Covered Services |
Smart Health |
Classic Health |
Super Health |
EMERGENCY SERVICES |
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Local Evacuation To Hospital |
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Stabilization |
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Emergency Drug And Investigations |
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OUTPATIENT SERVICES |
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General consultation |
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Special consultation |
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Routine Laboratory tests |
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Prescribed Drugs |
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Physiotherapy |
Max of 4 / Yr | &Max of 6 / Yr | Max of 10 / Yr |
Management of Chronic diseases except excluded conditions |
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INPATIENT SERVICES |
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General ward |
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Semi private ward |
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Private ward |
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General / specialist doctor review |
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Nursing care |
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Drugs and infusions |
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Routine Laboratory investigations |
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Hospital feeding (where available) |
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Management of End Stage Kidney Disease |
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Max of 2 Dialysis |
Max of 2 Dialysis |
Max admission days per case |
21 days |
21 days |
21 days |
Intensive care unit (ICU) |
5 days |
7 days |
10 days |
Overall Financial Limit |
Nil |
Nil |
Nil |
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MATERNITY SERVICES |
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Antenatal care |
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Normal deliveryl |
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Induction of labour and assisted delivery |
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C/S (emergency & medically indicated electives) |
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Family Planning Services |
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CHILD HEALTH SERVICES |
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Routine NPI Immunization: |
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Well Baby Clinic |
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Additional Childhood Immunization - under 5 years |
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Phototherapy and Neonatal care |
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Incubator care and ICU |
15 days |
20 days |
28 days |
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SURGICAL SERVICES |
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Minor procedures |
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Intermediate |
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Major procedures |
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RADIOLOGICAL SERVICES |
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X-Rays & Ultrasound Scans |
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Electocardiogram and Electroencephalogram |
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CT Scan & MRI (Max of 2 / Yr) |
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Echocardiogram and Doppler Scan |
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Radio-opaque Studies |
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CT Scan / MRI |
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CT-Scan only (Max of 1 / Yr) |
Either of CT / MRI (Max of 2 / Yr) |
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EYE CARE |
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Routine examination |
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Treatment of infection |
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Annual Optical glasses limit |
N5,000 |
N10,000 |
N15,000 |
Simple Eye Surgeries |
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DENTAL CARE |
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Routine examination |
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Treatment of infection |
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Simple extraction |
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Amalgam dental fillings |
Max of 2 / yr |
Max of 3 / yr |
Max of 5 / yr |
Composite dental fillings |
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Max of 2 / yr |
Max of 4 / yr |
Scaling & polishing |
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Max of 1 / yr |
Max of 1 /yr |
Surgical extraction |
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Root canal treatment |
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MEDICAL CHECK-UP |
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Routine physicals (no investigations) |
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Annual medical examinations (with investigations) |
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MENTAL HEALTH SERVICES |
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Counseling |
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Outpatient consultation & Treatment |
Up to 8 weeks |
Up to 8 weeks |
Up to 8 weeks |
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FERTILITY SERVICES |
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Basic investigations (e.g. Semen analysis, HSG) |
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Simple surgical intervention |
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Non-hormonal drug treatment |
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CANCER CARE |
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Cancer screening |
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Mammogram |
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PSA test |
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Surgical treatment |
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Covered Services |
Smart Health |
Classic Health |
Super Health |
HIV/AIDS MANAGEMENT |
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Voluntary counseling & testing |
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Treatment of opportunistic infections |
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Anti-retroviral treatment facilitation at designated centers in Nigeria |
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| PREMIUM PER ANNUM (N) | |||
| Individual (<60yrs) | |||
| Family (insured + spouse + 4 children under 21yrs) | |||