SME, Cooperative & Small Groups

When you run a small business, you understand the importance of a healthy workforce. Our specially formulated health plans is a tangible way for you to demonstrate that you care for the health and wellbeing of your team. In addition, subscription will ensure that you and your employees get prompt and easy access to quality health care.

All our plans include a core set of essential health benefits, which include: General and Specialist Consultation, Routine Laboratory Services, Prescription Drugs, Physiotherapy, Hospital Admission and feeding, Emergency Care, Minor and Intermediate Surgeries and simple Optical Care.

Important: Waiting periods and exclusions apply to certain health plans. Please click here to learn more

Services	Life Starter ₦ 19,999 Buy	Couples ₦ 69,999 Buy	Life Plus ₦ 42,999 Buy	Premium Life ₦ 69,999 Buy	The Boss Life ₦ 140,999 Buy
General Consultation	Yes	Yes	Yes	Yes	Yes
Specialist Consultation	3 per year	4 per year	4 per year	Yes	Yes
Lab Investigations	Yes	Yes	Yes	Yes	Yes
Prescribed Drugs	Yes	Yes	Yes	Yes	Yes
Physiotherapy	5 per year	5 per year	10 per year	10 per year	10 per year
Nutritionist/ Dietician Consultation	Quarterly	Quarterly	Quarterly	Quarterly	Quarterly
Travel Immunization	Yes	Yes	Yes	Yes	Yes
Chronic Conditions Management	No	No	Yes after 12 mths	Yes after 12 mths	Yes after 12 mths
Plain & Contrast X-Rays	Plain X-Ray only	Yes	Yes	Yes	Yes
Ultrasound Scans	No	Yes	Yes	Yes	Yes
Admissions in Hospital	General Ward	General Ward	General Ward	Semi-Private Ward	Private Ward
Admissions per Annum	15 days	30 days	30 days	30 days	Unlimited stay
Feeding on Admission	Yes	Yes	Yes	Yes	Yes
Drugs & Infusions	Yes	Yes	Yes	Yes	Yes
Antenatal Care & Delivery	No	Yes after 18 mths	Yes after 18 mths	Yes after 18 mths	Yes after 18 mths
Postnatal Care – 6 weeks	No	Yes after 18 mths	Yes after 18 mths	Yes after 18 mths	Yes after 18 mths
Neonatal Care	No	Yes after 18 mths	Yes after 18 mths	Yes after 18 mths	Yes after 18 mths
Pre-Marital Medical Check up	No	Yes	No	No	No
Family Planning Services	Yes	Yes	Yes	Yes	Yes
Routine (NPI) Immunization (OPV, DPT, Measles, HBV, Vitamin A)	No	No	Yes 0 – 5 years	Yes 0 – 5 years	Yes 0 – 5 years
Additional Immunization (Heberix, MMR, Menava x, Rotarix, Yellow Fever)	No	No	No	Yes 0 – 5 years	Yes 0 – 5 years
Emergency Care	Yes	Yes	Yes	Yes	Yes
Ambulance Service	Yes	Yes	Yes	Yes	Yes
Minor Surgeries	Limit: N120,000	Limit: N250,000 per couple	Limit: N250,000 per person	Limit: N350,000 per person	Limit: N1M per person
Intermediate Surgeries
Major Surgeries
Optical Care	Limit: N5,000 per person	Limit: N10,000 per couple	Limit: N7,500 per person	Limit: N15,000 per person	Limit: N40,000 per person
Primary Dental Care (Scaling & Polishing, Simple Fillings, Simple Extractions)	Scaling & polishing	Scaling & polishing	Limit: N20,000 per person	Limit: N60,000 per person	Limit: N100,000 per person
Dental Surgical Extraction	No	No	No	Yes	Yes
HIV/AIDS Treatment	Yes after 12 mths	Yes after 12 mths	Yes after 12 mths	Yes after 12 mths	Yes after 12 mths
Special Investigations (ECG & EEG, Myelogram, CT Scan, Echo, MRI Scan)	No	No	No	Yes	Yes
Mental Health Services	Yes covered for 15 days	Yes covered for 30 days	Yes covered for 30 days	Yes covered for 30 days	Yes covered for 30 days
Annual Wellness Check	Yes Basic	Yes Basic	Yes Basic	Yes Intermediate	Yes Comprehensive
Intensive Care, Neonatal ICU, Special Baby Care Unit	No	No	Yes 24 hrs ICU cover	Yes 3 days ICU cover	Yes 7 days ICU Cover
Infertility Investigation	No	Yes after 12 mths	Yes after 12 mths	Yes after 12 mths	Yes after 12 mths
Renal Dialysis	No	No	Yes covered for 1 emergency session	Yes covered for 2 sessions	Yes covered for 3 sessions
	Life Starter ₦ 19,999 Buy	Couples ₦ 69,999 Buy	Life Plus ₦ 42,999 Buy	Premium Life ₦ 69,999 Buy	The Boss Life ₦ 140,999 Buy

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