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296 Herbert Macaulay Way, Sabo-Yaba, Lagos
Mon - Fri : 09:00 - 17:00
+234 1 448 9821; +234 703 000 9099
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Corporate Plan – Individual

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 √ √ √ √ √ √ √ √ √
Fast track Access for GP Consultation only x x x x x x x x √
Investigations
•Malaria Parasite Test √ √ √ √ √ √ √ √ √
•Blood films √ √ √ √ √ √ √ √ √
•WBC-Total √ √ √ √ √ √ √ √ √
•WBC-Differential √ √ √ √ √ √ √ √ √
•PCV √ √ √ √ √ √ √ √ √
•FBC √ √ √ √ √ √ √ √ √
•Urinalysis √ √ √ √ √ √ √ √ √
•Urine Pregnancy Test √ √ √ √ √ √ √ √ √
•Blood Grouping √ √ √ √ √ √ √ √ √
•Genotype √ √ √ √ √ √ √ √ √
•Fasting Blood Sugar(For non diabetic Patient) √ √ √ √ √ √ √ √ √
•Random Blood Sugar(For non diabetic Patient) √ √ √ √ √ √ √ √ √
•Serum Electrolytes/Urea/Creatinine √ √ √ √ √ √ √ √ √
•Blood Grouping √ √ √ √ √ √ √ √ √
•Direct/Indirect Coombs Test Each √ √ √ √ √ √ √ √ √
•Hormonal Assays, √ √ √ √ √ √ √ √ √
•Widal √ √ √ √ √ √ √ √ √
•H-Pylori Rapid Test x x x √ √ √ √ √ √
•Cardiac Enzymes x x x √ √ √ √ √ √
RADIOLOGICAL  INVESTIGATIONS ;
•Ultra sound scan x x √ √ √ √ √ √ √
•X-Ray;Chest, Limb, Thorax, Vetebrae,Abdomen x √ √ √ √ √ √ √ √
•D-dimers, x x x √ √ √ √ √ √
•Echocardiogram x x x √ √ √ √ √ √
•IVU x x x √ √ √ √ √ √
•Contrast studies x x x √ √ √ √ √ √
•Doppler Scan x x x √ √ √ √ √ √
•Electrocardiogram x x √ √ √ √ √ √ √
•CT scan or MRI (once annually) x x x Limited to CT-Scan √ √ √ √ √
Prescribed medications √ √ √ √ √ √ √ √ √
Nursing care √ √ √ √ √ √ √ √ √
Nebulisation x √ √ √ √ √ √ √ √
Acute care benefits including out-of-network care x √ √ √ √ √ √ √ √
Minor surgery
•Simple suturing of Lacerations √ √ √ √ √ √ √ √ √
•Incision & Drainage √ √ √ √ √ √ √ √ √
•Tongue Tie Release x √ √ √ √ √ √ √ √
•Aspirations & Paracentesis x √ √ √ √ √ √ √ √
•Debridgement of wounds-Minor √ √ √ √ √ √ √ √ √
SPECIALIST CONSULTATION
Consultation with common specialist Covered Up to 2 visits Covered Up to 3 visits Covered Up to 4 visits Covered Up to 6 visits Covered Up to 7 visits Covered Up to 8 visits Covered Up to 9 visits Covered Up to 9 visits
•Gynaecologist x √ √ √ √ √ √ √ √
•Obstetrician x √ √ √ √ √ √ √ √
•General Surgeon x √ √ √ √ √ √ √ √
•Pediatrician x √ √ √ √ √ √ √ √
•ENT Surgeon x √ √ √ √ √ √ √ √
•Family Physician x √ √ √ √ √ √ √ √
•Cardiologist x √ √ √ √ √ √ √ √
•Neurologist x √ √ √ √ √ √ √ √
•Orthopaedic Surgeon x √ √ √ √ √ √ √ √
•Psychiatrist x √ √ √ √ √ √ √ √
Consultation with Rare Specialists-
•Neurosurgion x x x √ √ √ √ √ √
•Endocrinologist x x x √ √ √ √ √ √
•Rheumatologist x x x √ √ √ √ √ √
•Urologist x x x √ √ √ √ √ √
•Nephrologist x x x √ √ √ √ √ √
•Oncologist x x x √ √ √ √ √ √
•Cardio-Thoracic Surgeon x x x √ √ √ √ √ √
•Immunologist x x x √ √ √ √ √ √
•Enterologist x x x √ √ √ √ √ √
•Neonatalogist x x x √ √ √ √ √ √
CHRONIC DISEASE  MANAGEMENT
Prescribed Medications for Hypertension, Diabetes, Asthma, Sickle cell,Peptic & Duodenal Ulcer, Arthritis. x x Up to N60,000 per Year Up to N80,000 per Year Up to N100,000 per Year Up to N120,000 per Year 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 √ √ √ √ √ √ √ √
Annual Medical Screening
•Physical Examination √ √ √ √ √ √ √ √ √
•Fasting Blood Sugar x x √ √ √ √ √ √ √
•Urinalysis x x √ √ √ √ √ √ √
•Stool For Occult Blood x x √ √ √ √ √ √ √
•HIV 1&2 Screening x x √ √ √ √ √ √ √
•Complete Blood Count x x x √ √ √ √ √ √
•Chest X-ray x x x x √ √ √ √ √
•Abdomino-pelvic Ultrasound x x x x √ √ √ √ √
•Fasting Lipids x x x x √ √ √ √ √
•ECG (Resting) x x x x √ √ √ √ √
•Renal Function Test (Electrolyte, creatinine and urea) x x x x √ √ √ √ √
•Liver Function Test x x x x √ √ √ √ √
•Hepatitis B & C Screening x x x x x √ √ √ √
•Cervical screening x x x x x √ √ √ √
•Prostate Screening Antigen x x x x x x √ √ √
•Mammogram x x x x x x √ √ √
CHILD (UNDER-5 YEARS) IMMUNIZATION BENEFIT
NPI Immunization
•BCG, √ √ √ √ √ √ √ √ √
•OPV, √ √ √ √ √ √ √ √ √
•HEPATITIS B, √ √ √ √ √ √ √ √ √
•DPT, √ √ √ √ √ √ √ √ √
•HEAMOPHILLUS INFLUENZA B √ √ √ √ √ √ √ √ √
•MEASLES √ √ √ √ √ √ √ √ √
•YELLOW FEVER √ √ √ √ √ √ √ √ √
Non-NPI Immunization limited to:
•ROTAVIRUS, x x x x x √ √ √ √
•PNEUMOCOCCAL, x x x x x √ √ √ √
•CHICKEN POX, x x x x x √ √ √ √
•TYPHOID FEVER, x x x x x √ √ √ √
•MENINGITIS x x x x x √ √ √ √
MAJOR DISEASE CONDITION BENEFITS
Surgical Procedures (Intermediate & Major) x Up to N60,000 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 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 √ √ √ √ √ √ √ √
•Marsupialization ( Bartholin’s cyst) x √ √ √ √ √ √ √ √
•Polypectomy x √ √ √ √ √ √ √ √
•Cauterization x √ √ √ √ √ √ √ √
•Cervical biopsy(punch) x √ √ √ √ √ √ √ √
•Cervical biopsy(cone) x √ √ √ √ √ √ √ √
•Ovarian cystectomy x √ √ √ √ √ √ √ √
•Excision- Biopsy of Breast Mass x √ √ √ √ √ √ √ √
•Surgical drainage of breast abscess x √ √ √ √ √ √ √ √
•surgical drainage of Galactocoele x √ √ √ √ √ √ √ √
•Biopsy of Breast lump x √ √ √ √ √ √ √ √
•Biopsy of thyroid gland x √ √ √ √ √ √ √ √
•Tracheostomy x √ √ √ √ √ √ √ √
•Oesophagoscopy x √ √ √ √ √ √ √ √
•Excision biopsy of simple tumour of the abdominal wall x √ √ √ √ √ √ √ √
•Lords procedure x √ √ √ √ √ √ √ √
•Surgical drainage of anal abscess x √ √ √ √ √ √ √ √
•Anal fistulectomy x √ √ √ √ √ √ √ √
•Appendicectomy x √ √ √ √ √ √ √ √
•Inguinal herniorrhaphy x √ √ √ √ √ √ √ √
•Femoral herniorrhaphy x √ √ √ √ √ √ √ √
•Ventral herniorrhaphy x √ √ √ √ √ √ √ √
•Epigastricherniorraphy x √ √ √ √ √ √ √ √
•Closed reduction of fractures and application of external cast x √ √ √ √ √ √ √ √
•Closed reduction and immobilization of joint dislocation x √ √ √ √ √ √ √ √
•Subperiosteal drainage of acute osteomyelitis x √ √ √ √ √ √ √ √
•Drainage of septic arthritis x √ √ √ √ √ √ √ √
•Aspiration of joints x √ √ √ √ √ √ √ √
•Excision-biopsy of simple tissue x √ √ √ √ √ √ √ √
•Drainage of paronychia x √ √ √ √ √ √ √ √
•Surgical drainage of hand abscess x √ √ √ √ √ √ √ √
•Circumcision x √ √ √ √ √ √ √ √
•Release of chordee x √ √ √ √ √ √ √ √
•Orchidopexy x √ √ √ √ √ √ √ √
•Hydrocoelectomy x √ √ √ √ √ √ √ √
•Excision of intrascrotal mass x √ √ √ √ √ √ √ √
•Surgical correction of torsion of the spermatic cord x √ √ √ √ √ √ √ √
•Varicocoelectomy x √ √ √ √ √ √ √ √
•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
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