Waiting periods of 3, 12 or 18 months applies to coverage of the following benefits, where purchased:

1. Dental Benefits (3 Months)
2. Optical Benefits (12 Months)
3. Psychiatric/Mental Disorders & Illnesses – Outpatient Services only (12 Months)
4. Fertility Investigations (12 Months)
5. Minor/ Intermediate Surgical Procedures including Treatment of Hemorrhoids, Fibroids, Hernia, and Adenoidectomy (12 Months)
6. All expenses associated with HIV/AIDS and related conditions (12 Months)
7. Pre-existing and Chronic Conditions (18 Months)
8. Maternity and Child Delivery Benefits including: Pregnancy, Childbirth, Maternity Benefits, Abortion, Miscarriage, Antenatal Care, Obstetric Scans, Post Natal Care, Neonatal Care, Caesarean Section Delivery, etc. (18 Months)

The following conditions/ treatments/services are not covered by any of our health plans. Please refer to your health plan’s detailed benefits

1. Psychiatric Institutionalisation;
2. Any medical service required or injuries sustained as a result of Military, Para Military or Militant service or operations;
3. Any medical service required or injuries sustained as a result of Hazardous sports including but not limited to water sports, mountaineering, hunting, motor racing, riding or driving in any kind of race and professional participation in leagues of any sport;
4. Any medical service required or injuries sustained as a result of Air travel except as a fare paying passenger in any aircraft licensed for passenger carrying;
5. Any medical service required or injuries sustained as a result of War (declared or undeclared), riot, strike, and civil commotion; or acts of God or acts of terrorism;
6. Any medical service required or injuries sustained as a result of Intentional self-injury, suicide or attempted suicide (whether sane or insane), chronic venereal disease, member’s own criminal act, intoxication, the use of drugs not prescribed by a physician or injury sustained whilst in a state of insanity, alcoholism or costs resulting from dependency on or abuse of drugs or other addictive substances and drug rehabilitation;
7. Consultations or treatment by chiropractors, acupuncturists, herbalists, complimentary/traditional medical practitioners or unrecognized consultants, hospitals, family doctors, therapists, dental practitioners;
8. Any medical treatment required, relating to an accident or illness which may have occurred prior to the effective date or to any illness where it was within the knowledge of a member that was suffering from it at the effective date;
9. Overseas Treatment/ Investigations;
10. Organ Surgery and Transplants ;
11. Plastic/Cosmetic Surgeries and/or Treatments;
12. Embalmment, Autopsies, Mortuary Services;
13. Cancer Investigation or Treatment such as chemotherapy or radiotherapy;
14. Investigations not as listed under covered services or Treatments for problems relating to Fertility, e.g. IVF, GIFT, Artificial Insemination; and Virility Enhancing Drugs;
15. Neonatal Care not listed under services
16. Speech Disorders
17. Treatment of Obesity & Weight Loss
18. Elective Caesarean Section
19. Renal Dialysis
20. Dental Surgical Extraction not as listed under cover services
21. Herbal Drugs, Non-Prescription Drugs, Food Supplements, Dietary and Nutrition Supplements, Experimental Drugs and Treatments;
22. Dental treatment unless otherwise stated to be covered by the specific plan
23. Optical services unless otherwise stated to be covered by the specific plan
24. Hearing tests or costs of hearing aids;
25. Any injury, illness or disease specified as an exclusion and complications caused by a condition that is excluded or follow up treatments or investigations that are due to a condition that is excluded;
26. Birth defects, congenital condition or illness, autoimmune disorders, sickle cell anaemia, conditions and illnesses related to genetic disorders;
27. Home Care, Domiciliary Care;
28. Joint Replacements;
29. Supply of Prosthesis (Artificial Limbs, Dental Prosthesis);
30. Hormonal Replacement Therapy;
31. Speech Disorders, Learning Difficulties, Behavioural & Developmental Problems;
32. Treatment of Obesity & Weight Loss;
33. Elective Caesarean Section;
34. Burns greater than 9%;
35. All expenses in respect of illnesses/conditions that were subject to waiting periods when the member and dependants joined the plan
36. Treatment protocols that are not normal, customary or standard practice within Nigeria
37. Any other medical service not listed in the table of benefits on the health plan
38. Any condition, treatment, procedure, or service that is related, is in connection with, or is required as a follow-up to an exclusion.

Exclusions - Life Starter Plan

There are conditions/ services/ treatments that are not covered by the Life Starter Plan. These include:

  1. Management of Chronic conditions such as Hypertension, Diabetes, Asthma, Arthritis, etc
  2. Antenatal Care & Delivery
  3. Immunizations
  4. Neonatal Care
  5. Intensive Care Services
  6. Neonatal Intensive Care or Special Baby Care Unit
  7. Renal Dialysis
  8. Advanced Investigations such as MRI Scans, CT Scans, EEG, Myelogram, ECHO
  9. Psychiatric Institutionalization
  10. Fertility Investigation or Treatment
  11. Organ Surgery and Transplant
  12. Cosmetic and Plastic Treatment
  13. Drug and Alcohol Abuse and Rehabilitation
  14. Embalmment/Autopsy and Mortuary services
  15. Dietary and Nutrition Supplements
  16. Cancer Investigation or Treatment
  17. Supply of Prosthesis (Artificial limbs, Dental prosthesis)
  18. Hormonal Replacement Therapy
  19. Treatment of Obesity
  20. Overseas Treatment
  21. Home Care, Domiciliary Care
  22. Herbal Drugs, Non-Prescription Drugs
  23. Dental Care not as listed
  24. Speech Disorders
  25. Learning Difficulties
  26. Consultation with unrecognized Consultants, Hospitals, Family Doctors, Therapists, Dental Practitioners or Complimentary/Traditional Medicine Practitioners
  27. Elective Caesarean Section
  28. Congenital Abnormalities & Conditions (e.g. sickle cell anaemia)
  29. Burns greater than 9%
  30. Treatment protocols that are not standard practice within Nigeria
  31. Any treatment or procedure that is required as a follow up to any of the previously listed excluded services
  32. Any other medical service not listed in the table of benefits

Exclusions - Couples Plan

There are conditions/ services/ treatments that are not covered by the Couples Plan. These include:

  1. Management of Chronic conditions such as Hypertension, Diabetes, Asthma, Arthritis, etc
  2. Child Immunizations
  3. Neonatal Care
  4. Intensive Care Services
  5. Neonatal Intensive Care or Special Baby Care Unit
  6. Renal Dialysis
  7. Advanced Investigations such as MRI Scans, CT Scans, EEG, Myelogram, ECHO
  8. Psychiatric Institutionalisation
  9. Fertility Investigation other than listed or treatment such as IVF, ICSI, GIFT, etc
  10. Organ Surgery and Transplant
  11. Cosmetic and Plastic Treatment
  12. Drug and Alcohol Abuse and Rehabilitation
  13. Embalmment/Autopsy and Mortuary services
  14. Dietary and Nutrition Supplements
  15. Cancer Investigations or treatment such as Chemotherapy, Radiotherapy, etc
  16. Supply of Prosthesis (Artificial limbs, Dental prosthesis)
  17. Hormonal Replacement Therapy
  18. Treatment of Obesity
  19. Overseas Treatment
  20. Home Care, Domiciliary Care
  21. Herbal Drugs, Non-Prescription Drugs
  22. Dental Care not as listed
  23. Speech Disorders
  24. Learning Difficulties
  25. Consultation with unrecognized Consultants, Hospitals, Family Doctors, Therapists, Dental Practitioners or Complimentary/Traditional Medicine Practitioners
  26. Elective Caesarean Section
  27. Congenital Abnormalities & Conditions (e.g. sickle cell anaemia)
  28. Burns greater than 9%
  29. Treatment protocols that are not standard practice within Nigeria
  30. Any treatment or procedure that is required as a follow up to any of the previously listed excluded services
  31. Any other medical service not listed in the table of benefits

Exclusions - Life Plus Plan

There are conditions/ services/ treatments that are not covered by the Life Plus Plan. These include:

  1. Additional Immunizations other than listed
  2. Advanced Investigations such as MRI Scans, CT Scans, EEG, Myelogram, ECHO
  3. Psychiatric Institutionalisation
  4. Fertility Investigation other than listed or treatment such as IVF, ICSI, GIFT, etc
  5. Organ Surgery and Transplant
  6. Cosmetic and Plastic Treatment
  7. Drug and Alcohol Abuse and Rehabilitation
  8. Embalmment/Autopsy and Mortuary services
  9. Dietary and Nutrition Supplements
  10. Cancer Investigations or treatment such as Chemotherapy, Radiotherapy, etc
  11. Supply of Prosthesis (Artificial limbs, Dental prosthesis)
  12. Hormonal Replacement Therapy
  13. Treatment of Obesity
  14. Overseas Treatment
  15. Home Care, Domiciliary Care
  16. Herbal Drugs, Non-Prescription Drugs
  17. Dental Care not as listed
  18. Speech Disorders
  19. Learning Difficulties
  20. Consultation with unrecognized Consultants, Hospitals, Family Doctors, Therapists, Dental Practitioners or Complimentary/Traditional Medicine Practitioners
  21. Elective Caesarean Section
  22. Congenital Abnormalities & Conditions (e.g. sickle cell anaemia)
  23. Burns greater than 9%
  24. Treatment protocols that are not standard practice within Nigeria
  25. Any treatment or procedure that is required as a follow up to any of the previously listed excluded services
  26. Any other medical service not listed in the table of benefits

Exclusions - Premium Life Plan

There are conditions/ services/ treatments that are not covered by the Premium Life Plan. These include:

  1. Psychiatric Institutionalisation
  2. Fertility Investigation other than listed or treatment such as IVF, ICSI, GIFT, etc
  3. Organ Surgery and Transplant
  4. Cosmetic and Plastic Treatment
  5. Drug and Alcohol Abuse and Rehabilitation
  6. Embalmment/Autopsy and Mortuary services
  7. Dietary and Nutrition Supplements
  8. Cancer Investigations or treatment such as Chemotherapy, Radiotherapy, etc
  9. Supply of Prosthesis (Artificial limbs, Dental prosthesis)
  10. Hormonal Replacement Therapy
  11. Treatment of Obesity
  12. Overseas Treatment
  13. Home Care, Domiciliary Care
  14. Herbal Drugs, Non-Prescription Drugs
  15. Dental Care not as listed
  16. Speech Disorders
  17. Learning Difficulties
  18. Consultation with unrecognized Consultants, Hospitals, Family Doctors, Therapists, Dental Practitioners or Complimentary/Traditional Medicine Practitioners
  19. Elective Caesarean Section
  20. Congenital Abnormalities & Conditions (e.g. sickle cell anaemia)
  21. Burns greater than 9%
  22. Treatment protocols that are not standard practice within Nigeria
  23. Any treatment or procedure that is required as a follow up to any of the previously listed excluded services
  24. Any other medical service not listed in the table of benefits

Exclusions - The Boss Life Plan

There are conditions/ services/ treatments that are not covered by the The Boss Life Plan. These include:

  1. Psychiatric Institutionalisation
  2. Fertility Investigation other than listed or treatment such as IVF, ICSI, GIFT, etc
  3. Organ Surgery and Transplant
  4. Cosmetic and Plastic Treatment
  5. Drug and Alcohol Abuse and Rehabilitation
  6. Embalmment/Autopsy and Mortuary services
  7. Dietary and Nutrition Supplements
  8. Cancer Investigations or treatment such as Chemotherapy, Radiotherapy, etc
  9. Supply of Prosthesis (Artificial limbs, Dental prosthesis)
  10. Hormonal Replacement Therapy
  11. Treatment of Obesity
  12. Overseas Treatment
  13. Home Care, Domiciliary Care
  14. Herbal Drugs, Non-Prescription Drugs
  15. Dental Care not as listed
  16. Speech Disorders
  17. Learning Difficulties
  18. Consultation with unrecognized Consultants, Hospitals, Family Doctors, Therapists, Dental Practitioners or Complimentary/Traditional Medicine Practitioners
  19. Elective Caesarean Section
  20. Congenital Abnormalities & Conditions (e.g. sickle cell anaemia)
  21. Burns greater than 9%
  22. Treatment protocols that are not standard practice within Nigeria
  23. Any treatment or procedure that is required as a follow up to any of the previously listed excluded services
  24. Any other medical service not listed in the table of benefits