ZenCare vs PrimeCare

ZenCare costs ₦42,500 less per month.

Bastion HMO

ZenCare

₦15,000

per month

Lower price

Bastion HMO

PrimeCare

₦57,500

per month

Plan details

ZenCarePrimeCare

Plan type

Classic Plans

Premium Plans

Waiting period

5 days

Inpatient limit

₦10,000,000

₦12,000,000

Outpatient limit

₦1,000,000

₦10,000,000

About

Classic Health plan with standard benefits. Provided by Bastion HMO.

Comprehensive health coverege for Individuals. Provided by Bastion HMO.

Benefits

Show differences only

Showing 323 of 323 benefits

Seeking second option-Mortuary Services Covered Up to NGN50,000 Limit

NGN50,000

Not covered

Care-Death Cover Covered Up to NGN50,000 Limit

NGN50,000

Not covered

Hepatitis B-Mortuary Services Covered Up to NGN40,000 Limit

NGN40,000

Not covered

MortuaryServices

NGN50,000

NGN100,000

DeathCover

NGN50,000

NGN750,000

Cancer care-Consultation, Admission, Counselling, Hospice Care , Surgical - Chemotherapy - Radiotherapy; Covered Up to NGN300,000

NGN300,000

Not covered

Consultation

Covered

Admission

Covered

Counseling

Covered

Hospice care

Covered

Surgical treatment

Covered

Chemotherapy

Covered

Radiotherapy

Covered

Limit

NGN300,000

Covered (no specific limit mentioned)

Primary dental care covered up to NGN20,000

NGN20,000

Covered

Ocular tests-Primary Dental Care Covered Up to Overall Dental Limit of NGN20,000

NGN20,000

Not covered

Primary Dental Care-Secondary Dental Care Covered Up to Overall Dental Limit of NGN5,000.

NGN5,000

Primary Dental Care-Surgeries Covered up to surgery limit of NGN70,000

NGN70,000

Primary Dental Care-Obstetrics Care Covered up to Maternity Limit of NGN50,000

NGN50,000

Primary Dental Care-Neonatal Care Covered up to Maternity Limit of NGN50,000

NGN50,000

Primary Dental Care-Pharmacy Limit up to NGN150,000

NGN150,000

Hospital access tier D-Primary Dental Care Covered Up to Overall Dental Limit of NGN5,000.

NGN5,000

Laboratory tests-Personal health equipment - BP machine, Glucometer, Trackers

Covered

Not covered

X-Rays and Ultrasounds Covered (Not limited to the list)

Covered

Diagnostics and imaging-Advanced Investigations, limited to CT Scan, MRI Scan, Echocardiography, Electrocardiography CT scan only and emergency cases for MRI

Covered

Not covered

Admissions and Accomodation

Covered

Serology-Supply of prescribed intravenous/intramuscular, oral and topical drugs

Covered

Supply of all medical and surgical consumables

Covered

Serology-Blood grouping, cross matching, and transfusion

Covered

Accommodation for in-patient care

Covered

Treatment of acute and chronic ENT diseases

Covered

ENT Surgeries - (part of the surgical limit)

Covered

Pharmacological treatment of acute and chronic ENT infections

Covered

Accident and emergency-Resuscitative care for accident and emergency cases, including basic radiological and laboratory investigations needed to stabilize patient before being moved to the ICU if need be.

Covered

Movement of patients from Hospital to Hospital

Covered

Movement of patients from Home/Accident Scene to Hospital

Covered

Hospital Ward Care-Resuscitative care for accident and emergency cases, including basic radiological and laboratory investigations needed to stabilize patient before being moved to the ICU if need be. Up to NGN50,000/ year

NGN50,000

AccidentAndEmergency

NGN50,000

Movement of patients from hospital to hospital

Covered

Movement of patients from home or accident scene to hospital

Covered

Lenses covered up to NGN15,000

NGN15,000

Covered

Frames covered up to NGN15,000

NGN15,000

Covered

Routine ocular examination

Covered

Ocular tests-Lenses Covered NGN15,000

NGN15,000

Not covered

Ocular tests-Frames Covered NGN15,000

NGN15,000

Not covered

Routine dental examination

Covered

Copper T intrauterine device

Covered

Lippes Loop intrauterine device

Covered

Norplant

NGN200,000

NGN1,500,000

ManualVacuumAspiration

Emergency or elective Caesarean section

Not covered

Fertility services-Investigation and treatment at limits per plan NGN15,000

NGN15,000

Not covered

Copper T Intrauterine Device

Covered

Lippes loop Intrauterine Device

Covered

Norplant-Surgeries Covered Up to Surgery Limit of NGN200,000

NGN200,000

Not covered

Emergency or Elective Caesarean Section

Covered

Hospital Ward Care-Family Planning Covered Up to NGN7,000

NGN7,000

InvestigationAndTreatment

NGN15,000

NGN750,000

All Basic features

Covered

Not covered

Telehealth services

Covered

Not covered

Dental, vision, and hearing coverage

Covered

Not covered

Prescription drug coverage (Part D)

Covered

Not covered

Treatment of chronic conditions

Covered

Pharmacological treatment of acute and chronic ocular infections

Covered

Access to prescribed drugs

Covered

Pain therapy-Additional Immunization (6Yrs and above) Covered Up to NGN7,000

NGN6,000

Not covered

Diagnosis confirmation from secondary and tertiary care centres

Covered

Line of treatment confirmation from secondary and tertiary care centres

Covered

Care-Enrollee is covered for a payment up to the stated limit in the event of Death (Natural, Accidental). The actual amount paid is based on the event while eligibility is subject to compliance with the rules of the plan.

Covered

Not covered

Annual Checkup - available after 7 months

Covered

Hepatitis B-Surgeries Covered up to surgery limit of NGN100,000

NGN100,000

Not covered

Hepatitis B-Minor surgeries Covered up to surgery limit of NGN100,000

NGN100,000

Not covered

Hepatitis B-Intermediate surgeries Covered up to surgery limit of NGN100,000

NGN100,000

Not covered

Hepatitis B-Major surgeries Covered up to surgery limit of NGN100,000

NGN100,000

Not covered

Benefits Available after 11 MONTHS

Covered

Not covered

Hepatitis B-Renal Care Covered Up to NGN40,000 Limit

NGN40,000

Not covered

Seeking second option Covered within HMO network

Covered

Benefits Available after 4 MONTHS

Covered

Mental illnesses-Eye Care Covered up to NGN5,000

NGN5,000

Preventive dental care and counselling

Covered

Dental pain therapy at primary healthcare centres

Covered

Pharmacological treatment of acute and chronic dental infections

Covered

Hospital access tier D-Pharmacy Limit up to NGN100,000

NGN100,000

Benefits available after 11 months

Covered

Care for comatose and unconscious enrollees, pain management, stabilization, chronic disease treatment, ventilator care, diabetes management, long-term skilled and semi-skilled hospital care

Covered

Surgeries (minor, intermediate, major) covered up to NGN100,000

Covered

Mortuary services covered up to NGN40,000

Covered

Obstetrics care covered up to maternity limit of NGN100,000

Covered

Neonatal care covered up to maternity limit of NGN100,000

Covered

Renal care covered up to NGN40,000

Covered

Skilled medical and paramedical services

Covered

Feeding for enrollees on admission - General Ward (up to 5 days/year)

Covered

Primary dental care covered up to NGN5,000

Covered

Preventive dental care and counseling

Covered

Not covered

Dental pain therapy at primary healthcare centers

Covered

Obstetrics care covered up to maternity limit of NGN30,000

Covered

Inpatient limit up to NGN100,000

Covered

Outpatient limit up to NGN100,000

Covered

Pharmacy limit up to NGN100,000

Covered

GeneralWard

Services': ['Admissions and accommodation', 'Feeding for enrollees on admission (up to 10 days/year for dialysis, 5 days/year for tier D)', 'Skilled medical and paramedical services', 'Supply of prescribed intravenous, intramuscular, oral, and topical drugs', 'Supply of all medical and surgical consumables', 'Blood grouping, cross-matching, and transfusion', 'Accommodation for inpatient care / admissions', 'Accommodation for parents of admitted infants', 'Inpatient hospitalization benefit abroad']}

Services': ['Feeding for enrollees on admission (up to 10 days/year for dialysis, 5 days/year for tier D)', 'Skilled medical and paramedical services', 'Accommodation for parents of admitted infants', 'Inpatient hospitalization benefit abroad']}

NPI Immunisation (0-5 Years)

Covered

NPI

Covered for ages 0-5 years

Additional

NGN6,000

Not covered

Unlimited inpatient limit

Covered

Not covered

Unlimited Inpatient Limit

Covered

Feeding for enrolees on admission General Ward

Covered

Not covered

Hospital Ward Care General Ward

Covered

Not covered

Skilled medical and paramedical services General Ward

Covered

Not covered

Accommodation for parents whose infants are on admission

Covered

Not covered

Inpatient /Hospitalization Benefit Abroad

Covered

Not covered

Dialysis-Inpatient Limit up to NGN400,000

NGN400,000

Feeding for enrolees on admission General Ward (Up to 10 Days/year)

Covered

Primary Dental Care-Inpatient Limit up to NGN150,000

NGN150,000

Feeding for enrolees on admission - General Ward (Up to 5 Days/year)

Covered

Hospital access tier D-Inpatient Limit up to NGN100,000

NGN100,000

Hospital access tier D-Inpatient Limit up to NGN50,000

NGN50,000

Care for comatose and unconscious enrollees

Covered

Pain management

Covered

Stabilization and maintenance treatment for chronic diseases

Covered

Ventilator care

Covered

Management of diabetes and diabetic emergencies

Covered

Long-term skilled and semi-skilled hospital care (up to 2 days)

Covered

Not covered

PersonalHealthEquipment

Blood pressure machine, glucometer, trackers

Blood pressure machine, glucometer, trackers (covered only on medical diagnosis)

BasicImaging

X-rays and ultrasounds (not limited to list)

AdvancedImaging

CT scan, MRI scan, echocardiography, electrocardiography (CT scan always covered, MRI for emergencies)

CT scan, MRI scan, echocardiography, electrocardiography (not limited to list; CT scan always covered, MRI for emergencies)

Health talks, education forums, or wellness fairs (up to 4 weeks)

Covered

Not covered

Fitness and wellness programs

Covered

Not covered

Subsidized Fitness/ nutritional club membership (for non-network gym)

Covered

Not covered

Lifestyle Management-On-site Health Checks, Health Talks/ Education forum or wellness fairs

Covered

FitnessClub

Subsidized membership for non-network gyms

Subsidized membership for non-network gyms (10%)

HealthChecks

On-site health checks, health talks, education forums, or wellness fairs

Inpatient

Unlimited

Outpatient

Unlimited

Hepatitis B-Obstetrics Care Covered up to Maternity Limit of NGN100,000

NGN100,000

Not covered

Hepatitis B-Neonatal Care Covered up to Maternity Limit of NGN100,000

NGN100,000

Not covered

Hospital access tier D-Obstetrics Care Covered up to Maternity Limit of NGN30,000

NGN30,000

Employee Assistance Program / Stress Management 4 weeks

Covered

Not covered

Covid Home Care Kit - up to limit on the plan 4 weeks

Covered

Not covered

Health Talks/ Education forum or wellness fairs 4 weeks

Covered

Not covered

Mental illnesses Covered for Outpatient cases Only (4 weeks)

Covered

Not covered

EmployeeAssistanceProgram

4 weeks

8 weeks

CovidHomeCareKit

4 weeks

Covered up to plan limit

HealthEducation

4 weeks

Health talks, education forums, or wellness fairs

PsychiatryCare

4 weeks

Not covered

Ear Piercing-Special Baby Care Unit (Intensive Care Unit - including Life Support, Phototherapy & Incubator Care) 2 Days (NGN100,000)

NGN200,000

Not covered

Unlimited outpatient limit

Covered

Not covered

Specialist consultations (limited based on plan type, up to 4 weeks)

Covered

Not covered

Unlimited Outpatient Limit

Covered

24 Hours free chat access to healthcare professionals

Covered

Free chats with Doctors and Nurses when in need of care during any medical emergency

Covered

Free chats with Doctors and Nurses when in need of any routine medical information

Covered

Chronic Disease Medication - drug delivery and pick up at partner pharmacies

Covered

Specialist Consultations on Outpatient Cases Only; limited based on type of plans 4 weeks

Covered

Not covered

Dialysis-Outpatient Limit up to NGN250,000

NGN250,000

Specialist Consultations Once / Month

Covered

Primary Dental Care-Outpatient Limit up to NGN150,000

NGN150,000

Hospital access tier D-Outpatient Limit up to NGN100,000

NGN100,000

Hospital access tier D-Outpatient Limit up to NGN50,000

NGN50,000

Physiotherapy Care Covered (5 sessions)

5 sessions

Not covered

Routine fitness examination

Covered

Preventive Counselling on referral

Covered

Coverage

5 sessions

17 sessions

RoutineFitnessExamination

Covered

PreventiveCounseling

On referral

General Physical Examination

Covered

Blood Pressure Check (Hypertension Screening)

Covered

Blood Sugar Check (Diabetes Screening)

Covered

Urinalysis-Mammogram, cervical smear for women over 35 years every 2 years (every other year)

Covered

Not covered

BMI check (general physical examination)

Covered

Blood pressure check (hypertension screening)

Covered

Blood sugar check (diabetes screening)

Covered

Women

Mammogram and cervical smear (over 35 years, every 2 years)

Dialysis 3 Sessions

Covered

Not covered

Benefits Available after 24 hours

Covered

Dialysis-Pharmacy Limit up to NGN50,000

NGN50,000

Treatment of basic medical outpatient and in-patient cases

Covered

Dialysis-X-Rays and Ultrasounds: Limited to Chest X-Rays ,Plain Abdominal X-Rays,,Limb X-rays,Neck X-rays,Skull X-rays,Lumbosacral X-Rays,X-rays of Body Joints,Ultrasound Scan

Covered

Diagnosis confirmation from secondary and tertiary care centers

Covered

Line of treatment confirmation from secondary and tertiary care centers

Covered

Covered within HMO network (mental illnesses)

Covered

Telemedicine

24-hour free chat access to healthcare professionals

General': '24-hour free chat access to healthcare professionals

ENT surgeries (part of surgical limit)

Covered

General

Chronic disease medication with drug delivery and pickup at partner pharmacies

Covered (natural or accidental, subject to plan rules)

Frequency

Once per month (for dialysis patients)

Intensive care unit-For comatose & unconscious enrolees, Pain management, Stabilisation and maintenance treatment for chronic diseases, Ventilator care, Management of diabetes and diabetic emergencies, Long term skilled and semi-skilled hospital care 2 Days

Covered

Not covered

Hepatitis B-For comatose & unconscious enrolees, Pain management, Stabilisation and maintenance treatment for chronic diseases, Ventilator care, Management of diabetes and diabetic emergencies, Long term skilled and semi-skilled hospital care

Covered

Not covered

Seeking second option-Mortuary Services Covered Up to NGN100,000 Limit

Not covered

NGN100,000

CoverEnrollee is covered for a payment up to the stated limit in the event of Death (Natural, Accidental). The actual amount paid is based on the event while eligibility is subject to compliance with the rules of the plan.

Not covered

Covered

CoverPersonal health equipment - BP machine, Glucometer, Trackers

Not covered

Covered

CoverInvestigation and treatment at limits per plan NGN45,000

Not covered

NGN45,000

CoverFor comatose & unconscious enrolees, Pain management, Stabilisation and maintenance treatment for chronic diseases, Ventilator care, Management of diabetes and diabetic emergencies, Long term skilled and semi-skilled hospital care

Not covered

Covered

-Mortuary Services Covered Up to NGN75,000 Limit

Not covered

NGN750,000

-Death Cover Covered Up to NGN75,000 Limit

Not covered

NGN750,000

-Mortuary Services Covered Up to NGN50,000 Limit

Not covered

NGN50,000

-Death Cover Covered Up to NGN50,000 Limit

Not covered

NGN50,000

-Mortuary Services Covered Up to NGN40,000 Limit

Not covered

NGN40,000

Cancer care-Consultation, Admission, Counselling, Hospice Care , Surgical - Chemotherapy - Radiotherapy; Covered

Not covered

Covered

-Consultation, Admission, Counselling, Hospice Care , Surgical - Chemotherapy - Radiotherapy; Covered Up to NGN750,000

Not covered

NGN750,000

-Consultation, Admission, Counselling, Hospice Care , Surgical - Chemotherapy - Radiotherapy; Covered Up to NGN300,000

Not covered

NGN300,000

Personal health equipment (BP machine, glucometer, trackers)

Not covered

Covered

Investigation and treatment at limits per plan (NGN45,000)

Not covered

Covered

Ocular tests-Primary Dental Care Covered up to NGN80,000

Not covered

NGN800,000

Ocular tests-Secondary Dental Care Covered up to NGN80,000

Not covered

NGN800,000

-Primary Dental Care Covered Up to Overall Dental Limit of NGN50,000

Not covered

NGN50,000

-Secondary Dental Care Covered Up to Overall Dental Limit of NGN50,000

Not covered

NGN50,000

-Primary Dental Care Covered Up to Overall Dental Limit of NGN20,000

Not covered

NGN20,000

Laboratory tests-Personal health equipment - BP machine, Glucometer, Trackers Covered only on medical diagnosis

Not covered

Covered

Diagnostics and imaging-Advanced Investigations, limited to CT Scan, MRI Scan, Echocardiography, Electrocardiography Covered (Not limited to the list)

Not covered

Covered

-Advanced Investigations, limited to CT Scan, MRI Scan, Echocardiography, Electrocardiography

Not covered

Covered

-Advanced Investigations, limited to CT Scan, MRI Scan, Echocardiography, Electrocardiography CT scan only and emergency cases for MRI

Not covered

Covered

Ocular tests-Lenses Covered up to NGN30,000

Not covered

NGN30,000

Ocular tests-Frames Covered up to NGN30,000

Not covered

NGN30,000

-Lenses Covered NGN20,000

Not covered

NGN20,000

-Frames Covered NGN20,000

Not covered

NGN20,000

-Lenses Covered NGN15,000

Not covered

NGN15,000

-Frames Covered NGN15,000

Not covered

NGN15,000

Emergency or elective Caesarean section

Not covered

Covered

Reimbursement of delivery abroad: Normal - $150, Caesarean - $250

Not covered

Covered

Fertility services-Investigation and treatment at limits per plan NGN75,000

Not covered

NGN750,000

Norplant-Surgeries Covered Up to Surgery Limit of NGN1,500,000

Not covered

NGN1,500,000

Manual Vacuum Aspiration-Reimbursement of Delivery Abroad Normal -$150, CS-$250

Not covered

Covered

Everything in ZenCare Plus

Not covered

Covered

Maternity care upto prescribed maternity limits

Not covered

Covered

Free chats with doctors and nurses for routine medical information

Not covered

Covered

CT scan

Not covered

Covered

MRI scan

Not covered

Covered

Echocardiography

Not covered

Covered

Electrocardiography

Not covered

Covered

Blood grouping, cross-matching, and transfusion

Not covered

Covered

Accommodation for inpatient care / admissions

Not covered

Covered

-Additional Immunization (6Yrs and above) Covered Up to NGN7,000

Not covered

NGN6,000

-Surgeries Covered Up to Surgery Limit of NGN500,000

Not covered

NGN500,000

-Investigation and treatment at limits per plan NGN15,000

Not covered

NGN15,000

-Surgeries Covered Up to Surgery Limit of NGN200,000

Not covered

NGN200,000

-Mental illnesses Covered for Outpatient cases Only (4 weeks)

Not covered

Covered

-Annual Checkup - available after 7 months

Not covered

Covered

-Surgeries Covered up to surgery limit of NGN100,000

Not covered

NGN100,000

-Minor surgeries Covered up to surgery limit of NGN100,000

Not covered

NGN100,000

-Intermediate surgeries Covered up to surgery limit of NGN100,000

Not covered

NGN100,000

-Major surgeries Covered up to surgery limit of NGN100,000

Not covered

NGN100,000

-Benefits Available after 11 MONTHS

Not covered

Covered

-Renal Care Covered Up to NGN40,000 Limit

Not covered

NGN40,000

PrivateWard

Not covered

Services': ['Admissions and accommodation', 'Feeding for enrollees on admission', 'Skilled medical and paramedical services', 'Supply of prescribed intravenous, intramuscular, oral, and topical drugs', 'Supply of all medical and surgical consumables', 'Blood grouping, cross-matching, and transfusion', 'Accommodation for inpatient care / admissions', 'Accommodation for parents of admitted infants (up to 3 days)', 'Inpatient hospitalization benefit abroad (NGN250,000)']}

SemiPrivateWard

Not covered

Services': ['Feeding for enrollees on admission', 'Hospital ward care', 'Skilled medical and paramedical services', 'Accommodation for parents of admitted infants (up to 2 days)']}

Vitamin A Supplementation

Not covered

Covered

Pneumococcal-Additional Immunization (6Yrs and above) Covered Up to NGN10,000

Not covered

NGN6,000

VitaminA

Not covered

Supplementation

Pneumococcal

Not covered

NGN6,000

Unlimited Inpatient Limit

Not covered

Covered

Accommodation for parents of admitted infants (up to 5 days)

Not covered

5 days

Inpatient hospitalization benefit abroad

Not covered

Covered

Feeding for enrolees on admission Private ward

Not covered

Covered

Hospital Ward Care Private ward

Not covered

Covered

Skilled medical and paramedical services Private ward

Not covered

Covered

Accommodation for parents whose infants are on admission 3 days

Not covered

3 days

Serology-Inpatient /Hospitalization Benefit Abroad NGN250,000

Not covered

NGN250,000

- Feeding for enrolees on admission Semi-Private Ward

Not covered

Covered

- Hospital Ward Care Semi-Private Ward

Not covered

Covered

- Skilled medical and paramedical services Semi-Private Ward

Not covered

Covered

- Accommodation for parents whose infants are on admission 2 Days

Not covered

Covered

-Feeding for enrolees on admission General Ward

Not covered

Covered

-Hospital Ward Care General Ward

Not covered

Covered

-Skilled medical and paramedical services General Ward

Not covered

Covered

-Accommodation for parents whose infants are on admission

Not covered

Covered

-Inpatient /Hospitalization Benefit Abroad

Not covered

Covered

Long-term skilled and semi-skilled hospital care (up to 5 days)

Not covered

Covered

Subsidized Fitness/ nutritional club membership (for non-network gym) 10%

Not covered

Covered

Network Gym Access Covered (2 sessions per week)

Not covered

2 sessions

-Health Talks/ Education forum or wellness fairs 4 weeks

Not covered

Covered

-Subsidized Fitness/ nutritional club membership (for non-network gym)

Not covered

Covered

NetworkGym

Not covered

2 sessions

-Obstetrics Care Covered up to Maternity Limit of NGN100,000

Not covered

NGN100,000

-Neonatal Care Covered up to Maternity Limit of NGN100,000

Not covered

NGN100,000

Employee Assistance Program / Stress Management 8 weeks

Not covered

Covered

Covid Home Care Kit - up to limit on the plan

Not covered

Covered

Health Talks/ Education forum or wellness fairs

Not covered

Covered

Mental illnesses Covered for Outpatient cases Only (6 weeks)

Not covered

Covered

HIV care and treatment Covered (at designated approved centres)

Not covered

Covered

Specialist Consultation Covered (at designated approved centres)

Not covered

Covered

Specialist Drug therapy Covered (at designated approved centres)

Not covered

Covered

Psychotherapy Covered (at designated approved centres)

Not covered

Covered

- Employee Assistance Program / Stress Management 6 weeks

Not covered

Covered

-Employee Assistance Program / Stress Management 4 weeks

Not covered

Covered

-Covid Home Care Kit - up to limit on the plan 4 weeks

Not covered

Covered

Mental illnesses covered for outpatient cases only (up to 6 weeks)

Not covered

Covered

HIV care and treatment (at designated approved centers)

Not covered

Covered

Specialist consultation (at designated approved centers)

Not covered

Covered

Specialist drug therapy (at designated approved centers)

Not covered

Covered

Psychotherapy (at designated approved centers)

Not covered

Covered

Ear Piercing-Special Baby Care Unit (Intensive Care Unit - including Life Support, Phototherapy & Incubator Care) 18 days (NGN500,000)

Not covered

NGN180,000

-Special Baby Care Unit (Intensive Care Unit - including Life Support, Phototherapy & Incubator Care) 10 Days (NGN300,000)

Not covered

NGN10,000

-Special Baby Care Unit (Intensive Care Unit - including Life Support, Phototherapy & Incubator Care) 2 Days (NGN100,000)

Not covered

NGN200,000

Specialist consultations (limited based on plan type, up to 12 weeks)

Not covered

Covered

Specialist Consultations on Outpatient Cases Only; limited based on type of plans 8 weeks

Not covered

Covered

- Specialist Consultations on Outpatient Cases Only; limited based on type of plans 6 weeks

Not covered

Covered

-Specialist Consultations on Outpatient Cases Only; limited based on type of plans 4 weeks

Not covered

Covered

Physiotherapy Care Covered upto 10 sessions

Not covered

10 sessions

Physiotherapy Care Covered (17 sessions)

Not covered

17 sessions

- Physiotherapy Care Covered (12 sessions)

Not covered

12 sessions

-Physiotherapy Care Covered (5 sessions)

Not covered

5 sessions

Annual Prostate Specific Antigen screening for men over 40 years

Not covered

Covered

E/U/Cr-Mammogram, cervical smear for women over 35 years every 2 years (every other year)

Not covered

Covered

Men

Not covered

Annual prostate-specific antigen screening (over 40 years)

Investigation and treatment at limits per plan (NGN15,000)

Not covered

Covered

Care for comatose and unconscious enrollees, pain management, stabilization, chronic disease treatment, ventilator care, diabetes management, long-term skilled and semi-skilled hospital care (up to 2 days)

Not covered

Covered

Advanced investigations (CT scan, MRI scan, echocardiography, electrocardiography; CT scan always covered, MRI for emergencies)

Not covered

Covered

Specialist consultations on outpatient cases only (limited based on plan type, up to 4 weeks)

Not covered

Covered

Employee Assistance Program / Stress Management (4 weeks)

Not covered

Covered

Covid Home Care Kit (up to plan limit, 4 weeks)

Not covered

Covered

Health talks, education forums, or wellness fairs (4 weeks)

Not covered

Covered

Physiotherapy care covered (5 sessions)

Not covered

Covered

Subsidized fitness/nutritional club membership (for non-network gym)

Not covered

Covered

Surgeries covered up to NGN200,000

Not covered

Covered

Special Baby Care Unit (2 days, NGN100,000)

Not covered

Covered

Dialysis (3 sessions)

Not covered

Covered

Cancer care (consultation, admission, counseling, hospice care, surgical, chemotherapy, radiotherapy; up to NGN300,000)

Not covered

Covered

Mental illnesses covered for outpatient cases only (4 weeks)

Not covered

Covered

Mortuary services covered up to NGN50,000

Not covered

Covered

Death cover covered up to NGN50,000

Not covered

Covered

Dialysis 12 sessions

Not covered

12 sessions

- Dialysis 6 Sessions

Not covered

Covered

-Dialysis 3 Sessions

Not covered

Covered

Not covered

Covered

-For comatose & unconscious enrolees, Pain management, Stabilisation and maintenance treatment for chronic diseases, Ventilator care, Management of diabetes and diabetic emergencies, Long term skilled and semi-skilled hospital care 2 Days

Not covered

Covered

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