| HCI HEALTHCARE EVERGREEN SERIES | ||||
| EVERGREEN BLOOM- Get Quote | EVERGREEN AGILE- Get Quote | EVERGREEN FRESH- Get Quote | EVERGREEN DELIGHT- Get Quote | |
| REGION OF COVER | Nigeria | Nigeria | Nigeria | |
| PROVIDER TYPE | Standard Network | Standard Network | Standard Network | Enhanced Network |
| OUT-PATIENT BENEFIT | ||||
| GP Consultations at chosen accredited primary care provider | √ | √ | √ | √ |
| Telemedicine Services: | ||||
| Medical Consultation & Counselling via- | ||||
| •Voice call | √ | √ | √ | √ |
| •Voice chat | √ | √ | √ | √ |
| •Video call | √ | √ | √ | √ |
| •Pickup of drugs | √ | √ | √ | √ |
| •Delivery of drugs | x | x | √ | √ |
| ChatBot | √ | √ | √ | √ |
| Mobile App | √ | √ | √ | √ |
| 24-7 helpDesk | √ | √ | √ | √ |
| Health talks | √ | √ | √ | √ |
| Access to Webinars | √ | √ | √ | √ |
| Basic 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 | √ | √ | √ | √ |
| 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 -Abdominal | √ | √ | √ | √ |
| Sonography -Cardiac | √ | √ | √ | √ |
| Sonography – Musculoskeletal | √ | √ | √ | √ |
| Sonography – Neuro | √ | √ | √ | √ |
| Acid Phosphatase, total and Prostatic Fraction – [Serum] | √ | √ | √ | √ |
| AFB, Smear Examination By Zn Stain – [Any Specimen ] | √ | √ | √ | √ |
| AFP-Alpha Feto Protein – [Serum] | √ | √ | √ | √ |
| Amino Acids ,Plasma Urine | √ | √ | √ | √ |
| Anti A and B Titre – [Serum] | √ | √ | √ | √ |
| Anti D (Rh) Antibody Titre – [Serum] | √ | √ | √ | √ |
| Anti HCV- Screening, totall antibodies | √ | √ | √ | √ |
| APTT- Activated Partial Thromboplastin – [Plasma] | √ | √ | √ | √ |
| Bacterial Meningitis (Bacterial Antigens) ,CSF | √ | √ | √ | √ |
| Beta HCG – [Serum] | √ | √ | √ | √ |
| Beta HCG – [Urine, Spot] | √ | √ | √ | √ |
| Beta2 Glycoprotein IgM | √ | √ | √ | √ |
| Beta2 Glycoprotein-IgG | √ | √ | √ | √ |
| Bile Acids Total | √ | √ | √ | √ |
| Biopsy-Small, medium Large And Complex Specimen For Histology – [Tissue] | √ | √ | √ | √ |
| Blood Culture – Bactec Plus Anaerobic | √ | √ | √ | √ |
| Body Fluid,Rt Exam With Cytology And Microbiology – [Body Fluid] | √ | √ | √ | √ |
| AFB Smear And Culture by LJ method | √ | √ | √ | √ |
| Culture and Sensitivity | √ | √ | √ | √ |
| Ca-125 (Cancer Antigen-125), – [Serum] | √ | √ | √ | √ |
| CRP – High Sensitivity [Serum] | √ | √ | √ | √ |
| Cytology | √ | √ | √ | √ |
| Dat- Direct Antiglobulin Test (Coomb~S Direct) – [Blood] | √ | √ | √ | √ |
| D-Dimer Quantification – [Plasma] | √ | √ | √ | √ |
| Estradiol (E2) – [Serum] | √ | √ | √ | √ |
| FNAC – Cytological Examination – [FNAC Fluid] | √ | √ | √ | √ |
| Follicle Stimulating Hormone(FSH) | √ | √ | √ | √ |
| Free Fatty Acids, Total, Serum | √ | √ | √ | √ |
| Free T3 + Free T4 + TSH | √ | √ | √ | √ |
| Testosterone, FSH, LH, Prolatin, Progesterone, oestrogen | √ | √ | √ | √ |
| FSH – Follicle Stimulating Hormone – [Serum] | √ | √ | √ | √ |
| Glycated Haemoglobin (HbA1c) | √ | √ | √ | √ |
| HBsAb-Total Antibodies To Hepatitis B Surface Ag – [Serum] | √ | √ | √ | √ |
| HBsAg, Screening – [Serum] | √ | √ | √ | √ |
| Helicobacter Pylori -[Rapid Test] – | √ | √ | √ | √ |
| Hepatitis a,b,c,e screening | √ | √ | √ | √ |
| HIV I & II Antibody Screen (Spot Test ) (Hc) – [Serum] | √ | √ | √ | √ |
| Mammography | √ | √ | √ | √ |
| Microalbumin / Creatinine Ratio | √ | √ | √ | √ |
| Microalbumin-[Urine, 24 Hours] | √ | √ | √ | √ |
| Microfilaria Detection – [Blood] | √ | √ | √ | √ |
| Pap Smears For Cytological Examination – [Hc] | √ | √ | √ | √ |
| Para Thyroid Hormone (Pth) (Intact Molecule) – [Serum] | √ | √ | √ | √ |
| Prothrombin Time (Pt) – [Plasma] | √ | √ | √ | √ |
| PSA Profile | √ | √ | √ | √ |
| PSA-Prostate Specific Antigen, Total – [Hc] | √ | √ | √ | √ |
| PTTK-Partial Thromboplastin Time – [Plasma] | √ | √ | √ | √ |
| Pulmonary Function Test | √ | √ | √ | √ |
| Ra-Rhuematoid Arthritis, Rheumatoid Factor (Rf), IgG (Quantitative) – [Serum] | √ | √ | √ | √ |
| T3 + T4 + Tsh [Hc] | √ | √ | √ | √ |
| Testosterone (Total) – [Serum] | √ | √ | √ | √ |
| Troponin-I – [Serum] | √ | √ | √ | √ |
| VDRL (RPR) – [Csf] | √ | √ | √ | √ |
| Advanced Radiological Investigations not limited to: | ||||
| X-ray: Chest, Thorax, Vertebrae, Limb, Abdomen, Pelvic | √ | √ | √ | √ |
| X-Ray Barium Enema | √ | √ | √ | √ |
| X-Ray Barium Meal Follow Through | √ | √ | √ | √ |
| X-Ray Barium Meal For Ic Region | √ | √ | √ | √ |
| X-Ray Barium Meal Stomach And Duodenum | √ | √ | √ | √ |
| X-Ray Barium Swallow | √ | √ | √ | √ |
| X-Ray Fistulogram | √ | √ | √ | √ |
| X-Ray Hsg | √ | √ | √ | √ |
| X-Ray Invertogram | √ | √ | √ | √ |
| X-Ray Ivp | √ | √ | √ | √ |
| X-Ray Retrograde Pyelography | √ | √ | √ | √ |
| X-Ray Right Elbow Joint Ap/Lat | √ | √ | √ | √ |
| X-Ray T.Tube Cholangiography | √ | √ | √ | √ |
| X-Ray Urethrogram | √ | √ | √ | √ |
| Echocardiogram | √ | √ | √ | √ |
| CT Scan | once annually | √ | √ | √ |
| MRI (Magnetic Resonance Imaging) 2ce anually | once annually | √ | √ | √ |
| Prescribed non chronic medications | √ | √ | √ | √ |
| Acute care benefits including out-of-network care* | √ | √ | √ | √ |
| Minor Surgeries | ||||
| •Simple suturing of Lacerations | √ | √ | √ | √ |
| •Incision & Drainage | √ | √ | √ | √ |
| •Aspirations & Paracentesis | √ | √ | √ | √ |
| •Debridgement of wounds-Minor | √ | √ | √ | √ |
| SPECIALIST CONSULTATION | ||||
| Gynaecologist | √ | √ | √ | √ |
| General Surgeon | √ | √ | √ | √ |
| ENT Surgeon | √ | √ | √ | √ |
| Family Physician | √ | √ | √ | √ |
| Cardiologist | √ | √ | √ | √ |
| Orthopaedic | √ | √ | √ | √ |
| Endocrinologist | √ | √ | √ | √ |
| Nephrologist | √ | √ | √ | √ |
| Urologist | √ | √ | √ | √ |
| Cardiothorasic | √ | √ | √ | √ |
| Neurosurgeon | √ | √ | √ | √ |
| Psychiatrist | √ | √ | √ | √ |
| Heamatologist | √ | √ | √ | √ |
| Pneumonologist | √ | √ | √ | √ |
| Structured lifestyle Management Program | ||||
| Prescribed Medications for chronic medical conditions not limited to Hypertension, heart disease, Diabetes, Asthma,Peptic, Duodenal Ulcer, Arthritis, Osteoporosis, chronic idney disease Alzhimer, Dementia, etc (dispensed via PharmAssist only) | Up to N200,000 annually | Up to N300,000 annually | Up to N500,000 annually | Up to N800,000 annually |
| PREVENTIVE & HEALTH PROMOTION BENEFIT | ||||
| Annual Medical Screening: | ||||
| Height | √ | √ | √ | √ |
| Weight | √ | √ | √ | √ |
| BMI | √ | √ | √ | √ |
| Blood Pressure | √ | √ | √ | √ |
| Complete Blood Count | √ | √ | √ | √ |
| Fasting Blood Sugar | √ | √ | √ | √ |
| Urinalysis | √ | √ | √ | √ |
| ECG | √ | √ | √ | √ |
| PCV | √ | √ | √ | √ |
| Kidney function test | √ | √ | √ | √ |
| Liver Function Test | √ | √ | √ | √ |
| Lipids Profile | √ | √ | √ | √ |
| Pap smear | √ | √ | √ | √ |
| Total Cholersterol | √ | √ | √ | √ |
| Prostrate Specific Antigen | x | x | √ | √ |
| Mammogram | x | x | √ | √ |
| MAJOR DISEASE CONDITION BENEFITS – SURGERY | ||||
| Post-operative investigations | N600,000 per annum | N600,000 per annum | N1,300,000 per annum | N3,000,000 per annum |
| In-patient care related to surgery | ||||
| Consumables | ||||
| Drugs and all investigations related to post surgical care while on admisison for the surgery | ||||
| Procedures | ||||
| IN-PATIENT BENEFIT | ||||
| Ward admission | Semi private ward | Semi private ward | private ward | private ward |
| Feeding | √ | √ | √ | √ |
| Radiological investigations | √ | √ | √ | √ |
| Laboratory investigations | √ | √ | √ | √ |
| Nursing care | √ | √ | √ | √ |
| Dressing | √ | √ | √ | √ |
| Prescribed medications: | √ | √ | √ | √ |
| Supply of Intravenous & intramuscular medications | √ | √ | √ | √ |
| Non-chronic condition medication | √ | √ | √ | √ |
| Chronic condition medication | √ | √ | √ | √ |
| Specialist Review | √ | √ | √ | √ |
| Specialist Review for non-chronic conditions | √ | √ | √ | √ |
| Specialist Review for chronic conditions | √ | √ | √ | √ |
| ACCIDENT & EMERGENCY BENEFIT | ||||
| Nationwide Emergency ambulance evacuation: | N800,000 per annum | N1,300,000 per annum | N1,700,000 per annum | N2,500,000 per annum |
| •Road side to hospital | ||||
| •hospital to hospital | ||||
| Free Uber or bolt ride from home 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 | √ | √ | √ | √ |
| Consultation with Optician, Opthometrist | √ | √ | √ | √ |
| Consultation with Opthalmologist | √ | √ | √ | √ |
| Refraction | √ | √ | √ | √ |
| Pupillary exam | √ | √ | √ | √ |
| Corneal topography | √ | √ | √ | √ |
| Color vision tests | √ | √ | √ | √ |
| Retinoscopy | √ | √ | √ | √ |
| Prescribed Medications | √ | √ | √ | √ |
| Frames, Lens (including Contacts) | up to N20,000 per annum | up to N25,000 per annum | up to N35,000 per annum | up to N40,000 per annum |
| Eye Surgery such as Pterygium excision & Cataract extraction as well as post-surgery prescribed medications | up to N100,000 per annum | up to N200,000 per annum | up to N300,000 per annum | up to N500,000 per annum |
| DENTAL CARE BENEFIT | ||||
| GP Consultation | up to N35,000 annually | up to N50,000 annually | up to N130,000 annually | up to N180,000 annually |
| Pain therapy | ||||
| Consultation with a dentist | ||||
| Dental investigations: | ||||
| scaling and polishing | ||||
| simple & surgical extraction, | ||||
| Composite Filling | ||||
| Amalgam filling | ||||
| Root canal treatment | ||||
| Gingival treatment | ||||
| Crowning only | ||||
| x-rays | ||||
| Periapicals | ||||
| Occlusal X-Ray | ||||
| Panoramic View(OPG) | ||||
| ADDITIONAL BENEFITS | ||||
| Physiotherapy Sessions | up to 5 sessions per annum | up to 8 sessions per annum | up to 15 sessions per annum | up to 25 sessions per annum |
| Physiotherapy Consultation | up to N20,000 per annum | up to N30,000 per annum | up to N50,000 per annum | up to N80,000 per annum |
| prescribed appliances like neck collars, corsets, crutches, elastic socks etc | ||||
| Prescribed Medications | ||||
| Prosthesis and orthotics (locally made only) | ||||
| Behavioural Care Benefits | ||||
| Mental health consultation and assessment | up to N40,000 per annum | up to N70,000 per annum | up to N100,000 per annum | up to N150,000 per annum |
| Treatment of acute phase and prescribed medications | ||||
| Ear, Nose & Throat Care Benefits | ||||
| Treatment of ENT Diseases & removal of foreign body | √ | √ | √ | √ |
| ENT Surgeries | up to surgical limits | up to surgical limits | up to surgical limits | up to surgical limits |
| Critical Illness Care | N700,000 annually | N1,500,000 annually | N3,000,000 annually | |
| •Cancer care limited to treatment: diagnosis, radiotherapy & chemotherapy | x | √ | √ | √ |
| •Renal Failure | x | √ | √ | √ |
| •Heart Attack | x | √ | √ | √ |
| •Stroke | x | √ | √ | √ |
| Value Added Benefits | ||||
| Travel immunization: Yellow fever | x | x | x | √ |
| Travel Insurance (reimbursement basis) | x | 7days | 14days | 14days |
| Adult Immunization: | ||||
| •Yellow Fever | x | x | x | √ |
| • Meningitis | x | x | x | √ |
| •Hep. B. | x | x | x | √ |
| Second Opinion (local) | √ | √ | √ | √ |
| Second Opinion (Foreign) | x | √ | √ | √ |
| Personalised Health Equipment (subject to diagnosis) | x | x | x | up to N30,000 bienially |
| Nurses home visit (for cases of immobilization only) | x | up to 2 visits per annum | up to 2 visits per annum | up to 4 visits per annum |
| Reimbursement for overseas treatment (subject to authorisation up to 50% of benefit limit) | x | √ | √ | √ |
| Death benefit | N100,000 | N100,000 | N150,000 | N200,000 |
| Inpatient Limit Per Annum Per Individual (N) | 1,100,000 | 1,500,000 | 2,240,000 | 3,200,000 |
| Outpatient Limit Per Annum Per Individual (N) | 825,000 | 1,000,000 | 1,260,000 | 1,800,000 |
| Annual Premium Per Person Per Year | N550,000 | N700,000 | N1,000,000 | N1,500,000 |