Silver Plan
Covered Services
Specialist & Outpatient Services
These are medical services received without being admitted to a hospital.
Typically includes:
- Consultations with specialist doctors (e.g., cardiologists, dermatologists, gynecologists)
- Follow-up appointments
- Outpatient treatments and procedures
- Medical advice and assessments
Hospital Admission (Semi-Private Ward)
Hospitalization is covered when admission is medically necessary.
Typically includes:
- Bed space in a semi-private hospital ward
- Basic nursing care during admission
- Monitoring and routine inpatient services
Surgery Cover (Up to ₦300,000)
The plan contributes toward the cost of eligible surgical procedures.
Typically includes:
- Surgeon’s fees
- Operating theatre charges
- Anesthesia-related costs
- Hospital charges related to surgery
Limit: Coverage is capped at ₦300,000 per eligible surgery or according to the policy terms.
Maternity Care (Up to ₦200,000)
Pregnancy and childbirth-related care are covered up to the stated limit.
Typically includes:
- Antenatal (prenatal) consultations
- Routine maternity monitoring
- Delivery costs (depending on policy terms)
- Postnatal care
Limit: Coverage is capped at ₦200,000.
Diagnostics & Emergency Services
Medical investigations and emergency treatment are covered.
Typically includes:
- Laboratory tests
- Blood tests
- X-rays
- Ultrasounds
- Other diagnostic procedures
- Emergency stabilization and treatment for urgent medical conditions
Not Covered Services
Surgery Costs Above ₦300,000
Any amount exceeding the surgery limit may need to be paid by the patient.
Maternity Costs Above ₦200,000
Expenses beyond the maternity cap may not be covered.
Cosmetic or Elective Procedures
Examples:
- Cosmetic surgery
- Non-medically necessary treatments
Advanced Dental Care
Examples:
- Crowns
- Braces
- Dental implants
Optical Services
Examples:
- Prescription glasses
- Contact lenses
- Routine eye examinations
Chronic Disease Management (if not specifically stated)
Examples:
- Long-term specialist treatment for chronic conditions
- Certain expensive medications
International Medical Treatment
Care received outside the country is usually not covered unless specifically stated.