Consultation Coverage

Benefit Sub-Categories

Jade

Beryl

Ruby

Sapphire

Emerald

Diamond

Crimson

Region of cover

Nigeria

Nigeria

Nigeria

Nigeria

Nigeria & India

Nigeria & India

Nigeria & India

Annual benefit limits per individual

N500,000

N750,000

N1,000,000

N1,500,000

N2,500,000

N3,500,000

N5,000,000

Inpatient limit

N350,000

N525,000

N700,000

N1,050,000

N1,750,000

N2,450,000

N3,500,000

Outpatient limit

N150,000

N225,000

N300,000

N450,000

N750,000

N1,050,000

N1,500,000

.

ANNUAL WELLNESS SCREENING (at designated facilities)

Physical examination (BMI)

Visual Acuity

Blood pressure

Fasting Blood Sugar

Full blood count

Urinalysis

Serum Cholesterol

ALT / AST

ECG

E/U/Cr

Mammogram- Breast scan, cervical smears every 2 years for women above 35 years,

PSA for men above 40 yrs

Pap Smear (to be done once in 3 years)

.

GENERAL CONSULTATION (OUTPATIENT CASES)

This involves treatment of basic medical and surgical (minor) outpatient cases.

N100,000

N150,000

N250,000

N350,000

N500,000

N750,000

N1,000,000

.

SPECIALIST CONSULTATION: This includes all specialist fees. The list of diagnosis under this plan is inexhaustive

O and G specialist

General Surgeon

Cardiologist

Pediatrician

Pediatric surgeon

Dermato
logist

Endocrino
logist

Hemato
logist

Cardiothor-
acic surgeon

ENT Surgeon

Urologist

Orthopaedic Surgeon

Gastro
enterologist

Psychiatrist

Neuro
surgeon

Neurologist

Nephro
logist

Pulmono
logist/
Respiratory Physician

Oncologist

Pathologist

Family Physician

Oral and Maxillofacial Surgeon

Neonato
logist

Screening and Diagnostics

Benefit Sub-Cate
gories

Jade

Beryl

Ruby

Sapphire

Emerald

Diamond

Crimson

LABORATORY

Hematology

Haemoglobin

Packed Cell Volume

White cell differential count

Full Blood Count and differentials

White Blood Cell count

Red Blood Cell count

Grouping and Cross Matching

Erythrocyte Sedi
mentation Rate (ESR)

MCHC

MCH

MCV

Blood Film

Blood Pregnancy (Beta HCG) Test

Clotting Time

Bleeding Time

.

Chemistry

Fasting Blood Sugar

Random Blood Sugar

Electrolyte, Urea and Creatinine

Prostate Specific Antigen

Serum Albumin

Serum AST/SGOT

Serum Bilirubin (Direct and Indirect)

2 Hours Post-prandial Blood Sugar

Oral Glucose Tolerance Test (OGTT)

Glucose Challenge Test

Lipid Profile (Fasting) (Cholesterol, HDL, LDL, Triglyceride Profile)

Serum Sodium

Serum Calcium

Serum Magnesium

Serum Potasium

Serum Lithium

Serum Chloride

Serum Bicarbonate

Serum Alkaline Phosphate

Serum Acid Phosphate

Serum Inorganic Phosphate

Serum Lactate Dehydrogenase

Serum Gamma Glutamyl Transferase

Prothrombin time (PT/INR)

Urine Pregnancy Test

Blood urea Nitrogen

HBA1C

G-6PD Screening

Thyroid Function Tests

Serum Uric Acid

Creatinine phos
phokinase

Pap Smear and Cytology

Prostate Specific Antigen

Protein Electro
phoresis

Serum Creatinine Phospho
kinase

Serum Iron

24 Hour Creatinine Clearance

Coomb’s Test (Indirect)

Coomb’s Test (Direct)

Osmotic Fragility Test

D-Dimer

.

ADVANCED & COMPLEX INVESTI
GATIONS

Limit to 1 session Annually

Limit to 1 session Annually

Limit to 2 session Annually

Limit to 2 session Annually

CT Scan, MRI Scan and echocar
diograph

CT scan only

.

Microbiology, Serology and Parasitology

Malaria Parasite

Hepatitis B Screening

HIV Screening

Genotype

Blood group

Urine MCS

Stool MCS

Endocervical Swab (ECS) M/C/S

High Vaginal Swab (HVS) M/C/S

Urethral Swab M/C/S

Throat Swab M/C/S

Ear Swab M/C/S

Wound Swab M/C/S

Eye Swab M/C/S

Sputum M/C/S

Aspirates M/C/S

CSF M/C/S (CSF Analysis)

Semen M/C/S

H.Pylori

Trypanosomes screening

Toxoplasma Screening

Skin Snip for Microfilaria

Skin Scraping for Fungi

Leishmania Screening

Mantoux/Heaf’s Test

Blood Culture

Stool Occult Blood

Hepatitis B Surface Antigen (HBSAg)

Hepatitis C Screening

HIV Confirmatory Test

Sputum Acid Fast Bacilli (AFB) Test

QBC Malaria Concentration And Fluorescent Staining

.

Admission and Accommodation

Benefit Sub-Categories

Jade

Beryl

Ruby

Sapphire

Emerald

Diamond

Crimson

ADMISSIONS AND ACCOMMODATION

Accomodation Type

General ward

General ward

General ward

Semi – private

Semi – private

Private

Private

Accommodation including nursing care and consumables (Annual limit)

3 days

5 days

7 days

15 days

20 days

25 days

30 days

Feeding on admission (covered only for the admitted enrollee)

Accommodation for parents whose infants are on admission

1 day

2 days

3 days

3 days

5 days

7 days

Inpatient /Hospitalization Benefit Abroad

.

INTENSIVE CARE UNIT

No of days applicable on the plan

1 day

2 days

3 days

5days

7 days

Benefit Sub-Categories

Jade

Beryl

Ruby

Sapphire

Emerald

Diamond

Crimson

Region of cover

Nigeria

Nigeria

Nigeria

Nigeria

Nigeria & India

Nigeria & India

Nigeria & India

Annual benefit limits per individual

N500,000

N750,000

N1,000,000

N1,500,000

N2,500,000

N3,500,000

N5,000,000

Inpatient limit

N350,000

N525,000

N700,000

N1,050,000

N1,750,000

N2,450,000

N3,500,000

Outpatient limit

N150,000

N225,000

N300,000

N450,000

N750,000

N1,050,000

N1,500,000

Maternal & Infant Care

Benefit Sub-Categories

Jade

Beryl

Ruby

Sapphire

Emerald

Diamond

Crimson

NEONATE CARE

Special Baby Care Unit (Intensive care Unit-including life support, Phototherapy & Incubator care). limit per plan

N200,000

N300,000

N500,000

Post Natal care- 6 weeks

Congenital anomaly treatment (for children born on the plan). Limits per plan

N100,000

N200,000

N300,000

.

OBSTETRICS AND GYNAECOLOGY

N70,000

N200,000

N200,000

N300,000

N300,000

N350,000

N400,000

Antenatal care

Induction of labour & Normal delivery

Assisted delivery

Emergency or Elective Caesarean Section (subject to surgical limit)

Reimbursement for delivery abroad, limits per plan

Normal -N70,000.00, CS- N100,000.00

Normal -N100,000.00 , CS- N150,000.00

Normal -N150,000.00, CS- N250,000.00

Therapeutic Abortion (Manual Vacuum Aspiration)

.

IMMUNIZATIONS (0-5 YEARS) Adults (5 – 18 )

Bacille Calmette-Guerin (BCG for Tuberculosis)

Oral Poliovirus Vaccines (OPV)

Pentavalent

Hepatitis B Vaccine (HBV)

Vitamin A

Measles

Yellow Fever

Meningitis Vaccine

Measles, Mumps, and Rubella (MMR)

Inactivated Polio Vaccine (IPV)

Rotavirus Vaccine

Diphtheria-Tetanus-Pertussis (DPT)

Pneumococcal Vaccine

Typhoid Vaccine

Human Papillomavirus Vaccine (HPV)

.

IMMUNIZATIONS (5 – 18 years)

Hepatitis B Vaccine (HBV)

Yellow Fever

Meningitis Vaccine

Benefit Sub-Categories

Jade

Beryl

Ruby

Sapphire

Emerald

Diamond

Crimson

Region of cover

Nigeria

Nigeria

Nigeria

Nigeria

Nigeria & India

Nigeria & India

Nigeria & India

Annual benefit limits per individual

N500,000

N750,000

N1,000,000

N1,500,000

N2,500,000

N3,500,000

N5,000,000

Inpatient limit

N350,000

N525,000

N700,000

N1,050,000

N1,750,000

N2,450,000

N3,500,000

Outpatient limit

N150,000

N225,000

N300,000

N450,000

N750,000

N1,050,000

N1,500,000

Surgery, Dental, Eye, ENT, etc

Benefit Sub-Categories

Jade

Beryl

Ruby

Sapphire

Emerald

Diamond

Crimson

ENT

Treatment of ENT diseases and removal of foreign bodies

ENT Surgeries – (part of the surgical limit)

.

DENTAL CARE: All care covered under the plan up to the limits

N10,000

N15,000

N25,000

N45,000

N75,000

N100,000

N150,000

Dental Consultation, Imaging, Endodontic treatment, Extraction

Preventive Treatment: Prophylaxis

Gum Treatment & Surgeries, Restorative Treatments

Pharmacy: Prescribed Drugs

Dental Crowning

Subject to the dental limit

Subject to the dental limit

Subject to the dental limit

Subject to the dental limit

Subject to the dental limit

Subject to the dental limit

Subject to the dental limit

Oral and Maxillofacial Surgery

Subject to the surgical limit

Subject to the surgical limit

Subject to the surgical limit

Subject to the surgical limit

Subject to the surgical limit

Subject to the surgical limit

Subject to the surgical limit

.

EYE CARE

Primary Eye Care- Consultation, Examination, primary infections, and Medications

Advanced Ocular tests (Central Visual Field, Depth Perception Test, Schirmer Tear Test, Amsler Test, Retina Photography, OCT Scan, A Scan, B Scan)

Limited to N30,000 per annum

Limited to N45,000 per annum

Limited to NGN60,000.00

Limited to NGN85,000.00

Eye Surgeries covered as part of over all surgerical limit

Biennial Optical Lenses and Frames covered up to annual limit per plan

N5,000

N7,500

N10,000

N15,000

N20,000

N30,000

N45,000

.

PHYSIOTHERAPY CARE

Number of sessions limit per plan

2 sessions

3 sessions

6 sessions

9 sessions

12 sessions

15 sessions

18 sessions

Specialist Consultation and Preventive Counselling

Pain therapy

Access to prescribed drugs

Cervical Collar, Lumber Corsets, Knee and Ankle Braces (on prescription)

Crutches (on prescription)

Walker (on prescription)

.

Surgeries (Minor, Intermediate and Major)

N100,000

N200,000

N300,000

N400,000

N500,000

N750,000

N1,000,000

Benefit Sub-Categories

Jade

Beryl

Ruby

Sapphire

Emerald

Diamond

Crimson

Region of cover

Nigeria

Nigeria

Nigeria

Nigeria

Nigeria & India

Nigeria & India

Nigeria & India

Annual benefit limits per individual

N500,000

N750,000

N1,000,000

N1,500,000

N2,500,000

N3,500,000

N5,000,000

Inpatient limit

N350,000

N525,000

N700,000

N1,050,000

N1,750,000

N2,450,000

N3,500,000

Outpatient limit

N150,000

N225,000

N300,000

N450,000

N750,000

N1,050,000

N1,500,000

Chronic Treatments- Accident, Fertility, HIV, etc

Benefit Sub-Categories

Jade

Beryl

Ruby

Sapphire

Emerald

Diamond

Crimson

FERTILITY SERVICES

Investigation limits per plan

N10,000

N15,000

N25,000

N45,000

N75,000

N100,000

N200,000

.

HIV / AIDS TREATMENT (at designated referral centres)

Covered

Covered

Covered

Covered

Covered

Covered

Covered

.

CANCER CARE

Consultation, Admission, Counselling, Hospice Care , Surgical – Chemotherapy – Radiotherapy; limits per plan

N100,000

N200,000

N300,000

N500,000

.

RENAL CARE

Dialysis sessions limit per plans

2 sessions

3 sessions

3 sessions

5 sessions

.

CHRONIC DISEASE MANAGEMENT / PHARMACY BENEFIT

Annual limit of N50,000

Annual limit of N100,000

Annual limit of N150,000

Annual limit of N200,000

Annual limit of N250,000

Annual limit of N300,000

Annual limit of N350,000

Drug delivery and pick up at partner pharmacies

Annual Limit of NGN50,000

Annual Limit of NGN80,000

Annual Limit of NGN100,000

Personal health equipment – BP machine and Glucometer (to be picked up at our partner pharmacies, subject to the subsidized annual limit, being an enrollee for a minimum period of 9 months and confirmation from Bastion’s quality assurance team)

Subsidized Limit of NGN20,000

Subsidized Limit of NGN30,000

.

ACCIDENT AND EMERGENCY CARE (Limits of – )

N100,000

N200,000

N300,000

N400,000

N500,000

N650,000

N800,000

Care for accident and emergency cases, Ground Ambulance transfer from roadside to hospital and hospital to hospital

Stabilization, Emergency Care,drugs and Investigations

.

Benefit Sub-Categories

Jade

Beryl

Ruby

Sapphire

Emerald

Diamond

Crimson

Region of cover

Nigeria

Nigeria

Nigeria

Nigeria

Nigeria & India

Nigeria & India

Nigeria & India

Annual benefit limits per individual

N500,000

N750,000

N1,000,000

N1,500,000

N2,500,000

N3,500,000

N5,000,000

Inpatient limit

N350,000

N525,000

N700,000

N1,050,000

N1,750,000

N2,450,000

N3,500,000

Outpatient limit

N150,000

N225,000

N300,000

N450,000

N750,000

N1,050,000

N1,500,000

Preventive care, Mental Health & Wellness

Benefit Sub-Categories

Jade

Beryl

Ruby

Sapphire

Emerald

Diamond

Crimson

TELEMEDICINE AND HEALTH COACH

Telemedicine app – chat with a doctor consultation online 24/7

.

ANNUAL WELLNESS SCREENING (at designated facilities)

Physical examination (BMI)

Visual Acuity

Blood pressure

Fasting Blood Sugar

Full blood count

Urinalysis

serum cholesterol

ALT / AST

ECG

E/U/Cr

Mammogram- Breast scan, cervical smears every 2 years for women above 35 years,

PSA for men above 40 yrs

Pap Smear (to be done once in 3 years)

.

LIFESTYLE MANAGEMENT

Network Gym Access

Covered up to 1 session per week

Covered up to 2 sessions per week

Covered up to 2 sessions per week

.

SECOND OPINION CONSULTATION

Second opinion diagnosis and treatment from providers within Bastion’s network

Line of treatment confirmation from Internationally Certified Medical and Surgical Specialists Outside Africa

.

MORTUARY SERVICES FOR FAMILY

Benefit Sub-Categories

Jade

Beryl

Ruby

Sapphire

Emerald

Diamond

Crimson

Region of cover

Nigeria

Nigeria

Nigeria

Nigeria

Nigeria & India

Nigeria & India

Nigeria & India

Annual benefit limits per individual

N500,000

N750,000

N1,000,000

N1,500,000

N2,500,000

N3,500,000

N5,000,000

Inpatient limit

N350,000

N525,000

N700,000

N1,050,000

N1,750,000

N2,450,000

N3,500,000

Outpatient limit

N150,000

N225,000

N300,000

N450,000

N750,000

N1,050,000

N1,500,000

Premium

Premium

Jade

Beryl

Ruby

Sapphire

Emerald

Diamond

Crimson

Annual premium per individual

28,250.00

61,963.25

89,548.13

113,906.88

166,522.25

316,509.13

523,307.00

Family of 2

53,900.00

119,242.97

172,574.33

214,406.12

316,797.25

606,771.17

1,010,625.00

Family of 3

80,437.50

177,951.88

257,540.77

319,968.31

472,771.41

905,513.09

1,508,203.13

Family of 4

107,250.00

237,269.18

343,387.69

426,624.41

630,361.88

1,207,350.79

2,010,937.50

Family of 5

133,375.00

295,065.51

427,033.41

530,545.74

783,911.56

1,501,449.06

2,500,781.25

Family of 6

159,225.00

352,253.47

509,798.64

633,373.17

935,844.94

1,792,451.55

2,985,468.75

Consultation Coverage
      Most Popular  
  Jade
Beryl
Ruby
Sapphire
Emerald
Diamond
Crimson
  Benefit Sub-Categories
Benefit Sub-Categories        
  GENERAL CONSULTATION
GENERAL CONSULTATION        
  This involves treatment of basic medical and surgical (minor) outpatient cases.
This involves treatment of basic medical and surgical (minor) outpatient cases. Jade: ₦100,000
Beryl: ₦150,000
Ruby: ₦250,000
Sapphire: ₦350,000
Emerald: ₦500,000
Diamond: ₦750,000
Crimson: ₦1,000,000
  HOSPITAL NETWORKS
HOSPITAL NETWORKS        
  Hospital Category Accessible
Hospital Category Accessible Jade hospitals
 

Beryl hospitals
Ruby hospitals
 

Sapphirre hospitals
Emerald hospitals
 

Diamond hospitals
Crimson hospitals
  COVER AND LIMIT
COVER AND LIMIT        
  Region of Cover
Region of Cover Jade: Nigeria
Beryl: Nigeria
Ruby: Nigeria
Sapphire: Nigeria
Emerald: Nigeria & India
Diamond: Nigeria & India
Crimson: Nigeria & India
  Annual benefit limits per individual
Annual benefit limits per individual Jade: ₦500,000
Beryl: ₦750,000
Ruby: ₦1,000,000
Sapphire: ₦1,500,000
Emerald: ₦2,500,000
Diamond: ₦3,500,000
Crimson: ₦5,000,000
  SPECIALIST CONSULTATION: This includes all specialist fees. The list of diagnosis under this plan is exhaustive
SPECIALIST CONSULTATION: This includes all specialist fees. The list of diagnosis under this plan is exhaustive        
  O and G specialist, Pediatrician, Hematology, Endocrinology, Urologist, Dermatology, Cardiologist, General Surgeon, Gastroenterologist, Psychiatrist, Pediatric surgeon, Orthopedic Surgeon, ENT Surgeon, Neonatologist, Cardiothoracic surgeon.
O and G specialist, Pediatrician, Hematology, Endocrinology, Urologist, Dermatology, Cardiologist, General Surgeon, Gastroenterologist, Psychiatrist, Pediatric surgeon, Orthopedic Surgeon, ENT Surgeon, Neonatologist, Cardiothoracic surgeon Jade: 
Beryl: 
Ruby: 
Sapphire: 
Emerald: 
Diamond: 
Crimson: 
Screening & Diagnostics
      Most Popular  
  Jade
Beryl
Ruby
Sapphire
Emerald
Diamond
Crimson
  Benefit Sub-Categories
Benefits        
  LABORATORY
LABORATORY        
  Skull X-Rays, Red Blood Cell count, Ultrasound Scan, White Blood Cell count, Limbs X-Rays, Neck X-Rays, Packed Cell Volume, Hematological tests, Full Blood Count and differentials, Lumbosacral X-Rays, White cell differential count, Hemoglobin, Plain Abdominal X-Rays, Chest X-Rays, X-Rays of Body Joints.
Skull X-Rays, Red Blood Cell count, Ultrasound Scan, White Blood Cell count, Limbs X-Rays, Neck X-Rays, Packed Cell Volume, Hematological tests, Full Blood Count and differentials, Lumbosacral X-Rays, White cell differential count, Hemoglobin, Plain Abdominal X-Rays, Chest X-Rays, X-Rays of Body Joints. Jade: 
Beryl: 
Ruby: 
Sapphire: 
Emerald: 
Diamond: 
Crimson: 
  ADVANCED & COMPLEX INVESTIGATIONS
COMPLEX INVESTIGATIONS        
  CT, Scan, MRI Scan and echocardiograph
CT, Scan, MRI Scan and echocardiograph Jade: 
Beryl: 
Ruby: 
Sapphirre: CT scan only
Emerald: 
Diamond: 
Crimson: 
  CHEMISTRY
CHEMISTRY        
  Fasting Blood Sugar, Microbiology, Urine MCS, HIV Screening, Prostate Specific Antigen, Random Blood Sugar, Blood group, Serology, Stool MCS, Serum AST/SGOT, Serum albumin, Fasting Blood Sugar, Malaria Parasite, Genotype, Widal, Hepatitis B Screening, Electrolyte, Urea and Creatinine, Serum ALT/SGPT, Serum Bilirubin (Direct and Indirect).
Fasting Blood Sugar, Microbiology, Urine MCS, HIV Screening, Prostate Specific Antigen, Random Blood Sugar, Blood group, Serology, Stool MCS, Serum AST/SGOT, Serum albumin, Fasting Blood Sugar, Malaria Parasite, Genotype, Widal, Hepatitis B Screening, Electrolyte, Urea and Creatinine, Serum ALT/SGPT, Serum Bilirubin (Direct and Indirect). Jade: 
Beryl: 
Ruby: 
Sapphire: 
Emerald: 
Diamond: 
Crimson: 
Admission & Accommodation
      Most Popular  
  Jade
Beryl
Ruby
Sapphire
Emerald
Diamond
Crimson
  Benefit Sub-Categories
Benefits        
  ADMISSIONS AND ACCOMMODATION
ADMISSIONS AND ACCOMMODATION        
  Limit per plan
Limit per plan Jade: ₦100,000
Beryl: ₦200,000
Ruby: ₦300,000
Sapphire: ₦400,000
Emerald: ₦500,000
Diamond: ₦650,000
Crimson: ₦800,000
  Accommodation Type
Accommodation Type Jade: General Ward
Beryl: General Ward
Ruby: General Ward
Sapphire: Semi-private
Emerald: Semi-private
Diamond: Private
Crimson: Private
  Accomodation including nursing care and consumables
Accomodation including nursing care and consumables Jade: 3 days
Beryl: 5 days
Ruby: 7 days
Sapphirre: 15 days
Emerald: 20 days
Diamond: 25 days
Crimson: 30 days
  Feeding on admission
Feeding on admission Jade: 
Beryl: 
Ruby: 
Sapphire: 
Emerald: 
Diamond: 
Crimson: 
  Accomodation for parents whose infants are on admission
Accomodation for parents whose infants are on admission Jade: 

Beryl: 1 day

Ruby: 2 days
Sapphire: 3 days
Emerald: 3 days
Diamond: 5 days
Crimson: 7 days
  Inpatient /Hospitalization Benefit Abroad
Inpatient /Hospitalization Benefit Abroad Jade: 

Beryl: 

Ruby: ✖
Sapphire: ✖
Emerald: ✖
Diamond: ✖
Crimson: ✖
  INTENSIVE CARE UNIT
INTENSIVE CARE UNIT        
  No of days applicable on the plan
No of days applicable on the plan Jade: ✖
Beryl: ✖
Ruby: 1 day
Sapphire: 2 days
Emerald: 3 days
Diamond: 5 days
Crimson: 7 days
Maternal & Infant Care
      Most Popular  
  Jade
Beryl
Ruby
Sapphire
Emerald
Diamond
Crimson
  Benefit Sub-Categories
Benefits        
  NEONATE CARE
NEONATE CARE        
  Special Baby Care Unit (Intensive care Unit-including life support, Phototherapy & Incubator care). limit per plan
Special Baby Care Unit (Intensive care Unit-including life support, Phototherapy & Incubator care). limit per plan Jade: 
Beryl: 
Ruby: 
Sapphire: 
Emerald: 3 days
Diamond: 5 days
Crimson: 10 days
  Congenital anomaly treatment (for children born on the plan). Limits per plan
Congenital anomaly treatment (for children born on the plan). Limits per plan Jade: 
Beryl: 
Ruby: 
Sapphire: 
Emerald: ₦100,000
Diamond: ₦200,000
Crimson: ₦300,000
  IMMUNIZATIONS (0-5 YEARS) ADULTS (5 – 18 YEARS)
IMMUNIZATIONS (0-5 YEARS) ADULTS (5 – 18 YEARS)        
  BCG, OPV, PENTAVALENT, HBV, VITAMIN A, MEASLES, YELLOW FEVER, MENINGITIS VACCINE, MMR.
BCG, OPV, PENTAVALENT, HBV, VITAMIN A, MEASLES, YELLOW FEVER, MENINGITIS VACCINE, MMR. Jade: 
Beryl: 
Ruby: 
Sapphire: 
Emerald: 
Diamond: 
Crimson: 
  IPV
IPV Jade:  
Beryl: 
Ruby: 
Sapphire: 
Emerald: 
Diamond: 
Crimson: 
  ROTAVIRUS VACCINE, PNEUMOCOCCAL VACCINE, TYPHOID VACCINE, HPV VACCINE
ROTAVIRUS VACCINE, PNEUMOCOCCAL VACCINE, TYPHOID VACCINE, HPV VACCINE Jade: 
Beryl: 
Ruby: 
Sapphire: 
Emerald: 
Diamond: 
Crimson: 
  OBSTETRICS AND GYNAECOLOGY
OBS AND GYN        
  Limits per plan
Limits per plan Jade: ₦70,000
Beryl: ₦200,000
Ruby: ₦200,000
Sapphire: ₦300,000
Emerald: ₦300,000
Diamond: ₦350,000
Crimson: ₦400,000
  Antenatal care, Induction of labour & Normal delivery, Assisted delivery, Emergency or Elective Caesarean Section, Post Natal care – 6 weeks
Antenatal care, Induction of labour & Normal delivery, Assisted delivery, Emergency or Elective Caesarean Section, Post Natal care – 6 weeks Jade: 
Beryl: 
Ruby: 
Sapphire: 
Emerald: 
Diamond: 
Crimson: 
  Family Planning Services – Pills, Injectables, Copper IUCD, tubal ligation and Vasectomy
Family Planning Services – Pills, Injectables, Copper IUCD, tubal ligation and Vasectomy Jade: Only Pills & IUCD
Beryl: Only pills & IUCD
Ruby: 
Sapphire: 
Emerald: 
Diamond: 
Crimson: 
  Reimbursement for delivery abroad, limits per plan
Reimbursement for delivery abroad, limits per plan Jade: 
Beryl: 
Ruby: 
Sapphire: 
Emerald: Normal – $70, CS – $100
Diamond: Normal – $100, CS – $150
Crimson: Normal – $150, CS – $250
Surgery, Dental, Eye, ENT, etc
      Most Popular  
  Jade
Beryl
Ruby
Sapphire
Emerald
Diamond
Crimson
  Benefit Sub-Categories
Benefits        
  ENT
ENT        
  ENT Surgeries (part of surgical limit)
ENT Surgeries (part of surgical limit) Jade: 
Beryl: 
Ruby: 
Sapphire: 
Emerald: 
Diamond: 
Crimson: 
  Treatment of ENT diseases and removal of foreign bodies
Treatment of ENT diseases and removal of foreign bodies Jade: 
Beryl: 
Ruby: 
Sapphire: 
Emerald: 
Diamond: 
Crimson: 
  DENTAL CARE
DENTAL CARE        
  All dental care covered up to the limit per plan
All dental care covered up to the limit per plan Jade: ₦10,000
Beryl: ₦15,000
Ruby: ₦25,000
Sapphire: ₦45,000
Emerald: ₦75,000
Diamond: ₦100,000
Crimson: ₦150,000
  Dental Consultation, Imaging, Endodontic treatment, Extraction, Preventive Treatment: Prophylaxis, Gum Treatment & Surgeries, Restorative Treatments, Pharmacy: Prescribed Drugs, Orthodontic Treatment
Dental Consultation, Imaging, Endodontic treatment, Extraction, Preventive Treatment: Prophylaxis, Gum Treatment & Surgeries, Restorative Treatments, Pharmacy: Prescribed Drugs, Orthodontic Treatment Jade:
Beryl:
Ruby:
Sapphire:
Emerald:
Diamond:
Crimson:
  EYE CARE
EYE CARE        
  Primary Eye Care- Consultation, Examination, primary infections and Medications
Primary Eye Care- Consultation, Examination, primary infections and Medications Jade: 
Beryl: 
Ruby: 
Sapphire: 
Emerald: 
Diamond: 
Crimson: 
  Eye Surgeries covered as part of over all surgerical limit
Eye Surgeries Jade: 
Beryl: 
Ruby: 
Sapphire: 
Emerald: 
Diamond: 
Crimson: 
  Biennial Optical Lenses and Frames covered up to limit per plan
Biennial Optical Lenses and Frames covered up to limit per plan Jade: ₦5,000
Beryl: ₦7,500
Ruby: ₦10,000
Sapphire: ₦15,000
Emerald: ₦20,000
Diamond: ₦30,000
Crimson: ₦45,000
  PHYSIOTHERAPY CARE
PHYSIOTHERAPY CARE        
  Specialist Consultation
Specialist Consultation Jade: 
Beryl: 
Ruby: 
Sapphire: 
Emerald: 
Diamond: 
Crimson: 
  Number of sessions limit per plan
Number of sessions limit per plan Jade: 2 sessions
Beryl: 5 sessions
Ruby: 10 sessions
Sapphire: 15 sessions
Emerald: 20 sessions
Diamond: 25 sessions
Crimson: 30 sessions
  Pain therapy
Pain therapy Jade: 
Beryl: 
Ruby: 
Sapphire: 
Emerald: 
Diamond: 
Crimson: 
  SURGERY
SURGERY        
  Surgeries (Minor, Intermediate and Major)
Surgeries (Minor, Intermediate and Major) Jade: ₦100,000
Beryl: ₦200,000
Ruby: ₦300,000
Sapphire: ₦400,000
Emerald: ₦500,000
Diamond: ₦750,000
Crimson: ₦1,000,000
Chronic Treatment - Accident, Fertility, HIV etc
      Most Popular  
  Jade
Beryl
Ruby
Sapphire
Emerald
Diamond
Crimson
  Benefit Sub-Categories
Benefits        
  FERTILITY SERVICES
FERTILITY SERVICES        
  Consultation and basic Investigations only, limits per plan
Investigation and treatment at limits per plan Jade: ₦10,000
Beryl: ₦15,000
Ruby: ₦25,000
Sapphire: ₦45,000
Emerald: ₦75,000
Diamond: ₦100,000
Crimson: ₦200,000
  HIV / AIDS TREATMENT
HIV / AIDS TREATMENT        
  HIV / AIDS TREATMENT (at designated approved centres)
HIV / AIDS TREATMENT (at designated approved centres) Jade: 
Beryl: 
Ruby: 
Sapphire: 
Emerald: 
Diamond: 
Crimson: 
  CANCER CARE
CANCER CARE        
  Consultation, Admission, Counselling, Hospice Care , Surgical – Chemotherapy – Radiotherapy; limits per plan
Consultation, Admission, Counselling, Hospice Care , Surgical – Chemotherapy – Radiotherapy; limits per plan Jade: 
Beryl: 
Ruby: 
Sapphire: ₦100,000
Emerald: ₦200,000
Diamond: ₦300,000
Crimson: ₦500,000
  RENAL CARE
RENAL CARE        
  Dialysis sessions limit per plans
Dialysis sessions limit per plans Jade: 
Beryl: 
Ruby: 
Sapphire: 2 sessions
Emerald: 3 sessions
Diamond: 3 sessions
Crimson: 5 sessions
  Dialysis sessions limit per plans (10 months waiting period)
Dialysis sessions limit per plans (10 months waiting period) Jade: 
Beryl: 
Ruby: 
Sapphire: 
Emerald: 
Diamond: 
Crimson: 
  CHRONIC DISEASE MANAGEMENT / PHARMACY BENEFIT
CHRONIC DISEASE MANAGEMENT / PHARMACY BENEFIT        
  Personal health equipment – BP machine, Glucomenter, Trackers
Personal health equipment – BP machine, Glucomenter, Trackers Jade: 
Beryl: 
Ruby: 
Sapphire: 
Emerald: 
Diamond: 
Crimson: 
  Drug delivery and pick up at partner pharmacies
Drug delivery and pick up at partner pharmacies Jade: 
Beryl: 
Ruby: 
Sapphire: 
Emerald: ₦50,000
Diamond: ₦80,000
Crimson: ₦100,000
Preventive Care, Mental Health & Wellness
      Most Popular  
  Jade
Beryl
Ruby
Sapphire
Emerald
Diamond
Crimson
  Benefit Sub-Categories
Benefits        
  TELEMEDICINE AND HEALTH COACH
TELEMEDICINE        
  Telemedicine app – chat with a doctor consultation online 24/7
Telemedicine app – chat with a doctor consultation online 24/7 Jade: 
Beryl: 
Ruby: 
Sapphire: 
Emerald: 
Diamond: 
Crimson: 
  ANNUAL WELLNESS SCREENING
ANNUAL WELLNESS SCREENING        
  Physical examination, Blood presssure, Full blood count
Physical examination, Blood presssure, Full blood count Jade: 
Beryl: 
Ruby: 
Sapphire: 
Emerald: 
Diamond: 
Crimson: 
  Visual Acuity
Visual Acuity Jade: 
Beryl: 
Ruby: 
Sapphire: 
Emerald: 
Diamond: 
Crimson: 
  Urinalysis, serum cholesterol
Urinalysis, serum cholesterol Jade: 
Beryl: 
Ruby: 
Sapphire: 
Emerald: 
Diamond: 
Crimson: 
  ALT / AST, ECG, E/U/Cr
ALT / AST, ECG, E/U/Cr Jade: 
Beryl: 
Jade: 
Sapphire: 
Emerald: 
Diamond: 
Crimson: 
  Cervical smear (every 2 years for women above 35 years), Mammogram – Breast Scan (every 2 years for women above 35 years), PSA
Cervical smear (every 2 years for women above 35 years), Mammogram – Breast Scan (every 2 years for women above 35 years), PSA Jade: 
Beryl: 
Ruby: 
Sapphire: 
Emerald: 
Diamond: 
Crimson: 
  LIFESTYLE MANAGEMENT
LIFESTYLE MANAGEMENT        
  Subsidized Fitness/ nutritional club membership (for non-network gym)
Subsidized Fitness/ nutritional club membership (for non-network gym) Jade: 
Beryl:
Ruby:
Sapphire:
Emerald: 5%
Diamond: 7%
Crimson: 10%
  Network Gym Access
Network Gym Access Jade: 
Beryl: 
Ruby: 
Sapphire: 
Emerald: 
Diamond: 
Crimson: 
  Covid Home Care Kit – up to limit on the plan
Covid Home Care Kit – up to limit on the plan Jade: 
Beryl: 
Ruby: 
Sapphire: 
Emerald: 
Diamond: 
Crimson: 
  SECOND OPINION ABROAD
SECOND OPINION ABROAD        
  SECOND OPINION ABROAD
SECOND OPINION ABROAD Jade: 
Beryl: 
Ruby: 
Sapphire: 
Emerald: 
Diamond: 
Crimson: 
  MORTUARY SERVICES
MORTUARY SERVICES        
  MORTUARY SERVICES (For Family Only)
MORTUARY SERVICES (For Family Only) Jade: 
Beryl: 
Ruby: 
Sapphire: 
Emerald: 
Diamond: 
Crimson: 
  Additional Benefits – 3 months waiting period
Additional Benefits – 3 months waiting period        
  Term Life or Permanent Disability for Principal
Term Life or Permanent Disability for Principal Jade: 
Beryl:
 
N250,000
Ruby:
 
N250,000
Sapphire:
 
N500,000
Emerald:
 
N750,000
Diamond:
 
N1,000,000
Crimson:
 
N1,250,000
  Personal Accident Benefit – N250,000
Personal Accident Benefit – N250,000 Jade: 
Beryl: 
Ruby: 
Sapphire: 
Emerald: 
Diamond: 
Crimson: 
  Travel Insurance for principal – 10 days
Travel Insurance for principal – 10 days Jade: 
Beryl: 
Ruby: 
Sapphire: 
Emerald: 
Diamond: 
Crimson: 
Premium
      Most Popular  
  Jade
Beryl
Ruby
Sapphire
Emerald
Diamond
Crimson
  Benefit Sub-Categories
Benefit Sub-Categories        
  ANNUAL PREMIUM
ANNUAL PREMIUM        
  Annual Premium per individual
Annual Premium per individual Jade: ₦20,625
Beryl: ₦46,621
Ruby: ₦66,410
Sapphire: ₦83,682
Emerald: ₦128,425
Diamond: ₦237,772
Crimson: ₦389,025
  Family of 2
Family of 2 Jade: ₦39,825
Beryl: ₦89,097
Ruby: ₦127,884
Sapphire: ₦160,057
Emerald: ₦236,273
Diamond: ₦448,913
Crimson: ₦744,025
  Family of 3
Family of 3 Jade: ₦59,125
Beryl: ₦131,795
Ruby: ₦189,677
Sapphire: ₦236,829
Emerald: ₦349,709
Diamond: ₦666,180
Crimson: ₦1,105,900
  Family of 4
Family of 4 Jade: ₦78,625
Beryl: ₦174,934
Ruby: ₦252,112
Sapphire: ₦314,397
Emerald: ₦464,320
Diamond: ₦885,698
Crimson: ₦1,471,525
  Family of 5
Family of 5 Jade: ₦97,625
Beryl: ₦216,968
Ruby: ₦312,945
Sapphire: ₦389,976
Emerald: ₦575,993
Diamond: ₦1,099,588
Crimson: ₦1,827,775
  Family of 6
Family of 6 Jade: ₦116,425
Beryl: ₦258,559
Ruby: ₦373,138
Sapphire: ₦464,760
Emerald: ₦686,490
Diamond: ₦1,311,226
Crimson: ₦2,180,275

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