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 
               
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
               
HOSPITAL NETWORKS              
Hospital Category Accessible

Jade
hospitals

Beryl
hospitals

Ruby
hospitals

Sapphirre
hospitals

Emerald
hospitals

Diamond
hospitals

Crimson
hospitals

               
SPECIALIST CONSULTATION: This includes all specialist fees. The list of diagnosis under this plan is exhaustive              
O and G specialist ü ü ü ü ü ü ü
General Surgeon ü ü ü ü ü ü ü
Cardiologist ü ü ü ü ü ü ü
Pediatrician ü ü ü ü ü ü ü
Pediatric surgeon ü ü ü ü ü ü ü
Dermatology  ü ü ü ü ü ü ü
Endocrinology ü ü ü ü ü ü ü
Hematology  ü ü ü ü ü ü ü
cardiothoracic surgeon  ü ü ü ü ü ü ü
ENT Surgeon ü ü ü ü ü ü ü
Urologist ü ü ü ü ü ü ü
Orthopaedic Surgeon ü ü ü ü ü ü ü
Gastroenterologist ü ü ü ü ü ü ü
Psychiatrist ü ü ü ü ü ü ü
Neonatologist ü ü ü ü ü ü ü
Screening and Diagnostics
Benefit Sub-Categories Jade Beryl Ruby Sapphire Emerald Diamond Crimson
Laboratory              
Chest X-Rays ü ü ü ü ü ü ü
Plain Abdominal X-Rays ü ü ü ü ü ü ü
Limbs X-Rays ü ü ü ü ü ü ü
Neck X-Rays ü ü ü ü ü ü ü
Skull X-Rays ü ü ü ü ü ü ü
Lumbosacral X-Rays ü ü ü ü ü ü ü
X-Rays of Body Joints ü ü ü ü ü ü ü
Ultrasound Scan ü ü ü ü ü ü ü
Haematological tests ü ü ü ü ü ü ü
Haemoglobin ü ü ü ü ü ü ü
Packed Cell Volume ü ü ü ü ü ü ü
White cell differential count ü ü ü ü ü ü ü
Full Blood Count and differentials ü ü ü ü ü ü ü
White Blood Cell count ü ü ü ü ü ü ü
Red Blood Cell count ü ü ü ü ü ü ü
               
ADVANCED &
COMPLEX INVESTIGATIONS
             
CT, Scan, MRI Scan
and echocardiograph
û û û CT scan only ü ü ü
               
CHEMISTRY              
Fasting Blood Sugar ü ü ü ü ü ü ü
Random Blood Sugar ü ü ü ü ü ü ü
Electrolyte,
Urea and Creatinine
ü ü ü ü ü ü ü
Prostate Specific Antigen ü ü ü ü ü ü ü
Serum albumin ü ü ü ü ü ü ü
Serum ALT/SGPT ü ü ü ü ü ü ü
Serum AST/SGOT ü ü ü ü ü ü ü
Serum Bilirubin
(Direct and Indirect)
ü ü ü ü ü ü ü
Microbiology ü ü ü ü ü ü ü
Malaria Parasite ü ü ü ü ü ü ü
Widal ü ü ü ü ü ü ü
Urine MCS ü ü ü ü ü ü ü
Stool MCS ü ü ü ü ü ü ü
Serology  ü ü ü ü ü ü ü
Hepatitis B Screening  ü ü ü ü ü ü ü
HIV Screening  ü ü ü ü ü ü ü
Genotype  ü ü ü ü ü ü ü
Blood group  ü ü ü ü ü ü ü
Admission and Accommodation
Benefit Sub-Categories Jade Beryl Ruby Sapphire Emerald Diamond Crimson
ADMISSIONS AND
ACCOMMODATION
             
Limits per plan  N100,000  N200,000  N300,000  N400,000  N500,000  N650,000 800,000
Accommodation Type General
ward
General ward General ward Semi – private Semi –
private
Private Private
Accommodation
including nursing care
and consumables 
 3 days  5 days  7  days  15 days  20 days  25  days  30  days
Feeding on admission  ü ü ü ü ü ü ü
Accommodation for
parents whose infants
are on admission 
û 1 day 2 days 3 days 3 days 5 days 7 days
Inpatient /Hospitalization
Benefit Abroad
û û û û û û û
               
INTENSIVE CARE UNIT              
No of days applicable
on the plan
û û 1 day 2 days 3 days  5days 7 days
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
û û û û  3 days   5 days  10 days
Congenital anomaly
treatment
(for children born on the plan).
Limits per plan
û û û û  N100,000  N200,000  N300,000
               
IMMUNIZATIONS
(0-5 YEARS) Adults (5 – 18 )
             
BCG ü ü ü ü ü ü ü
OPV ü ü ü ü ü ü ü
PENTAVALENT ü ü ü ü ü ü ü
HBV ü ü ü ü ü ü ü
VITAMIN A ü ü ü ü ü ü ü
MEASLES ü ü ü ü ü ü ü
YELLOW FEVER ü ü ü ü ü ü ü
MENINGITIS VACCINE ü ü ü ü ü ü ü
MMR ü ü ü ü ü ü ü
IPV û û ü ü ü ü ü
ROTAVIRUS VACCINE û û û ü ü ü ü
PNEUMOCOCCAL
VACCINE
û û û ü ü ü ü
TYPHOID VACCINE û û û ü ü ü ü
HPV VACCINE û û û ü ü ü ü
               
OBSTETRICS AND
GYNAECOLOGY 
 N70,000  N200,000  N200,000  N300,000  N300,000  N350,000  N400,000
Antenatal care ü ü ü ü ü ü ü
Induction of labour
& Normal delivery
ü ü ü ü ü ü ü
Assisted delivery ü ü ü ü ü ü ü
Emergency or Elective
Caesarean Section
ü ü ü ü ü ü ü
Post Natal care –
6 weeks
ü ü ü ü ü ü ü
Family Planning Services –
Pills, Injectables,
Copper IUCD,
tubal ligation
and Vasectomy 
Only Pills &
IUCD
Only Pills & IUCD ü ü ü ü ü
Reimbursement for
delivery abroad,
limits per plan
û û û û Normal -$70,
CS- $100
Normal -$100,
CS- $150
Normal -$150,
CS- $250
Surgery, Dental, Eye, ENT, etc
Benefit Sub-Categories Jade Beryl Ruby Sapphire Emerald Diamond Crimson
ENT (Part of Surgical Limits)              
Treatment of ENT
diseases and removal of
foreign bodies
ü ü ü ü ü ü ü
ENT Surgeries –
(part of the surgical limit)
ü ü ü ü ü ü ü
               
DENTAL CARE  N10,000  N15,000  N25,000  N45,000  N75,000  N100,000  N150,000
Dental Consultation,
Imaging, Endodontic
treatment, Extraction
ü ü ü ü ü ü ü
Preventive Treatment:
Prophylaxis
ü ü ü ü ü ü ü
Gum Treatment & Surgeries,
Restorative Treatments
ü ü ü ü ü ü ü
Pharmacy: Prescribed Drugs ü ü ü ü ü ü ü
Orthodontic Treatment ü ü ü ü ü ü ü
               
EYE CARE               
Primary Eye Care- Consultation,
Examination, primary i
nfections, and Medications
ü ü ü ü ü ü ü
Eye Surgeries covered as
part of over all surgerical limit
ü ü ü ü ü ü ü
Biennial Optical Lenses
and Frames covered up
to 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
 5
sessions
 10
sessions
 15
sessions
 20
sessions
 25 
sessions
 30 
sessions
Specialist Consultation ü ü ü ü ü ü ü
Pain therapy ü ü ü ü ü ü ü
               
 Surgeries
(Minor, Intermediate and Major)
 N100,000  N200,000  N300,000  N400,000  N500,000  N750,000  N1,000,000
Chronic Treatments- Accident, Fertility, HIV, etc
Benefit Sub-Categories Jade Beryl Ruby Sapphire Emerald Diamond Crimson
FERTILITY SERVICES               
Consultation and basic
Investigations only,
limits per plan
 N10,000   N15,000    N25,000   N45,000  N75,000  N100,000  N200,000
               
HIV / AIDS TREATMENT
(at designated approved centres)
ü ü ü ü ü ü ü
               
CANCER CARE               
Consultation, Admission,
Counselling, Hospice Care,
Surgical – Chemotherapy –
Radiotherapy; limits per plan
û û û  N100,000  N200,000  N300,000  N500,000
               
RENAL CARE              
Dialysis sessions
limit per plans
û û û 2
sessions
3
sessions
3
sessions
5
sessions
               
CHRONIC DISEASE
MANAGEMENT / PHARMACY
BENEFIT 
             
Drug delivery and pick
up at partner pharmacies
û û û û  N50,000  N80,000  N100,000
Personal health equipment –
BP machine, Glucometer,
Trackers 
û û û û û ü ü
               
ACCIDENT AND
EMERGENCY CARE
 N100,000  N200,000  N300,000  N400,000  N500,000  N650,000 N800,000
Care for accident and
emergency cases,
Ambulance transfer from
roadside to hospital and
hospital to hospital 
ü ü ü ü ü ü ü
Stabilization, Emergency
drugs and Investigations
ü ü ü ü ü ü ü
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
ü ü ü ü ü ü ü
               
ANNUAL WELLNESS
SCREENING 
             
Physical examination ü ü ü ü ü ü ü
Visual Acuity  û ü ü ü ü ü ü
Blood pressure ü ü ü ü ü ü ü
Fasting Blood Sugar ü ü ü ü ü ü ü
Full blood count ü ü ü ü ü ü ü
Urinalysis  û û ü ü ü ü ü
serum cholesterol  û û ü ü ü ü ü
ALT / AST  û û û û ü ü ü
ECG û û û û ü ü ü
E/U/Cr û û û û ü ü ü
Breast scan,
cervical smears every
2 years for women > 35 years, 
û û û û û ü ü
PSA for men
above 40 yrs
û û û û û ü ü
               
LIFESTYLE MANAGEMENT               
Subsidized Fitness / nutritional
club membership
(for non-network gym) 
û û û û 5% 7% 10%
Network Gym Access  û û û û ü ü ü
Covid Home Care Kit û ü ü ü ü ü ü
               
SECOND OPINION ABROAD û û û û û û û
               
MORTUARY SERVICES 
FOR FAMILY
û û û û û û û
Premium
Benefit Sub-Categories Jade Beryl Ruby Sapphire Emerald Diamond Crimson
Annual premium per individual 27,500 60,838 88,048 109,391 161,631 309,577 515,625
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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