Buy Your Corporate Plan – Individual

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	Capitated Network	Capitated Network	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	x	x	√
INVESTIGATIONS
Basic laboratory Investigations
•Histopathology	√	√	√	√	√	√	√	√	√
•Haematology	√	√	√	√	√	√	√	√	√
•Microbiology	√	√	√	√	√	√	√	√	√
•Serology	√	√	√	√	√	√	√	√	√
•Clinical chemistry	√	√	√	√	√	√	√	√	√
•Histopathology	√	√	√	√	√	√	√	√	√
Basic Radiological Investigations :
•Ultra sonography	x	x	√	√	√	√	√	√	√
•X-Ray;Chest, Limb, Thorax, Vetebrae, Abdomen	x	√	√	√	√	√	√	√	√
Advanced and Complex Investigations not limited to:
•D-dimers,	x	x	x	√	√	√	√	√	√
•Echocardiogram	x	x	x	√	√	√	√	√	√
•IVU	x	x	x	√	√	√	√	√	√
•Contrast studies	x	x	x	√	√	√	√	√	√
•Doppler Scan	x	x	x	√	√	√	√	√	√
•CT scan or MRI (once annually)	x	x	x	Limited to CT-Scan	√	√	√	√	√
•Electrocardiogram	x	x	√	√	√	√	√	√	√
Prescribed medications (outpatient)	√	√	√	√	√	√	√	√	√
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 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	x	√	√	√	√	√	√	√
•Obstetrician	x	x	√	√	√	√	√	√	√
•General Surgeon	x	x	√	√	√	√	√	√	√
•Pediatrician	x	x	√	√	√	√	√	√	√
•ENT Surgeon	x	x	√	√	√	√	√	√	√
•Family Physician	x	x	√	√	√	√	√	√	√
•Cardiologist	x	x	√	√	√	√	√	√	√
•Neurologist	x	x	√	√	√	√	√	√	√
•Orthopaedic Surgeon	x	x	√	√	√	√	√	√	√
•Psychiatrist	x	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 not limited to chronic medical conditions like Hypertension, Diabetes, Asthma, Sickle cell,Peptic, Duodenal Ulcer, Arthritis etc	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 (Cardiac Health Test)	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(Females over 21years Old)	x	x	x	x	x	√	√	√	√
•Prostate Screening Antigen (Males ove 45years Old)	x	x	x	x	x	x	√	√	√
•Mammogram(Females over 45years Old)	x	x	x	x	x	x	√	√	√
MAJOR DISEASE CONDITION BENEFITS
Surgical Procedures (Intermediate & Major)	x	x	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	x	√	√	√	√	√	√	√
•Marsupialization ( Bartholin’s cyst)	x	x	√	√	√	√	√	√	√
•Polypectomy	x	x	√	√	√	√	√	√	√
•Cauterization	x	x	√	√	√	√	√	√	√
•Cervical biopsy(punch)	x	x	√	√	√	√	√	√	√
•Cervical biopsy(cone)	x	x	√	√	√	√	√	√	√
•Ovarian cystectomy	x	x	√	√	√	√	√	√	√
•Excision- Biopsy of Breast Mass	x	x	√	√	√	√	√	√	√
•Surgical drainage of breast abscess	x	x	√	√	√	√	√	√	√
•surgical drainage of Galactocoele	x	x	√	√	√	√	√	√	√
•Biopsy of Breast lump	x	x	√	√	√	√	√	√	√
•Biopsy of thyroid gland	x	x	√	√	√	√	√	√	√
•Tracheostomy	x	x	√	√	√	√	√	√	√
•Oesophagoscopy	x	x	√	√	√	√	√	√	√
•Excision biopsy of simple tumour of the abdominal wall	x	x	√	√	√	√	√	√	√
•Lords procedure	x	x	√	√	√	√	√	√	√
•Surgical drainage of anal abscess	x	x	√	√	√	√	√	√	√
•Anal fistulectomy	x	x	√	√	√	√	√	√	√
•Appendicectomy	x	x	√	√	√	√	√	√	√
•Inguinal herniorrhaphy	x	x	√	√	√	√	√	√	√
•Femoral herniorrhaphy	x	x	√	√	√	√	√	√	√
•Ventral herniorrhaphy	x	x	√	√	√	√	√	√	√
•Epigastricherniorraphy	x	x	√	√	√	√	√	√	√
•Closed reduction of fractures and application of external cast	x	x	√	√	√	√	√	√	√
•Closed reduction and immobilization of joint dislocation	x	x	√	√	√	√	√	√	√
•Subperiosteal drainage of acute osteomyelitis	x	x	√	√	√	√	√	√	√
•Drainage of septic arthritis	x	x	√	√	√	√	√	√	√
•Aspiration of joints	x	x	√	√	√	√	√	√	√
•Excision-biopsy of simple tissue	x	x	√	√	√	√	√	√	√
•Drainage of paronychia	x	x	√	√	√	√	√	√	√
•Surgical drainage of hand abscess	x	x	√	√	√	√	√	√	√
•Circumcision	x	x	√	√	√	√	√	√	√
•Release of chordee	x	x	√	√	√	√	√	√	√
•Orchidopexy	x	x	√	√	√	√	√	√	√
•Hydrocoelectomy	x	x	√	√	√	√	√	√	√
•Excision of intrascrotal mass	x	x	√	√	√	√	√	√	√
•Surgical correction of torsion of the spermatic cord	x	x	√	√	√	√	√	√	√
•Varicocoelectomy	x	x	√	√	√	√	√	√	√
•Intercostal drainage insertion	x	x	√	√	√	√	√	√	√
BLOOD TRANSFUSION
• Pints of Blood + Administration	x	x	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	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
OBSTETRICS RELATED TREATMENTS: MATERNITY BENEFITS:
Ante-natal care at registered network provider	x	Up to N50,000 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 N450,000 Limit per annum	Up to N700,000 Limit per annum
Complications from Childbirth	x
Other Medical Conditions during Pregnancy	x
Pre-eclampsia	x
Ocassional Spotting	x
False labour	x
Physician-prescribed bed rest during pregnancy	x
Normal Delivery including Post-Partum Care + Admission	x
Assisted delivery including Post-Partum Care + Admission	x
Forcept delivery including Post-Partum Care+ Admission	x
Pre-term delivery including Post-Partum Care + Admission	x
Term delivery including Post-Partum Care+ Admission	x
Mutiple delivery including Post-Partum Care + Admission	x
Caesarean Section including Post-partum care + Admission	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	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
Specialist Review
Specialist Review for non-chronic conditions	x	√	√	√	√	√	√	√	√
Specialist Review for chronic conditions	x	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
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	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
Neonatal care	x	x	√	√	√	√	√	√	√
Exchange blood transfusion (kit + blood)	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
Paediatric general examination	x	x	√	√	√	√	√	√	√
NPI Immunization
•BCG,	x	√	√	√	√	√	√	√	√
•OPV,	x	√	√	√	√	√	√	√	√
•PENTAVALENT (DPT, HEPATITIS B, HEAMOPHILLUS INFLUENZA B	x	x	√	√	√	√	√	√	√
•PNEUMOCOCCAL CONJUGATE	x	x	√	√	√	√	√	√	√
•ROTAVIRUS	x	x	√	√	√	√	√	√	√
•MEASLES	x	x	√	√	√	√	√	√	√
•YELLOW FEVER	x	x	√	√	√	√	√	√	√
•VITAMIN A	x	x	√	√	√	√	√	√	√
•MENINGITIS	x	x	√	√	√	√	√	√	√
Non-NPI Immunization limited to:
•TYPHOID FEVER,	x	x	x	x	x	√	√	√	√
•CHICKEN POX,	x	x	x	x	x	√	√	√	√
•IPV	x	x	x	x	x	√	√	√	√
•HEPATITIS A	x	x	x	x	x	√	√	√	√
•VITAMIN K	x	x	x	x	x	√	√	√	√
•MMR	x	x	x	x	x	√	√	√	√
ACCIDENT & EMERGENCY BENEFIT
Nationwide Emergency evacuation- Road site to Hospital, hospital to Hospital	x	x	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	x
Stabilization in Emergency room care	x	x
Intensive care unit	x	x
Investigations	x	x
Surgical intervention	x	x
Prescibed medications	x	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 (including prescribed appliances like neck collars, corsets, crutches, elastic socks etc)	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)	x	x	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 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	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	√	√	√	√	√	√
Travel Insurance (reimbursement basis)	x	x	x	x	x	x	x	Up to N7,400	Up to N7,400
Second Opinion (local)	x	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
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	√

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