Gold Plan
Covered Services
Comprehensive Consultations
This provides broader access to medical consultations and professional healthcare advice.
Typically includes:
- General practitioner (GP) consultations
- Specialist consultations (e.g., cardiology, dermatology, gynecology, pediatrics)
- Follow-up visits
- Medical assessments and treatment planning
- Referrals to specialists when required
Private Hospital Admission
Hospitalization is covered in a private ward for greater comfort and privacy.
Typically includes:
- Private room accommodation
- Nursing care during admission
- Routine inpatient medical care
- Monitoring and observation
- Meals and basic hospital services during admission
Surgery Cover (Up to ₦500,000)
The plan contributes toward the cost of eligible surgical procedures.
Typically includes:
- Surgeon’s fees
- Operating theatre charges
- Anesthesia services
- Surgical consumables
- Hospital charges related to surgery
- Post-operative inpatient care
Limit: Coverage is capped at ₦500,000 per eligible surgery or according to policy terms.
Maternity Care (Up to ₦250,000)
Coverage for pregnancy and childbirth-related healthcare services.
Typically includes:
- Antenatal (prenatal) consultations
- Routine pregnancy monitoring
- Delivery expenses (subject to policy terms)
- Postnatal care
- Basic maternity-related investigations
Limit: Coverage is capped at ₦250,000.
Advanced Diagnostics
Coverage for a wider range of diagnostic investigations.
Typically includes:
- Laboratory tests
- Blood tests
- X-rays
- Ultrasounds
- Electrocardiograms (ECG)
- Specialized diagnostic procedures as approved under the plan
Dental Care
Coverage for basic and selected routine dental services.
Typically includes:
- Dental consultations
- Oral examinations
- Teeth cleaning and polishing
- Simple fillings
- Basic tooth extractions
- Treatment of common dental conditions
Optical Care
Coverage for routine eye care services.
Typically includes:
- Eye examinations
- Vision assessments
- Prescription lenses (subject to plan limits)
- Frames or optical allowances (where applicable)
- Basic treatment for common eye conditions
Not Covered Services
Surgery Costs Above ₦500,000
Any amount exceeding the approved surgery limit may be paid by the patient.
Maternity Costs Above ₦250,000
Expenses beyond the maternity coverage limit may not be covered.
Cosmetic or Elective Procedures
Examples:
- Cosmetic surgery
- Non-medically necessary procedures
- Aesthetic treatments
Major Dental Procedures
Examples:
- Dental implants
- Orthodontics (braces)
- Cosmetic dentistry
- Advanced restorative procedures
Premium Optical Products
Examples:
- Designer frames
- Premium contact lenses
- Elective vision correction procedures
Experimental or Investigational Treatments
Treatments that are not widely approved or recognized may be excluded.
Non-Medical Personal Expenses
Examples:
- Personal comfort items
- Visitor accommodation
- Transportation costs not covered under emergency benefits