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HEALTHCARE INSURANCE

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TITANIUM ULTRA
$170/year

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TITANIUM DELUXE
$340/year

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CITIZEN FRESH
(For Senior Citizens)
$340/year

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CITIZEN DELIGHT
(For Senior Citizens)
$470/year

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REGION OF COVER	Nigeria
PROVIDER TYPE	Standard Network
OUT-PATIENT BENEFIT
GP Consultations at chosen accredited primary care provider including investigations, Basic Imaging (X Ray & USS) nursing care and prescribed medications	Covered
Acute care benefits including out-of-network care	Covered
Minor Surgeries	Covered
Annual physical in your doctor room	Covered
SPECIALIST CONSULTATION
Consultation with common specialist (Gynecologists, Obstetrician, General Surgeon, Pediatrician, ENT Surgeon, Family Physician, Cardiologist)	Covered up to 8 visits a year
Consultation with Rare Specialists- Neurosurgeon, Endocrinologist, Rheumatologist, Nephrologist etc.
CHRONIC DISEASE MANAGEMENT
Prescribed Medications (after 12mths on the scheme)	Up to N70,000 per Year
PREVENTIVE & HEALTH PROMOTION BENEFIT
Routine medical Screening	Covered
Comprehensive Annual Medical screening at designated facilities:	Not Covered
UNDER FIVE IMMUNIZATION BENEFIT
NPI-approved Immunization limited to BCG, OPV, HEPATITIS B, DPT, HEAMOPHILLUS INFLUENZA B, MEASLES, YELLOW FEVER	Covered
Non-NPI Immunization limited to ROTAVIRUS, PNEUMOCOCCAL, CHICKEN POX, TYPHOID FEVER, MENINGITIS	Not Covered
MAJOR DISEASE CONDITION BENEFITS
Surgical Procedures (Intermediate & Major)	Up to N150,000 Limit
Cancer care limited to diagnosis, radiotherapy & chemotherapy	Not Covered
REPRODUCTIVE HEALTH BENEFIT
Family Planning including IUCDS, INJECTABLES, ORAL CONTRACEPTIVES, NORPLANT(after 12months on the scheme)	Up to N15,000 per Year
Infertility limited to diagnosis & prescribed medications	Not Covered
MATERNITY BENEFITS: (Family Plan holders only after 12mths)
Ante-natal care at registered network provider	Up to N150,000 Limit
Normal Delivery including Post-Partum Care
Operative Delivery including Post-partum care
Medical Conditions during Pregnancy	Covered
Complications from Pregnancy & Childbirth	Covered

IN-PATIENT BENEFIT
Ward admission & Feeding	Private Ward up to 15 days per year
Laboratory investigations, Nursing care, dressing & prescribed medications	Covered
Specialist Review	Covered up to specialist consult limit stated above
PAEDIATRIC CARE (FAMILY PLAN HOLDER ONLY)
Consultation with Neonatologist & pediatrician	Covered up to 2 consults max
Neonatal care including Phototherapy & Incubator care	Up to 24hrs a year
Exchange blood transfusion	covered up to N35,000
ACCIDENT & EMERGENCY BENEFIT
Nationwide Emergency evacuation, Emergency room care including consultations, investigations, surgical intervention & prescribed medications to stabilize patient in Emergency room only	Up to N100,00 Limit
EYE CARE BENEFIT
Consultation with Optician including test, Lens & Prescribed Medications	Up to N7,500 Limit
DENTAL CARE BENEFIT
Consultation with Dentist including Dental investigations, pain therapy, simple & surgical extraction, Amalgam filling, Root canal treatment, Gingival treatment & crowning only	Up to 10,000 per Year
ADDITIONAL BENEFITS
Physiotherapy	7 Sessions
Psychiatry assessment & treatment of acute phase up to 2 weeks	Covered
HIV/AIDS Treatment at designated centers	Covered
Specialized Laboratory Studies like Hormonal Assays, D-dimers, Cardiac Enzymes etc.	Covered
Specialized Imaging Studies echocardiogram, IVU, Contrast studies, Doppler Scan etc	Covered
Advanced Radiological Studies CT scan or MRI (once annually)	Limited to CT-Scan
OVERALL LIMIT Per Individual	700,000

REGION OF COVER	Nigeria
PROVIDER TYPE	Enhanced Network
OUT-PATIENT BENEFIT
GP Consultations at chosen accredited primary care provider including investigations, Basic Imaging (X Ray & USS) nursing care and prescribed medications	Covered
Acute care benefits including out-of-network care	Covered
Minor Surgeries	Covered
Annual physical in your doctor room	Covered
SPECIALIST CONSULTATION
Consultation with common specialist (Gynecologists, Obstetrician, General Surgeon, Pediatrician, ENT Surgeon, Family Physician, Cardiologist)	Covered up to 10 visits a year
Consultation with Rare Specialists- Neurosurgeon, Endocrinologist, Rheumatologist, Nephrologist etc.	Covered up to 10 visits a year
CHRONIC DISEASE MANAGEMENT
Prescribed Medications (after 12mths on the scheme)	Up to N90,000 per Year
PREVENTIVE & HEALTH PROMOTION BENEFIT
Routine medical Screening	Covered
Comprehensive Annual Medical screening at designated facilities:	Not Covered
UNDER FIVE IMMUNIZATION BENEFIT
NPI-approved Immunization limited to BCG, OPV, HEPATITIS B, DPT, HEAMOPHILLUS INFLUENZA B, MEASLES, YELLOW FEVER	Covered
Non-NPI Immunization limited to ROTAVIRUS, PNEUMOCOCCAL, CHICKEN POX, TYPHOID FEVER, MENINGITIS	Covered
MAJOR DISEASE CONDITION BENEFITS
Surgical Procedures (Intermediate & Major)	Up to N250,000 limit
Cancer care limited to diagnosis, radiotherapy & chemotherapy	Not Covered
REPRODUCTIVE HEALTH BENEFIT
Family Planning including IUCDS, INJECTABLES, ORAL CONTRACEPTIVES, NORPLANT(after 12months on the scheme)	Up to N20,000 per Year
Infertility limited to diagnosis & prescribed medications	Up to N50,000 per Year
MATERNITY BENEFITS: (Family Plan holders only after 12mths)
Ante-natal care at registered network provider	Up to N200,000 Limit
Normal Delivery including Post-Partum Care
Operative Delivery including Post-partum care
Medical Conditions during Pregnancy	Covered
Complications from Pregnancy & Childbirth	Covered

IN-PATIENT BENEFIT
Ward admission & Feeding	Private ward up to 18 days per year
Laboratory investigations, Nursing care, dressing & prescribed medications	Covered
Specialist Review	Covered up to specialist consult limit stated above
PAEDIATRIC CARE (FAMILY PLAN HOLDER ONLY)
Consultation with Neonatologist & pediatrician	Covered up to 2 consults max
Neonatal care including Phototherapy & Incubator care	Up to 48hrs a year
Exchange blood transfusion	covered up to N50,000
ACCIDENT & EMERGENCY BENEFIT
Nationwide Emergency evacuation, Emergency room care including consultations, investigations, surgical intervention & prescribed medications to stabilize patient in Emergency room only	Up to N150,000 limit
EYE CARE BENEFIT
Consultation with Optician including test, Lens & Prescribed Medications	Up to N10,000 limit
DENTAL CARE BENEFIT
Consultation with Dentist including Dental investigations, pain therapy, simple & surgical extraction, Amalgam filling, Root canal treatment, Gingival treatment & crowning only	Up to N15,000 limit
ADDITIONAL BENEFITS
Physiotherapy	10 sessions
Psychiatry assessment & treatment of acute phase up to 2 weeks	Covered
HIV/AIDS Treatment at designated centers	Covered
Specialized Laboratory Studies like Hormonal Assays, D-dimers, Cardiac Enzymes etc.	Covered
Specialized Imaging Studies echocardiogram, IVU, Contrast studies, Doppler Scan etc	Covered
Advanced Radiological Studies CT scan or MRI (once annually)	Covered
OVERALL LIMIT Per Individual	850,000

REGION OF COVER	Nigeria
PROVIDER TYPE	Standard Network
OUT-PATIENT BENEFIT
GP Consultations at chosen accredited primary care provider including investigations, Basic Imaging (X Ray & USS) nursing care and prescribed medications	Covered
Acute care benefits including out-of-network care	Covered
Minor Surgeries	Covered
Annual physical in your doctor room	Covered
SPECIALIST CONSULTATION
Consultation with common specialist (Gynecologists, Obstetrician, General Surgeon, Pediatrician, ENT Surgeon, Family Physician, Cardiologist)	Covered up to 6 visits a year
Consultation with Rare Specialists- Neurosurgeon, Endocrinologist, Rheumatologist, Nephrologist etc.	Covered up to 6 visits a year
CHRONIC DISEASE MANAGEMENT
Prescribed Medications (after 12mths on the scheme)	Up to N40,000 per Year
PREVENTIVE & HEALTH PROMOTION BENEFIT
Routine medical Screening	Not Covered
Comprehensive Annual Medical screening at designated facilities:	Not Covered
UNDER FIVE IMMUNIZATION BENEFIT
NPI-approved Immunization limited to BCG, OPV, HEPATITIS B, DPT, HEAMOPHILLUS INFLUENZA B, MEASLES, YELLOW FEVER	N/A
Non-NPI Immunization limited to ROTAVIRUS, PNEUMOCOCCAL, CHICKEN POX, TYPHOID FEVER, MENINGITIS	N/A
MAJOR DISEASE CONDITION BENEFITS
Surgical Procedures (Intermediate & Major)	Up to N100,000 limit
Cancer care limited to diagnosis, radiotherapy & chemotherapy	Not Covered
REPRODUCTIVE HEALTH BENEFIT
Family Planning including IUCDS, INJECTABLES, ORAL CONTRACEPTIVES, NORPLANT(after 12months on the scheme)	N/A
Infertility limited to diagnosis & prescribed medications	N/A
MATERNITY BENEFITS: (Family Plan holders only after 12mths)
Ante-natal care at registered network provider	N/A
Normal Delivery including Post-Partum Care	N/A
Operative Delivery including Post-partum care	N/A
Medical Conditions during Pregnancy	N/A
Complications from Pregnancy & Childbirth	N/A

IN-PATIENT BENEFIT
Ward admission & Feeding	Semi-Private ward up to 10 days per year
Laboratory investigations, Nursing care, dressing & prescribed medications	Covered
Specialist Review	Covered up to specialist consult limit stated above
PAEDIATRIC CARE (FAMILY PLAN HOLDER ONLY)
Consultation with Neonatologist & pediatrician	N/A
Neonatal care including Phototherapy & Incubator care	N/A
Exchange blood transfusion	N/A
ACCIDENT & EMERGENCY BENEFIT
Nationwide Emergency evacuation, Emergency room care including consultations, investigations, surgical intervention & prescribed medications to stabilize patient in Emergency room only	Up to N80,000 limit
EYE CARE BENEFIT
Consultation with Optician including test, Lens & Prescribed Medications	Up to N42,500 limit
DENTAL CARE BENEFIT
Consultation with Dentist including Dental investigations, pain therapy, simple & surgical extraction, Amalgam filling, Root canal treatment, Gingival treatment & crowning only	Up to N15,000 limit
ADDITIONAL BENEFITS
Physiotherapy	10 sessions
Psychiatry assessment & treatment of acute phase up to 2 weeks	Covered
HIV/AIDS Treatment at designated centers	Covered
Specialized Laboratory Studies like Hormonal Assays, D-dimers, Cardiac Enzymes etc.	Covered
Specialized Imaging Studies echocardiogram, IVU, Contrast studies, Doppler Scan etc	Covered
Advanced Radiological Studies CT scan or MRI (once annually)	Covered
OVERALL LIMIT Per Individual	No limit

REGION OF COVER	Nigeria
PROVIDER TYPE	Standard Network
OUT-PATIENT BENEFIT
GP Consultations at chosen accredited primary care provider including investigations, Basic Imaging (X Ray & USS) nursing care and prescribed medications	Covered
Acute care benefits including out-of-network care	Covered
Minor Surgeries	Covered
Annual physical in your doctor room	Covered
SPECIALIST CONSULTATION
Consultation with common specialist (Gynecologists, Obstetrician, General Surgeon, Pediatrician, ENT Surgeon, Family Physician, Cardiologist)	Covered up to 7 visits a year
Consultation with Rare Specialists- Neurosurgeon, Endocrinologist, Rheumatologist, Nephrologist etc.	Covered up to 7 visits a year
CHRONIC DISEASE MANAGEMENT
Prescribed Medications (after 12mths on the scheme)	Up to N50,000 per Year
PREVENTIVE & HEALTH PROMOTION BENEFIT
Routine medical Screening	Covered
Comprehensive Annual Medical screening at designated facilities:	Covered
UNDER FIVE IMMUNIZATION BENEFIT
NPI-approved Immunization limited to BCG, OPV, HEPATITIS B, DPT, HEAMOPHILLUS INFLUENZA B, MEASLES, YELLOW FEVER	N/A
Non-NPI Immunization limited to ROTAVIRUS, PNEUMOCOCCAL, CHICKEN POX, TYPHOID FEVER, MENINGITIS	N/A
MAJOR DISEASE CONDITION BENEFITS
Surgical Procedures (Intermediate & Major)	Up to N120,000 limit
Cancer care limited to diagnosis, radiotherapy & chemotherapy	Up to N100,000 limit
REPRODUCTIVE HEALTH BENEFIT
Family Planning including IUCDS, INJECTABLES, ORAL CONTRACEPTIVES, NORPLANT(after 12months on the scheme)	N/A
Infertility limited to diagnosis & prescribed medications	N/A
MATERNITY BENEFITS: (Family Plan holders only after 12mths)
Ante-natal care at registered network provider	N/A
Normal Delivery including Post-Partum Care	N/A
Operative Delivery including Post-partum care	N/A
Medical Conditions during Pregnancy	N/A
Complications from Pregnancy & Childbirth	N/A

IN-PATIENT BENEFIT
Ward admission & Feeding	Private ward up to 15 days per year
Laboratory investigations, Nursing care, dressing & prescribed medications	Covered
Specialist Review	Covered up to specialist consult limit stated above
PAEDIATRIC CARE (FAMILY PLAN HOLDER ONLY)
Consultation with Neonatologist & pediatrician	N/A
Neonatal care including Phototherapy & Incubator care	N/A
Exchange blood transfusion	N/A
ACCIDENT & EMERGENCY BENEFIT
Nationwide Emergency evacuation, Emergency room care including consultations, investigations, surgical intervention & prescribed medications to stabilize patient in Emergency room only	Up to N100,000 limit
EYE CARE BENEFIT
Consultation with Optician including test, Lens & Prescribed Medications	Up to N60,000 limit
DENTAL CARE BENEFIT
Consultation with Dentist including Dental investigations, pain therapy, simple & surgical extraction, Amalgam filling, Root canal treatment, Gingival treatment & crowning only	Up to N20,000 limit
ADDITIONAL BENEFITS
Physiotherapy	10 sessions
Psychiatry assessment & treatment of acute phase up to 2 weeks	Covered
HIV/AIDS Treatment at designated centers	Covered
Specialized Laboratory Studies like Hormonal Assays, D-dimers, Cardiac Enzymes etc.	Covered
Specialized Imaging Studies echocardiogram, IVU, Contrast studies, Doppler Scan etc	Covered
Advanced Radiological Studies CT scan or MRI (once annually)	Covered
OVERALL LIMIT Per Individual	No limit

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