COVERED SERVICES |
SAPPHIRE |
EMERALD |
RUBY |
DIAMOND |
Outpatient Services |
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General Consultation |
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Specialist Consultation/Care |
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Routine |
Routine |
Tertiary |
Routine Lab tests |
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Prescribed Drugs |
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Physiotherapy (maximum sessions per annum) |
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Management of Chronic Conditions |
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Inpatient Services |
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General ward (15 Days) |
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Semi Private Ward (30 Days) |
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Private Ward (45 Days) |
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Routine Lab Investigations |
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Drugs and Infusions |
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Maternity Services (Family Plan only) |
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Antenatal Care (from 12 weeks) |
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Normal Delivery |
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Induction of Labour and Assisted Delivery,forceps delivery |
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S (Emergency & Medically Indicated Electives) |
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Post Natal Care up to 6 weeks |
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Family Planning Services |
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Counseling only |
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IUCDs, Injectables, Oral contraception & Norplant |
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Child Health Services |
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Routine Immunization (Childhood polio, BCG, DPT, HBV) |
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Additional Childhood Immunization – Under 5 Years (Hib & Rotavirum) |
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Non-NPI Immunization |
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MMR, Hepatitis B, Hib, Varicella, Rotavirum, Pneumococcal |
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Emergency Services |
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Local Evacuation to Hospital |
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Accident & Emergency. (Cover the immediate life saving /resuscitative). Secondary care in this care is subject to Plan covered |
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Surgical Services |
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Minor Surgeries Procedures |
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Intermediate |
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Major Surgeries Procedures |
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Radiological Services |
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Plain X-Ray (Chest, Limb. & Joint) |
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Ultrasound Scans |
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Mammogram |
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CT Scan |
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MRI |
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Eye Care |
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Consultation & Refraction, visual acquity, Routine Examination |
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Treatment of Simple Infection |
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Intraocular pressure test |
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Eye Care & Surgeries ( pterygium excision, cataract extraction & Claucoma Treatment) |
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Provision of lenses :plain, bifocal& varifocal lenses subject to limit of coverge |
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Dental Services |
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Consultation & Treatment of simple infection |
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Dental X-Ray, Prescribed Drugs, pain therapy & simple extraction |
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Surgical Extraction & Amalgam filling |
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Gingival debridement |
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Scaling & Polishing (Once per annum) |
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Root Canal (once per annum) |
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HIV/AIDS Support Services |
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Education & VCT |
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ARV treatment referral to diagnostic centres in Nigeria |
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Annual Basic medical examination |
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Additional Services |
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Cancer care -screening, investigation & Radiotherapy |
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Fertility Treatment: basic investigation, non-hormonal drug treatment, therapeutic surgeries e.g. uterine adhesiolysis |
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INDIVIDUAL PREMIUM |
Call in |
Call in |
Call in |
Call in |
FAMILY PREMIUM |
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GENERAL EXCLUSIONS
Dialysis
Specific Treatment for HIV/AIDS
Cosmetic / Plastic surgeries
Prosthesis and other fitting
Treatment of infertility
Denture and special dental procedures
Cytotoxic treatment
Pre-existing medical conditions
Chronic Conditions end stage diseases including renal failure, kidney failure, liver failure
Certain injuries,- old sport injuries, self inflicted injuries
Overseas treatment and transplant surgery
Investigations and treatment for problems relating to fertility e.g: hormone profiles, hydrotubation, laparoscopy
Epidemics.