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

.

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

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