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
               
ADDITIONAL BENEFITS – 3 months waiting period              
Term Life or Permanent Disability for Principal û N250,000 N250,000 N500,000 N750,000 N1,000,000 N1,250,000
Travel Insurance for principal – 10 days û û û û ü ü ü
Premium
Benefit Sub-Categories Jade Beryl Ruby Sapphire Emerald Diamond Crimson
Annual premium per individual N21,675 N46,621 N66,410 N83,682 N128,425 N237,772 N389,025
Family of 2 N40,875 N89,097 N127,884 N160,057 N236,273 N448,913 N744,025
Family of 3 N60,175 N131,795 N189,677 N236,829 N349,709 N666,180 N1,105,900
Family of 4 N79,675 N174,934 N252,112 N314,397 N464,320 N885,698 N1,471,525
Family of 5 N98,675 N216,968 N312,945 N389,976 N575,993 N1,099,588 N1,827,775
Family of 6 N117,475 N258,559 N373,138 N464,760 N686,490 N1,311,226 N2,180,275
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:
 N150,000

Beryl:
 N250,000

 Ruby:
 N250,000

Sapphire:
 N500,000

 Emerald:
 N750,000

Diamond:
 N1,000,000

 Crimson:
 N1,250,000
         
 
Travel Insurance for principal – 10 days 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: ₦21,675

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: ₦40,875

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: ₦60,175

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: ₦79,675

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: ₦98,675

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: ₦117,475

Beryl: ₦258,559

 Ruby: ₦373,138

Sapphire: ₦464,760

 Emerald: ₦686,490

Diamond: ₦1,311,226

 Crimson: ₦2,180,275
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