Platinum Plan
Covered Services
Unlimited GP & Specialist Consultations
Provides unrestricted access to medical consultations for diagnosis, treatment, and ongoing healthcare management.
Typically includes:
- General Practitioner (GP) consultations
- Specialist consultations (e.g., cardiology, endocrinology, dermatology, pediatrics, gynecology)
- Follow-up visits
- Medical evaluations and treatment planning
- Referrals to specialists when necessary
Private Room Admission
Hospitalization is covered in a private room for enhanced comfort, privacy, and personalized care.
Typically includes:
- Private hospital room accommodation
- Nursing care during admission
- Daily physician reviews
- Routine inpatient medications and treatments
- Hospital meals and standard inpatient services
High Surgery Coverage
Provides substantial financial support for eligible surgical procedures.
Typically includes:
- Surgeon’s fees
- Anesthesia services
- Operating theatre charges
- Surgical consumables
- Hospitalization related to surgery
- Post-operative inpatient care
Coverage limits and approval requirements apply according to policy terms.
Maternity Care (Up to ₦300,000)
Coverage for pregnancy and childbirth-related healthcare services.
Typically includes:
- Antenatal consultations
- Routine pregnancy monitoring
- Delivery expenses
- Postnatal care
- Maternity-related laboratory investigations and scans
Limit: Coverage is capped at ₦300,000.
Advanced Diagnostics (CT Scan & MRI – Limited)
Access to specialized diagnostic investigations for accurate medical assessment.
Typically includes:
- Laboratory tests
- Blood investigations
- Ultrasound scans
- X-rays
- CT scans (subject to limits)
- MRI scans (subject to limits)
- Other approved advanced diagnostic procedures
Chronic Disease Management
Support for the monitoring and treatment of long-term health conditions.
Typically includes:
- Hypertension management
- Diabetes monitoring and treatment
- Asthma management
- Specialist reviews for chronic illnesses
- Ongoing treatment plans and follow-up care
Not Covered Services
Maternity Costs Above ₦300,000
Any expenses exceeding the maternity limit may be the responsibility of the member.
Experimental or Investigational Treatments
Treatments not widely approved by medical authorities are generally excluded.
Organ Transplants and Related Costs
Usually require specialized coverage and are often excluded from standard plans.
Premium Non-Medical Services
Examples:
- Luxury hospital amenities
- Personal caregiver services not medically required
- Non-medical transportation
International Medical Treatment
Healthcare received outside the country is typically not covered unless specifically included
Covered Services
Full Outpatient & Specialist Care
Comprehensive access to outpatient medical services and specialist consultations.
Typically includes:
- General medical consultations
- Specialist consultations
- Follow-up appointments
- Outpatient treatments and procedures
- Prescription management
- Medical assessments and referrals
Exclusive Private Hospital Access
Access to premium healthcare facilities and top-tier private hospitals within the provider network.
Typically includes:
- Private room accommodation
- Enhanced inpatient services
- Access to selected specialist hospitals
- Priority scheduling and treatment access
- Personalized hospital care
High-Value Surgery Coverage
Extensive coverage for major and minor surgical procedures.
Typically includes:
- Surgeon’s fees
- Anesthesia services
- Theatre charges
- Hospitalization costs
- Surgical consumables
- Post-operative care and monitoring
Coverage limits and pre-authorization requirements apply according to policy terms.
Maternity Care (Up to ₦350,000)
Enhanced maternity benefits for pregnancy and childbirth.
Typically includes:
- Antenatal consultations
- Pregnancy monitoring
- Delivery costs
- Postnatal care
- Routine maternity investigations and scans
Limit: Coverage is capped at ₦350,000.
Advanced Diagnostics & Cancer Care
Access to sophisticated diagnostic procedures and support for cancer-related healthcare needs.
Typically includes:
- Laboratory investigations
- X-rays and ultrasounds
- CT scans
- MRI scans
- Cancer screening services
- Oncology consultations
- Approved cancer-related diagnostic procedures
Annual Health Check
Preventive healthcare services to support early detection and wellness monitoring.
Typically includes:
- Comprehensive medical examination
- Blood pressure assessment
- Blood sugar testing
- Cholesterol screening
- General health risk assessment
- Physician review of results
Not Covered Services
Maternity Costs Above ₦350,000
Any costs exceeding the maternity benefit limit may be paid by the member.
Cosmetic and Elective Procedures
Examples:
- Cosmetic surgery
- Aesthetic treatments
- Non-medically necessary procedures
Experimental Treatments
Investigational procedures and therapies are generally excluded.
Organ Transplants
Transplant procedures and related donor expenses are commonly excluded.
International Medical Treatment
Medical services outside the country are usually not covered unless specifically included.