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
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
₦30,628
₦67,753
₦98,054
₦160,679
₦218,367
₦344,757
₦574,219
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: ✔ |
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: ₦30,628
Beryl: ₦67,753 |
Ruby: ₦98,054
Sapphire: ₦160,679 |
Emerald: ₦218,367
Diamond: ₦344,757 |
Crimson: ₦574,219 |
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