL Panel Deletion/Duplication Detection		x	x	x	x	√	√	√
ALL PCR Panel (BCR-ABL,TEL/AML1,MLL, E2A]		x	x	x	x	√	√	√
Allergens		x	x	x	x	√	√	√
ANA Profile by Immunoblot		x	x	x	x	√	√	√
Anaerobic Culture		x	x	x	x	√	√	√
Anti A Titre		x	x	x	x	√	√	√
Anti Bullous Pemphigoid Anti body 180(Anti Bp 180)		x	x	x	x	√	√	√
Anti Insulin Antibodies		x	x	x	x	√	√	√
Anti Islet Cell Antibodies		x	x	x	x	√	√	√
Autism Gene Panel		x	x	x	x	√	√	√
Bone Marrow Aspiration With MPO		x	x	x	x	√	√	√
Bone Marrow Biopsy		x	x	x	x	√	√	√
Brain Biopsy		x	x	x	x	√	√	√
BRCA 1 & 2 Genetic Test – Breast Cancer		x	x	x	x	√	√	√
BRCA Reflex		x	x	x	x	√	√	√
Candida Albicans DNA Detector		x	x	x	x	√	√	√
Cannabinoids (THC) Semi-Quantitative		x	x	x	x	√	√	√
Cardiomyopathy Gene Panel		x	x	x	x	√	√	√
NPM1 Mutation Detection		x	x	x	x	√	√	√
PGS: Pre-Implantation Genetic Screening (Embryo) – 8		x	x	x	x	√	√	√
Rheumatoid Factor(RA) Total Panel		x	x	x	x	√	√	√
Sarcoma Gene Panel		x	x	x	x	√	√	√
SARS-CoV-2 Spike IgG Quantitative Abs		x	x	x	x	√	√	√
Sickle Cell DNA PCR		x	x	x	x	√	√	√
Advanced Radiological Investigations not limited to:
X-ray: Chest, Thorax, Vertebrae, Limb, Abdomen, Pelvic		√	√	√	√	√	√	√
X-Ray Barium Enema		x	x	x	√	√	√	√
X-Ray Barium Meal Follow Through		x	x	x	√	√	√	√
X-Ray Barium Meal For Ic Region		x	x	x	√	√	√	√
X-Ray Barium Meal Stomach And Duodenum		x	x	x	√	√	√	√
X-Ray Barium Swallow		x	x	x	√	√	√	√
X-Ray Fistulogram		x	x	x	√	√	√	√
X-Ray Hsg		x	x	x	√	√	√	√
X-Ray Invertogram		x	x	x	√	√	√	√
X-Ray Ivp		x	x	x	√	√	√	√
X-Ray Retrograde Pyelography		x	x	x	√	√	√	√
X-Ray Right Elbow Joint Ap/Lat		x	x	x	√	√	√	√
X-Ray T.Tube Cholangiography		x	x	x	√	√	√	√
X-Ray Urethrogram		x	x	x	√	√	√	√
PCOS Advance Panel		x	x	x	x	√	√	√
Computed Tomography Scan (CT Scan)		x	x	√	√	√	√	√
Magnetic Resonance Imaging (MRI)		x	x	x	√	√	√	√
Prescribed medications (outpatient)		√	√	√	√	√	√	√
Nursing care		√	√	√	√	√	√	√
Nebulisation		√	√	√	√	√	√	√
Acute care benefits including out-of-network care		√	√	√	√	√	√	√
Minor surgery
•Simple suturing of Lacerations		√	√	√	√	√	√	√
•Incision & Drainage		√	√	√	√	√	√	√
•Tongue Tie Release		√	√	√	√	√	√	√
•Aspirations & Paracentesis		√	√	√	√	√	√	√
•Debridgement of wounds-Minor		√	√	√	√	√	√	√
CHRONIC DISEASE  MANAGEMENT
Structured lifestyle Management Program
Prescribed Medications for chronic medical conditions not limited to Hypertension, Diabetes, Asthma, Sickle cell,Peptic, Duodenal Ulcer, Arthritis etc (dispensed via PharmAssist)		Up to N100,000 per Year	Up to N120,000 per Year	Up to N150,000 per Year	Up to N200,000 per Year	Up to N250,000 per Year	Up to N280,000 per Year	Up to N300,000 per Year
PREVENTIVE & HEALTH PROMOTION BENEFIT (Principal Only)
Annual Screening At dedicated centres
General
•Height		√	√	√	√	√	√	√
•Weight		√	√	√	√	√	√	√
•Urinalysis		√	√	√	√	√	√	√
•Complete Blood Count		√	√	√	√	√	√	√
Cardiovascular Risk Screening
•Fasting Blood Sugar (35years and above for diabetes)		√	√	√	√	√	√	√
• BMI (for metabolic risks)		√	√	√	√	√	√	√
• Blood Pressure (for hypertensive risks)		√	√	√	√	√	√	√
•Chest X-ray (Cardiac Health Test)		√	√	√	√	√	√	√
•ECG -Resting (for hypertensive risks)		x	x	√	√	√	√	√
•Fasting Lipids (35years and above)		x	x	√	√	√	√	√
Renal Risk Screening (From age 55years and above)
•Renal Ultrasound		x	x	x	√	√	√	√
• Electrolyte		x	x	√	√	√	√	√
• Creatinine		x	x	√	√	√	√	√
• Urea		√	√	√	√	√	√	√
Liver Risk Screening
•Liver Function Test		x	x	√	√	√	√	√
Colorectal Risk screening
•Stool For Occult Blood		√	√	√	√	√	√	√
•Colonoscopy (From 45years Old and above)		x	x	x	x	x	x	√
Men Only
•Prostate Screening Antigen (Males over 45years Old)		x	x	x	x	√	√	√
Female Only
• Mammogram(Females 40years Old and above)		x	x	x	x	√	√	√
•Cervical screening(Females 18years Old and above)		x	x	x	√	√	√	√
MAJOR DISEASE CONDITION BENEFITS
Surgeries (Intermediate & Major)		Up to N350,000 Limit per annum	Up to N450,000 Limit per annum	Up to N500,000 Limit per annum	Up to N600,000 Limit per annum	Up to N1,000,000 limit per annum	Up to N2,000,000 limit per annum	Up to N3,000,000 limit per annum
Post-operative investigations		√	√	√	√	√	√	√
In-patient care related to surgery		√	√	√	√	√	√	√
Consumables		√	√	√	√	√	√	√
Drugs and all investigations related to post surgical care while on admisison for the surgery		√	√	√	√	√	√	√
Procedures listed below:		√	√	√	√	√	√	√
•Therapeutic Evacuation		√	√	√	√	√	√	√
•Marsupialization ( Bartholin’s cyst)		√	√	√	√	√	√	√
•Polypectomy		√	√	√	√	√	√	√
•Cauterization		√	√	√	√	√	√	√
•Cervical biopsy(punch)		√	√	√	√	√	√	√
•Cervical biopsy(cone)		√	√	√	√	√	√	√
•Ovarian cystectomy		√	√	√	√	√	√	√
•Excision- Biopsy of Breast Mass		√	√	√	√	√	√	√
•Surgical drainage of breast abscess		√	√	√	√	√	√	√
•surgical drainage of Galactocoele		√	√	√	√	√	√	√
•Biopsy of Breast lump		√	√	√	√	√	√	√
•Biopsy of thyroid gland		√	√	√	√	√	√	√
•Tracheostomy		√	√	√	√	√	√	√
•Oesophagoscopy		√	√	√	√	√	√	√
•Excision biopsy of simple tumour of the abdominal wall		√	√	√	√	√	√	√
•Lords procedure		√	√	√	√	√	√	√
•Surgical drainage of anal abscess		√	√	√	√	√	√	√
•Anal fistulectomy		√	√	√	√	√	√	√
•Appendicectomy		√	√	√	√	√	√	√
•Inguinal herniorrhaphy		√	√	√	√	√	√	√
•Femoral herniorrhaphy		√	√	√	√	√	√	√
•Ventral herniorrhaphy		√	√	√	√	√	√	√
•Epigastricherniorraphy		√	√	√	√	√	√	√
•Closed reduction of fractures and application of external cast		√	√	√	√	√	√	√
•Closed reduction and immobilization of joint dislocation		√	√	√	√	√	√	√
•Subperiosteal drainage of acute osteomyelitis		√	√	√	√	√	√	√
•Drainage of septic arthritis		√	√	√	√	√	√	√
•Aspiration of joints		√	√	√	√	√	√	√
•Excision-biopsy of simple tissue		√	√	√	√	√	√	√
•Drainage of paronychia		√	√	√	√	√	√	√
•Surgical drainage of hand abscess		√	√	√	√	√	√	√
•Circumcision		√	√	√	√	√	√	√
•Release of chordee		√	√	√	√	√	√	√
•Orchidopexy		√	√	√	√	√	√	√
•Hydrocoelectomy		√	√	√	√	√	√	√
•Excision of intrascrotal mass		√	√	√	√	√	√	√
•Surgical correction of torsion of the spermatic cord		√	√	√	√	√	√	√
•Varicocoelectomy		√	√	√	√	√	√	√
•Intercostal drainage insertion		√	√	√	√	√	√	√
BLOOD TRANSFUSION
• Pints of Blood + Administration		Up to N70,000 per annum	Up to N75,000 per annum	Up to N80,000 per annum	Up to N85,000 per annum	Up to N90,000 per annum	Up to N100,000 per annum	Up to N120,000 per annum
REPRODUCTIVE/GYNAECOLOGICAL HEALTH BENEFIT
Family Planning counselling		covered	covered	covered	covered	covered	covered	covered
•IUCDS,		Up to N10,000 per annum	Up to N15,000 per annum	Up to N20,000 per annum	Up to N30,000 per annum	Up to N50,000 per annum	Up to N70,000 per annum	Up to N70,000 per annum
•INJECTABLES
•ORAL CONTRACEPTIVES
•NORPLANT
Infertility limited to diagnosis & prescribed medications		x	Up to N30,000 per annum	Up to N50,000 per annum	Up to N100,000 per annum	Up to N150,000 per annum	Up to N200,000 per annum	Up to N300,000 per annum
OBSTETRICS RELATED TREATMENTS: MATERNITY BENEFITS:
Ante-natal care at registered network provider		Up to N300,000 Limit per annum	Up to N350,000 Limit per annum	Up to N400,000 Limit per annum	Up to N450,000 Limit per annum	Up to 500,000 Limit per annum	Up to N600,000 Limit per annum	Up to N900,000 Limit per annum
Complications from Childbirth
Pregnancy related medical and surgical conditions
Pre-eclampsia
Ocassional Spotting
False labour
Physician-prescribed bed rest during pregnancy
Normal Delivery including Post-Partum Care + Admission
Assisted delivery including Post-Partum Care + Admission
Forcept delivery including Post-Partum Care+ Admission
Pre-term delivery including Post-Partum Care + Admission
Term delivery including Post-Partum Care+ Admission
Mutiple delivery including Post-Partum Care + Admission
Caesarean Section including Post-partum care + Admission
IN-PATIENT BENEFIT
Ward admission		Standard Ward up to 30 days per annum	Semi-Private Ward up to 30 days per annum	Private Ward up to 45 days per annum	Private Ward up to 45 days per annum	Private Ward up to 45 days per annum	Private Ward up to 45 days per annum	Private Ward up to 45 days per annum
Feeding		√	√	√	√	√	√	√
Accommodation for mothers whose dependants are on admission (SCBU/NICU cases only, excluding feeding)		up to 2 days	up to 2 days	up to 2 days	up to 2 days	up to 2 days	up to 2 days	up to 2 days
Radiological investigations		√	√	√	√	√	√	√
Laboratory investigations		√	√	√	√	√	√	√
Nursing care		√	√	√	√	√	√	√
Dressing		√	√	√	√	√	√	√
Prescribed medications:		√	√	√	√	√	√	√
Supply of Intravenous & intramuscular medications		√	√	√	√	√	√	√
Non-chronic condition medication		√	√	√	√	√	√	√
Chronic condition medication		covered up limit on chronic medications	covered up limit on chronic medications	covered up limit on chronic medications	covered up limit on chronic medications	covered up limit on chronic medications	covered up limit on chronic medications	covered up limit on chronic medications
Specialist Review
Specialist Review for non-chronic conditions		√	√	√	√	√	√	√
Specialist Review for chronic conditions		subject to limit on plan	subject to limit on plan	subject to limit on plan	subject to limit on plan	subject to limit on plan	subject to limit on plan	subject to limit on plan
PAEDIATRIC CARE (FAMILY PLAN HOLDER ONLY)
Consultation with Peadeatrician		Covered subject to limit on specialist consultation	Covered subject to limit on specialist consultation	Covered subject to limit on specialist consultation	Covered subject to limit on specialist consultation	Covered subject to limit on specialist consultation	Covered subject to limit on specialist consultation	Covered subject to limit on specialist consultation
Consultation with Neonatologist		Covered subject to limit on specialist consultation	Covered subject to limit on specialist consultation	Covered subject to limit on specialist consultation	Covered subject to limit on specialist consultation	Covered subject to limit on specialist consultation	Covered subject to limit on specialist consultation	Covered subject to limit on specialist consultation
Phototherapy		Up to 3 days per annum	Up to 7 days per annum	Up to 10 days per annum	Up to 12 days per annum	Up to 14 days per annum	Up to 16 days per annum	Up to 18 days per annum
SCBU-Incubator care
Neonatal care		√	√	√	√	√	√	√
Exchange blood transfusion (kit + blood)		x	covered up to N25,000	covered up to N35,000	covered up to N45,000	covered up to N60,000	covered up to N70,000	covered up to N70,000
Wellbaby care up to 6 weeks after delivery
Paediatric general examination		√	√	√	√	√	√	√
NPI Immunization (Below 5 years old)
•BCG,		√	√	√	√	√	√	√
•OPV,		√	√	√	√	√	√	√
•PENTAVALENT (DPT, HEPATITIS B, HEAMOPHILLUS INFLUENZA B)		√	√	√	√	√	√	√
•PNEUMOCOCCAL CONJUGATE		√	√	√	√	√	√	√
•ROTAVIRUS		√	√	√	√	√	√	√
•MEASLES		√	√	√	√	√	√	√
•YELLOW FEVER		√	√	√	√	√	√	√
•VITAMIN A		√	√	√	√	√	√	√
•MENINGITIS		√	√	√	√	√	√	√
Non-NPI Immunization limited to:
•TYPHOID FEVER,		x	x	x	√	√	√	√
•CHICKEN POX,		x	x	x	√	√	√	√
•IPV		x	x	x	√	√	√	√
•HEPATITIS A		x	x	x	√	√	√	√
•VITAMIN K		x	x	x	√	√	√	√
•MMR		x	x	x	√	√	√	√
Additional Immunization for 7 years to 16years limited to:
•YELLOW FEVER,		x	x	√	√	√	√	√
•CHICKEN POX,		x	x	√	√	√	√	√
•HEPATITIS B		x	x	√	√	√	√	√
ACCIDENT & EMERGENCY BENEFIT
Nationwide Emergency evacuation:		Up to N300,000 Limit per annum	Up to 350,000 Limit per annum	Up to N400,00 Limit per annum	Up to N450,000 Limit per annum	Up to N500,000 limit per annum	Up to N600,000 limit per annum	Up to N900,000 limit per annum
Ambulance services
•Road side to hospital
•hospital to hospital
G.P consultations in emergency room & ICU
Specialist consultations in emergency room & ICU
Stabilization in Emergency room care
Intensive care unit
Laboratory Investigations while in ICU & Emergency room
Radiological Investigations while in ICU & Emergency room
Surgical intervention while in ICU & Emergency room
Prescibed medications
EYE CARE BENEFIT
GP Consultation		√	√	√	√	√	√	√
Pain therapy		√	√	√	√	√	√	√
visual acquity test		√	√	√	√	√	√	√
Color vision tests		√	√	√	√	√	√	√
Consultation with Optician, Opthometrist		√	√	√	√	√	√	√
Consultation with Opthalmologist		√	√	√	√	√	√	√
Refraction		√	√	√	√	√	√	√
Tonometry *		√	√	√	√	√	√	√
Slit lamp exam*		√	√	√	√	√	√	√
Pupillary exam		√	√	√	√	√	√	√
Corneal topography		√	√	√	√	√	√	√
Retinoscopy		√	√	√	√	√	√	√
Prescribed Medications		√	√	√	√	√	√	√
Lens only		Up to N10,000 Limit per annum	Up to N12,000 Limit  per annum	Up to N15,000 Limit   per annum	Up to N20,000 Limit per annum	Up to N30,000 limit  per annum	Up to N40,000 limit per annum	Up to N60,000 limit per annum
Eye Surgery limited to Pterygium excision , Chalazon & Cataract extraction including post-surgery prescribed medications		Up to N50,000 Limit	Up to N75,000 Limit	Up to N100,000 Limit	Up to N140,000 Limit	Up to N160,000 limit	Up to N180,000 limit	Up to N200,000 limit
DENTAL CARE BENEFIT
GP Consultation		√	√	√	√	√	√	√
Pain therapy		√	√	√	√	√	√	√
Consultation with a dentist		√	√	√	√	√	√	√
Dental investigations:		Up to N15,000 per annum	Up to N20,000 per annum	Up to N40,000 per annum	Up to N60,000 per annum	Up to N80,000 limit per annum	Up to N100,000 limit per annum	Up to N150,000 limit per annum
scaling and polishing
simple & surgical extraction,
Composite Filling
Amalgam filling
Root canal treatment
Gingival treatment
Crowning only
Braces
x-rays
Periapicals
Occlusal X-Ray
Panoramic View(OPG)
REHABILITATIVE CARE BENEFITS
Physiotherapy Sessions		5 sessions per anum	7 sessions per anum	10sessions per anum	12 sessions per anum	14 sessions per anum	17 sessions per anum	20 sessions per anum
prescribed appliances like neck collars, corsets, crutches, elastic socks etc		Covered up to N20,000 per annum	Covered up to N20,000 per annum	Covered up to N20,000 per annum	Covered up to N25,000 per annum	Covered up to N30,000 per annum	Covered up to N30,000 per annum	Covered up to N40,000 per annum
Prescribed Medications		√	√	√	√	√	√	√
Prosthesis and orthotics (locally made only)		Covered up to N10,000 per annum	Covered up to N20,000 per annum	Covered up to N30,000 per annum	Covered up to N40,000 per annum	Covered up to N55,000 per annum	Covered up to N65,000 per annum	Covered up to N80,000 per annum
BEHAVIOURAL CARE BENEFIT
Mental health consultation and assessment		Covered up to N50,000 per annum	Covered up to N70,000 per annum	Covered up to N120,000 per annum	Covered up to N200,000 per annum	Covered up to N250,000 per annum	Covered up to N300,000 per annum	Covered up to N350,000 per annum
Treatment of acute phase and prescribed medications
EARS, NOSE & THROAT CARE  BENEFITS
Treatment of ENT Diseases & removal of foreign body		√	√	√	√	√	√	√
ENT Surgeries		covered up to surgical limit	covered up to surgical limit	covered up to surgical limit	covered up to surgical limit	covered up to surgical limit	covered up to surgical limit	covered up to surgical limit
CRITICAL ILLNESS BENEFIT
Critical Illness (Principal only):		Up to N200,000 per annum	Up to N300,000 per annum	Up to N400,000 per annum	Up to N600,000 per annum	Up to N800,000 per annum	Up to N1,000,000 per annum	Up to N2,000,000 per annum
Cancer care limited to treatment: diagnosis, radiotherapy & chemotherapy		√	√	√	√	√	√	√
Renal Failure		√	√	√	√	√	√	√
Heart Attack		√	√	√	√	√	√	√
Stroke		√	√	√	√	√	√	√
Coma of specified severity		x	x	x	x	x	x	√
Major organ / bone marrow transplant		x	x	x	x	x	x	√
Multiple sclerosis with persisting symptoms.		x	x	x	x	x	x	√
Open chest CABG		x	x	x	x	x	x	√
Pre/ Post hospital care		x	x	x	x	x	x	√
Emergency care including intensive room care		x	x	x	x	x	x	√
Second Medical Opinion (In India)		x	x	x	x	x	x	√
Congenital malformation		x	x	x	x	x	x	√
VALUE ADDED BENEFIT
HIV/AIDS( treatment at designated centres)		√	√	√	√	√	√	√
Health talks		√	√	√	√	√	√	√
Mortuary Services (N300,000/family annually)		√	√	√	√	√	√	√
Group Personal Accident (GPA) For Principal only : Death & Permanent Disability Benefit		Covered up to N150,000 per annum	Covered up to N150,000 per annum	Covered up to N150,000 per annum	Covered up to N150,000 per annum	Covered up to N250,000 per annum	Covered up to N250,000 per annum	Covered up to N250,000 per annum
Gym Access (Principal only)		x	x	x	1 Session per week	1 Session per week	2 Sessions per week	2 Sessions per week
Spa services (Principal only)		x	x	x	x	x	3 Sessions per annum	3  Sessions per annum
Personalised Health Equipment (Principal only, subject to diagnosis)		x	x	x	x	N10,000 per annum	N10,000 per annum	N15,000 per annum
Reimbursement for overseas treatment on surgery & maternity (subject to authorisation & benefit limit)		x	√	√	√	√	√	√
Travel Insurance (reimbursement basis)		x	x	x	x	x	Up to N10,500 annually	Up to N10,500 annually
Interstate referal services		√	√	√	√	√	√	√
Pre-employment Tests (available on request)
*  This quote is valid till 30th June, 2025
*  Family is Maximum of 4 children under 21 years of age
* chronic medications to be dispensed via pharmassist

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