|
BASIC PACKAGE |
|
INTERMEDIATE PACKAGE |
|
ENHANCED PACKAGE |
|
TITANIUM ACCESS |
TITANIUM BASIC |
TITANIUM COMPACT |
GOLD KLASSIC |
GOLD ULTRA |
GOLD ULTRA-PLUS |
DELUXE-PRO |
ROYAL PRO |
ROYAL PRO-MAX |
REGION OF COVER |
Nigeria |
Nigeria |
Nigeria |
Nigeria |
Nigeria |
Nigeria |
Nigeria |
Nigeria |
Nigeria & India |
PROVIDER TYPE |
Standard Network |
Standard Network |
Standard Network |
Standard Network |
Standard Network |
Standard Network |
Enhanced Network |
Enhanced Network |
Enhanced Network |
PREMIUM PER PERSON PER YEAR |
GET A QUOTE |
GET A QUOTE |
GET A QUOTE |
OVERALL LIMIT ( all sub limits add to overall) |
OUT-PATIENT BENEFIT |
GP Consultations at chosen accredited primary care provider |
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Fast track Access for GP Consultation only |
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x |
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Investigations |
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•Malaria Parasite Test |
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•Blood films |
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•WBC-Total |
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•WBC-Differential |
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•PCV |
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•FBC |
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•Urinalysis |
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•Urine Pregnancy Test |
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•Blood Grouping |
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•Genotype |
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•Fasting Blood Sugar(For non diabetic Patient) |
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•Random Blood Sugar(For non diabetic Patient) |
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•Serum Electrolytes/Urea/Creatinine |
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•Blood Grouping |
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•Direct/Indirect Coombs Test Each |
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•Hormonal Assays, |
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•Widal |
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•H-Pylori Rapid Test |
x |
x |
x |
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•Cardiac Enzymes |
x |
x |
x |
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RADIOLOGICAL INVESTIGATIONS ; |
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•Ultra sound scan |
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•X-Ray;Chest, Limb, Thorax, Vetebrae,Abdomen |
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•D-dimers, |
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x |
x |
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•Echocardiogram |
x |
x |
x |
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•IVU |
x |
x |
x |
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•Contrast studies |
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x |
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•Doppler Scan |
x |
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•Electrocardiogram |
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x |
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•CT scan or MRI (once annually) |
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Limited to CT-Scan |
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Prescribed medications |
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Nursing care |
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Nebulisation |
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Acute care benefits including out-of-network care |
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Minor surgery |
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•Simple suturing of Lacerations |
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•Incision & Drainage |
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•Tongue Tie Release |
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•Aspirations & Paracentesis |
x |
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•Debridgement of wounds-Minor |
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SPECIALIST CONSULTATION |
Consultation with common specialist |
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Covered Up to 2 visits |
Covered Up to 3 visits |
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Covered Up to 4 visits |
Covered Up to 6 visits |
Covered Up to 7 visits |
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Covered Up to 8 visits |
Covered Up to 9 visits |
Covered Up to 9 visits |
•Gynaecologist |
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•Obstetrician |
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•General Surgeon |
x |
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•Pediatrician |
x |
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•ENT Surgeon |
x |
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•Family Physician |
x |
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•Cardiologist |
x |
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•Neurologist |
x |
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•Orthopaedic Surgeon |
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•Psychiatrist |
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Consultation with Rare Specialists- |
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•Neurosurgion |
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x |
x |
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•Endocrinologist |
x |
x |
x |
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•Rheumatologist |
x |
x |
x |
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•Urologist |
x |
x |
x |
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•Nephrologist |
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x |
x |
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•Oncologist |
x |
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x |
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•Cardio-Thoracic Surgeon |
x |
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x |
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•Immunologist |
x |
x |
x |
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•Enterologist |
x |
x |
x |
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•Neonatalogist |
x |
x |
x |
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CHRONIC DISEASE MANAGEMENT |
Prescribed Medications for Hypertension, Diabetes, Asthma, Sickle cell,Peptic & Duodenal Ulcer, Arthritis. |
x |
x |
Up to N60,000 per Year |
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Up to N80,000 per Year |
Up to N100,000 per Year |
Up to N120,000 per Year |
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Up to N150,000 per Year |
Up to N180,000 per Year |
Up to N200,000 per Year |
PREVENTIVE & HEALTH PROMOTION BENEFIT |
Annual physical in your doctor room |
x |
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Annual Medical Screening |
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•Physical Examination |
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•Fasting Blood Sugar |
x |
x |
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•Urinalysis |
x |
x |
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•Stool For Occult Blood |
x |
x |
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•HIV 1&2 Screening |
x |
x |
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•Complete Blood Count |
x |
x |
x |
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•Chest X-ray |
x |
x |
x |
x |
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•Abdomino-pelvic Ultrasound |
x |
x |
x |
x |
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•Fasting Lipids |
x |
x |
x |
x |
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•ECG (Resting) |
x |
x |
x |
x |
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•Renal Function Test (Electrolyte, creatinine and urea) |
x |
x |
x |
x |
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•Liver Function Test |
x |
x |
x |
x |
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•Hepatitis B & C Screening |
x |
x |
x |
x |
x |
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•Cervical screening |
x |
x |
x |
x |
x |
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•Prostate Screening Antigen |
x |
x |
x |
x |
x |
x |
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•Mammogram |
x |
x |
x |
x |
x |
x |
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CHILD (UNDER-5 YEARS) IMMUNIZATION BENEFIT |
NPI Immunization |
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•BCG, |
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•OPV, |
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•HEPATITIS B, |
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•DPT, |
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•HEAMOPHILLUS INFLUENZA B |
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•MEASLES |
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•YELLOW FEVER |
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Non-NPI Immunization limited to: |
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•ROTAVIRUS, |
x |
x |
x |
x |
x |
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•PNEUMOCOCCAL, |
x |
x |
x |
x |
x |
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•CHICKEN POX, |
x |
x |
x |
x |
x |
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•TYPHOID FEVER, |
x |
x |
x |
x |
x |
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•MENINGITIS |
x |
x |
x |
x |
x |
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MAJOR DISEASE CONDITION BENEFITS |
Surgical Procedures (Intermediate & Major) |
x |
Up to N60,000 Limit per annum |
Up to N150,000 Limit per annum |
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Up to N200,000 Limit per annum |
Up to N250,000 Limit per annum |
Up to N300,000 Limit per annum |
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Up to N1,000,000 limit per annum |
Up to N1,200,000 limit per annum |
Up to N2,000,000 limit per annum |
•Therapeutic Evacuation |
x |
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•Marsupialization ( Bartholin’s cyst) |
x |
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•Polypectomy |
x |
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•Cauterization |
x |
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•Cervical biopsy(punch) |
x |
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•Cervical biopsy(cone) |
x |
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•Ovarian cystectomy |
x |
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•Excision- Biopsy of Breast Mass |
x |
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•Surgical drainage of breast abscess |
x |
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•surgical drainage of Galactocoele |
x |
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•Biopsy of Breast lump |
x |
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•Biopsy of thyroid gland |
x |
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•Tracheostomy |
x |
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•Oesophagoscopy |
x |
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•Excision biopsy of simple tumour of the abdominal wall |
x |
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•Lords procedure |
x |
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•Surgical drainage of anal abscess |
x |
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•Anal fistulectomy |
x |
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•Appendicectomy |
x |
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•Inguinal herniorrhaphy |
x |
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•Femoral herniorrhaphy |
x |
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•Ventral herniorrhaphy |
x |
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•Epigastricherniorraphy |
x |
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•Closed reduction of fractures and application of external cast |
x |
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•Closed reduction and immobilization of joint dislocation |
x |
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•Subperiosteal drainage of acute osteomyelitis |
x |
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•Drainage of septic arthritis |
x |
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•Aspiration of joints |
x |
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•Excision-biopsy of simple tissue |
x |
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•Drainage of paronychia |
x |
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•Surgical drainage of hand abscess |
x |
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•Circumcision |
x |
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•Release of chordee |
x |
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•Orchidopexy |
x |
√ |
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√ |
√ |
√ |
√ |
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•Hydrocoelectomy |
x |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
•Excision of intrascrotal mass |
x |
√ |
√ |
√ |
√ |
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√ |
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√ |
•Surgical correction of torsion of the spermatic cord |
x |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
•Varicocoelectomy |
x |
√ |
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√ |
√ |
√ |
√ |
•Intercostal drainage insertion |
x |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
REPRODUCTIVE HEALTH BENEFIT |
Family Planning counselling |
x |
x |
covered |
|
covered |
covered |
covered |
|
covered |
covered |
covered |
•IUCDS, |
x |
x |
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 |
x |
x |
x |
Up to N100,000 per annum |
Up to N120,000 per annum |
Up to N150,000 per annum |
Up to N200,000 per annum |
Up to N300,000 per annum |
MATERNITY BENEFITS: |
Ante-natal care at registered network provider |
x |
√ |
√ |
|
√ |
√ |
√ |
|
√ |
√ |
√ |
Normal Delivery including Post-Partum Care |
x |
Assisted delivery |
x |
Forcept delivery |
x |
Pre-term delivery |
x |
Term delivery |
x |
Mutiple delivery |
x |
Caesarean Section including Post-partum care |
x |
Up to N50,000 Limit per annum |
Up to N150,000 Limit per annum |
Up to N200,000 Limit per annum |
Up to N250,000 Limit per annum |
Up to N300,000 Limit per annum |
Up to N350,000 Limit per annum |
Up to N400,000 Limit per annum |
Up to N600,000 Limit per annum |
False labour |
x |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
Pre-eclampsia |
x |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
Ocassional Spotting |
x |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
Physician-prescribed bed rest during pregnancy |
x |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
other Medical Conditions during Pregnancy |
x |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
Complications from Childbirth |
x |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
Exchange blood transfusion |
x |
x |
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 3 weeks after delivery |
x |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
IN-PATIENT BENEFIT |
Ward admission |
Standard Ward up to 24hrs Per Annum |
Standard Ward up to 5 days Per Annum |
Standard Ward up to 15 days per annum |
|
Semi-Private Ward up to 15 days per annum |
Private Ward up to 18 days per annum |
Private Ward up to 22 days per annum |
|
Private ward up to 25 days per annum |
Private ward up to 30 days per annum |
Private ward up to 30 days per annum |
Feeding |
x |
√ |
√ |
√ |
√ |
√ |
|
√ |
√ |
√ |
Accommodation for mothers whose dependants are on admission (SCBU/NICU cases only, excluding feeding) |
x |
x |
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 |
Laboratory investigations |
√ |
√ |
√ |
√ |
√ |
√ |
|
√ |
√ |
√ |
Nursing care |
√ |
√ |
√ |
√ |
√ |
√ |
|
√ |
√ |
√ |
Dressing |
√ |
√ |
√ |
√ |
√ |
√ |
|
√ |
√ |
√ |
Prescribed medications: |
|
|
|
|
|
|
|
|
|
|
Non-chronic condition medication |
√ |
√ |
√ |
√ |
√ |
√ |
|
√ |
√ |
√ |
Chronic condition medication |
x |
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 |
covered up limit on chronic medications |
Specialist Review |
|
|
|
|
|
|
|
|
|
|
Specialist Review for non-chronic conditions |
x |
√ |
√ |
√ |
√ |
√ |
|
√ |
√ |
√ |
Specialist Review for chronic conditions |
x |
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 |
subject to limit on plan |
PAEDIATRIC CARE (FAMILY PLAN HOLDER ONLY) |
Consultation with Peadeatrician |
x |
x |
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 |
x |
x |
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 |
x |
x |
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 |
x |
x |
Neonatal care |
x |
x |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
ACCIDENT & EMERGENCY BENEFIT |
Nationwide Emergency evacuation- Road site to Hospital, hospital to Hospital |
x |
Up to N50,000 Limit per annum |
Up to N150,000 Limit per annum |
|
Up to N200,000 Limit per annum |
Up to N250,00 Limit per annum |
Up to N300,00 Limit per annum |
|
Up to N350,000 limit per annum |
Up to N400,000 limit per annum |
Up to N600,000 limit per annum |
consultations |
x |
Stabilization in Emergency room care |
x |
Intensive care unit |
x |
Investigations |
x |
Surgical intervention |
x |
Prescibed medications |
x |
EYE CARE BENEFIT |
GP Consultation |
√ |
√ |
√ |
|
√ |
√ |
√ |
|
√ |
√ |
√ |
Pain therapy |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
Consultation with Optician |
x |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
Tests, Lens & Prescribed Medications |
x |
Up to N5,000 Limit |
Up to N10,000 Limit |
Up to N12,000 Limit |
Up to N15,000 Limit |
Up to N20,000 Limit |
Up to N30,000 limit |
Up to N40,000 limit |
Up to N50,000 limit |
Eye Surgery such as Pterygium excision & Cataract extraction as well as post-surgery prescribed medications |
x |
x |
X |
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 |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
Dental investigations, |
x |
x |
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 N120,000 limit per annum |
scaling and polishing |
x |
x |
simple & surgical extraction, |
x |
x |
Composite Filling |
x |
x |
Amalgam filling |
x |
x |
Root canal treatment |
x |
x |
Gingival treatment |
x |
x |
Crowning only |
x |
x |
Braces |
x |
x |
REHABILITATIVE CARE BENEFITS |
Physiotherapy treatment |
x |
x |
Covered up to N20,000 per annum |
|
Covered up to N40,000 per annum |
Covered up to N50,000 per annum |
Covered up to N60,000 per annum |
|
Covered up to N65,000 per annum |
Covered up to N85,000 per annum |
Covered up to N120,000 per annum |
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 |
Psychiatry assessment & treatment of acute phase |
x |
x |
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 |
VALUE ADDED BENEFIT |
HIV/AIDS( treatment at designated centres) |
√ |
√ |
√ |
|
√ |
√ |
√ |
|
√ |
√ |
√ |
Telemedicine Services |
|
|
|
|
|
|
|
|
|
Medical Consultation & Counselling via: |
|
|
|
|
|
|
|
|
|
•Voice call |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
•Voice chat |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
•Video call |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
Delivery of drugs |
x |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
Health talks |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
Mortuary Services |
x |
x |
Covered up to N20,000 per annum |
Covered up to N30,000 per annum |
Covered up to N30,000 per annum |
Covered up to N30,000 per annum |
Covered up to N40,000 per annum |
Covered up to N40,000 per annum |
Covered up to N50,000 per annum |
Group Personal Accident (GPA) For Principal only |
x |
x |
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 |
x |
x |
x |
x |
x |
5 Sessions per annum |
10 Sessions per annum |
15 Sessions per annum |
20 Sessions per annum |
Spa services |
x |
x |
x |
x |
x |
x |
2 Sessions per annum |
3 Sessions per annum |
3 Sessions per annum |
Personalised Health Equipment (Principal only, subject to diagnosis) |
x |
x |
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 benefit limit) |
x |
x |
x |
√ |
√ |
√ |
√ |
√ |
√ |
COVID-19 Treatment (at designated centres)* |
x |
x |
x |
x |
x |
x |
Up to N100,000 per annum |
Up to N150,000 per annum |
Up to N250,000 per annum |
Travel Insurance (reimbursement basis) |
x |
x |
x |
x |
x |
x |
x |
Up to N7,400 |
Up to N7,400 |
Second Opinion (local) |
x |
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 |
subject to specialist consultation limit |
CRITICAL ILLNESS BENEFIT |
Critical Illness: |
|
|
Up to N100,000 per annum |
|
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 N1,000,000 per annum |
Up to N2,000,000 per annum |
Cancer care limited to treatment: diagnosis, radiotherapy & chemotherapy |
x |
x |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
Renal Failure |
x |
x |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
Heart Attack |
x |
x |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
Stroke |
x |
x |
√ |
√ |
√ |
√ |
√ |
√ |
√ |
Coma of specified severity |
x |
x |
x |
x |
x |
x |
x |
x |
√ |
Major organ / bone marrow transplant |
x |
x |
x |
x |
x |
x |
x |
x |
√ |
Multiple sclerosis with persisting symptoms. |
x |
x |
x |
x |
x |
x |
x |
x |
√ |
Open chest CABG |
x |
x |
x |
x |
x |
x |
x |
x |
√ |
Pre/ Post hospital care |
x |
x |
x |
x |
x |
x |
x |
x |
√ |
Emergency care including intensive room care |
x |
x |
x |
x |
x |
x |
x |
x |
√ |
Second Medical Opinion (In India) |
x |
x |
x |
x |
x |
x |
x |
x |
√ |
Congenital malformation |
x |
x |
x |
x |
x |
x |
x |
x |
√ |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Add-on Benefit at Additional Premium |
|
|
|
|
|
|
|
|
|
|
|
Emergency evacuation by air ambulance |
$1200/head |
|
|
|
|
|
|
|
|
|
|
Evacuation cost (Air & Ground) |
|
|
|
|
|
|
|
|
|
|
|
Hospital expenses |
|
|
|
|
|
|
|
|
|
|
|
Accompanying family member (1) |
|
|
|
|
|
|
|
|
|
|
|
Ground Ambulance |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Maternity services in India |
To be advised |
|
|
|
|
|
|
|
|
|
|
Hospital Cash Benefit |
|
|
|
|
|
|
|
|
|
|
|
Pre-existing conditions |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|