General Exclusions for Co-ops & Associations

There are conditions/ services/ treatments that are not covered by our health plans. These include:

  • Psychiatric Institutionalization
  • Infertility Investigation other than listed or treatment such as IVF, ICSI, GIFT, etc
  • Organ Surgery and Transplant
  • Cosmetic and Plastic Treatment
  • Drug and Alcohol Abuse and Rehabilitation
  • Supply of Prosthesis (Artificial Limbs, Dental Prosthesis)
  • Hormonal Replacement Therapy
  • Treatment of Obesity
  • Overseas Treatment
  • Home Care, Domiciliary Care
  • Herbal Drugs, Non-prescription Drugs
  • Dental Care not as listed
  • Speech Disorders
  • Learning Difficulties
  • Consultation with unrecognized Consultants, Hospitals, Family Doctors, Therapist, Dental Practitioners or Complimentary/Traditional Medicine Practitioners
  • Elective Caesarean Section
  • Congenital Abnormalities & Conditions (e.g. sickle cell anaemia)
  • Burns greater than 9%
  • Treatment protocols that are not standard practice within Nigeria
  • Any treatment or procedure that is required as a follow up to any of the previously listed excluded services
  • Any other medical service not listed in the table of benefits