Consultation Coverage
Benefit Sub-Categories
OAK
BLOSSOM
GOLDEN
Region of cover
Nigeria
Nigeria
Nigeria
Inpatient Overall Limit
N800,000
N1,500,000
N2,000,000
Outpatient
N300,000
N500,000
N1,000,000
Hospital Category
Standard Network
Selected Networks
Exclusive Networks
Hospital Category
Standard Network
Selected Networks
Exclusive Networks
Screening and Diagnostics
Benefit Sub-Categories
OAK
BLOSSOM
GOLDEN
Outpatient Care Benefits
N300,000
N500,000
N1,000,000
General Consultations
Up to out patient limit
Up to out patient limit
Up to out patient limit
Specialist Consultations
Up to out patient limit
Up to out patient limit
Up to out patient limit
Telemedicine & Health Coach : Chat and consult online 24/7 with a doctor
Adult Immunizations (Yellow Fever, Hepatitis B & Meningitis Vaccine)
Ambulance & Emergencies (Hospital to Hospital) and (Home/ Road Side to Hospital)
1 per annum
2 times per annum
3 times per annum
Advanced & Complex Investigations (CT/MRI Scans)
N50,000
N75,000
N100,000
Dental Care
N30,000
N50,000
N80,000
Eye Care- Consultation, Examination, primary infections, and Medications
N40,000 (Lens N30,000)
N50,000 (Lens N35,000)
N80,000 (Lens N45,000)
ENT (Part of Surgical Limit)
Cancer Care: Surgical – Chemotherapy – Radiotherapy ( 10 months waiting period)
N150,000
N300,000
N500,000
Renal Dialysis ( 10 months waiting period)
2 session
3 sessions
5 sessions
Physiotheraphy Care
N30,000
N40,000
N50,000
Chronic Disease Management/Pharmacy Benefit
N150,000
N250,000
N350,000
Death & Funeral which is only by natural & accidental cause
N50,000
N75,000
N100,000
SPA- as applicable on the plan ( 9 months waiting period)
Body Massage/ 1 session per annnum
Body Massage/ 2 session per annnum
.
Chemistry/Heath Checks ( 3 months waiting period)
N75,000
N100,000
N150,000
Fasting Blood Sugar
Random Blood Sugar
Electrolyte, Urea and Creatinine
Prostate Specific Antigen
Serum albumin
Serum ALT/SGPT
Serum AST/SGOT
Serum Bilirubin (Direct and Indirect)
Microbiology
Malaria Parasite
Widal
Urine MCS
Stool MCS
Serology
Hepatitis B Screening
HIV Screening
Genotype
Blood group
PAP’s Smear
Mammogram
Basic Diagnostics
N50,000
N75,000
N120,000
Chest X-Rays
Plain Abdominal X-Rays
Limbs X-Rays
Neck X-Rays
Skull X-Rays
Lumbosacral X-Rays
X-Rays of Body Joints
Ultrasound Scan
Haematological tests
Haemoglobin
Packed Cell Volume
White cell differential count
Full Blood Count and differentials
White Blood Cell count
Red Blood Cell count
Admission and Accommodation
Benefit Sub-Categories
OAK
BLOSSOM
GOLDEN
Admission and Accommodations, including feeding
General ward
Semi- private ward
Private ward
Accommodation including nursing care and consumables
(15 days)
(20 days)
(30 days)
Inpatient medication
Intensive Care unit
1 day
2 days
3 days
.
Surgery, Dental, Eye, ENT, etc
Benefit Sub-Categories
OAK
BLOSSOM
GOLDEN
ENT (Part of Surgical Limit)
Dental Care
N30,000
N50,000
N80,000
Eye Care- Consultation, Examination, primary infections, and Medications
N40,000
N50,000
N80,000
Biennial Optical Lenses and Frames covered up to limit per plan
(Lens N30,000)
(Lens N35,000)
(Lens N45,000)
Physiotheraphy Care
N30,000
N40,000
N50,000
Surgeries includes minor, intermediate and major – (5 months waiting period)
N170,000
N280,000
N450,000
.
Chronic Treatments- Accident, Fertility, HIV, etc
Benefit Sub-Categories
OAK
BLOSSOM
GOLDEN
Cancer Care: Surgical – Chemotherapy – Radiotherapy ( 10 months waiting period)
N150,000
N300,000
N500,000
Renal Dialysis ( 10 months waiting period)
2 session
3 sessions
5 sessions
Chronic Disease Management/Pharmacy Benefit
N150,000
N250,000
N350,000
Accidents and Emergencies: Stabilization, Emergency drugs
N150,000
N300,000
N450,000
Ambulance & Emergencies (Hospital to Hospital) and (Home / Road Side to Hospital)
1 per annum
2 times per annum
3 times per annum
.
Preventive care, Mental Health & Wellness
Benefit Sub-Categories
OAK
BLOSSOM
GOLDEN
Telemedcine & Health Coach: Chat and cosusult online 24/7 with a doctor
Death & Funeral which is only by natural & accidental cause
N50,000
N75,000
N100,000
SPA- as applicable on the plan ( 9 months waiting period)
Body Massage/ 1 session per annnum
Body Massage/ 2 session per annnum
.
Premium
Benefit Sub-Categories
OAK
BLOSSOM
GOLDEN
Annual Premium
₦290,109
₦461,554
₦1,068,507
.
Consultation Coverage
| Most Popular | |||
|---|---|---|---|
| Oak | Blossom | Golden | |
| Sub- Categories | |||
| 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. | Up to Outpatient limit | Up to Outpatient limit | Up to Outpatient limit |
| HOSPITAL NETWORKS | |||
| HOSPITAL NETWORKS | |||
| Hospital Category Accessible | |||
| Hospital Category Accessible | Standard Network | Selected Networks | Exclusive Networks |
| COVER AND LIMIT | |||
| COVER AND LIMIT | |||
| Region of Cover | |||
| Region of Cover | Nigeria | Nigeria | Nigeria |
| Inpatient Overall Limit | |||
| Inpatient Overall Limit | ₦800,000 | ₦1,500,000 | ₦2,000,000 |
| Outpatient Overall Limit | |||
| Outpatient Overall Limit | ₦300,000 | ₦500,000 | ₦1,000,000 |
| SPECIALIST CONSULTATION | |||
| SPECIALIST CONSULTATION | |||
| Specialist Consultation – Outpatient Cases | |||
| Specialist Consultation – Outpatient Cases | Up to Outpatient limit | Up to Outpatient limit | Up to Outpatient limit |
Screening and Diagnostics
| Most Popular | |||
|---|---|---|---|
| Oak | Blossom | Golden | |
| Sub- Categories | |||
| Benefits | |||
| Adult Immunizations (Yellow Fever, Hepatitis B & Meningitis Vaccine) | |||
| COMPLEX INVESTIGATIONS | ✔ | ✔ | ✔ |
| Advanced & Complex Investigations (CT/MRI Scans) | |||
| CT, Scan, MRI Scan and echocardiograph | ₦50,000 | ₦75,000 | ₦100,000 |
| Chemistry/Heath Checks ( 3 months waiting period) | |||
| CHEMISTRY | N75,000 | N100,000 | N150,000 |
| Basic Diagnostics | |||
| Basic Diagnostics | N50,000 | N75,000 | N120,000 |
| Fasting Blood Sugar, Random Blood Sugar, Electrolyte, Urea and Creatinine, Prostate Specific Antigen, Serum albumin, Serum ALT/SGPT, Serum AST/SGOT, Serum Bilirubin (Direct and Indirect), Microbiology, Malaria Parasite, Widal, Urine MCS, Stool MCS, Serology, Hepatitis B Screening, HIV Screening, Genotype, Blood group, PAP's Smear, Mammogram, Chest X-Rays, Plain Abdominal X-Rays, Limbs X-Rays, Neck X-Rays Skull X-Rays, Lumbosacral X-Rays, X-Rays of Body Joints, Ultrasound Scan, Haematological tests, Haemoglobin, Packed Cell Volume White cell differential count, Full Blood Count and differentials, White Blood Cell count, Red Blood Cell count |
|||
| ✔ | ✔ | ✔ | |
| Annual Premium | |||
| Annual Premium | N159,000 | N285,000 | N570,550 |
Admission and Accommodation
| Most Popular | |||
|---|---|---|---|
| Oak | Blossom | Golden | |
| Sub- Categories | |||
| Benefits | |||
| ADMISSIONS AND ACCOMMODATION | |||
| ADMISSIONS AND ACCOMMODATION | |||
| Inpatient Medication | |||
| Inpatient Medication | ✔ | ✔ | ✔ |
| Accommodation Type(including feeding) | |||
| Accommodation Type | General Ward | Semi-private Ward | Private Ward |
| Accomodation including nursing care and consumables | |||
| Accomodation including nursing care and consumables | 15 days | 20 days | 30 days |
| Feeding on admission | |||
| Feeding on admission | ✔ | ✔ | ✔ |
| INTENSIVE CARE UNIT | |||
| INTENSIVE CARE UNIT | |||
| No of days applicable on the plan | |||
| No of days applicable on the plan | 1 day | 2 days | 3 days |
Surgery, Dental, Eye, ENT, etc
| Most Popular | |||
|---|---|---|---|
| Oak | Blossom | Golden | |
| Sub- Categories | |||
| Benefits | |||
| ENT | |||
| ENT | |||
| ENT Surgeries (Part of Surgical Limit) | |||
| ENT Surgeries (part of surgical limit) | ✔ | ✔ | ✔ |
| DENTAL CARE | |||
| DENTAL CARE | |||
| Dental Care | |||
| All dental care covered up to the limit per plan | ₦30,000 | ₦50,000 | ₦80,000 |
| EYE CARE | |||
| EYE CARE | |||
| Eye Care- Consultation, Examination, primary infections, and Medications | |||
| Primary Eye Care- Consultation, Examination, primary infections and Medications | ₦40,000 | ₦50,000 | ₦80,000 |
| Biennial Optical Lenses and Frames covered up to limit per plan | |||
| Biennial Optical Lenses and Frames covered up to limit per plan | (Lens N30,000) | (Lens N35,000) | (Lens N45,000) |
| PHYSIOTHERAPY CARE | |||
| PHYSIOTHERAPY CARE | |||
| Physiotherapy Care; limit per plan | ₦30,000 | ₦40,000 |
₦50,000 |
| SURGERY | |||
| SURGERY | |||
| Surgeries includes minor, intermediate and major – (5 months waiting period) | |||
| Surgeries includes minor, intermediate and major – (5 months waiting period) | ₦170,000 | ₦280,000 | ₦450,000 |
Chronic Treatments- Accident, Fertility, HIV, etc
| Most Popular | |||
|---|---|---|---|
| Oak | Blossom | Golden | |
| Sub- Categories | |||
| Benefits | |||
| CANCER CARE | |||
| CANCER CARE | |||
| Surgical – Chemotherapy – Radiotherapy; limits per plan (10 months waiting period) | |||
| Surgical – Chemotherapy – Radiotherapy; limits per plan (10 months waiting period) | ₦150,000 | ₦300,000 | ₦500,000 |
| RENAL CARE | |||
| RENAL CARE | |||
| Dialysis sessions limit per plans (10 months waiting period) | |||
| Dialysis sessions limit per plans (10 months waiting period) | 2 session | 3 sessions | 5 sessions |
| CHRONIC DISEASE MANAGEMENT / PHARMACY BENEFIT | |||
| CHRONIC DISEASE MANAGEMENT / PHARMACY BENEFIT | |||
| Chronic Disease Management/ Pharmacy Benefit; Limit per plan | |||
| Chronic Disease Management/ Pharmacy Benefit; Limit per plan | ₦150,000 | ₦250,000 | ₦350,000 |
| Accidents and Emergencies : Stabilization, Emergency drugs | |||
| Accidents and Emergencies : Stabilization, Emergency drugs | ₦150,000 | ₦300,000 | ₦450,000 |
| Ambulance & Emergencies (Hospital to Hospital) and (Home/ Road Side to Hospital) | |||
| Ambulance & Emergencies (Hospital to Hospital) and (Home/ Road Side to Hospital) | 1 per annum | 2 times per annum | 3 times per annum |
Preventive care, Mental Health & Wellness
| Most Popular | |||
|---|---|---|---|
| Oak | Blossom | Golden | |
| Sub- Categories | |||
| Benefits | |||
| TELEMEDICINE | |||
| TELEMEDICINE | |||
| Telemedcine & Health Coach : Chat and cosusult online 24/7 with a doctor | |||
| Telemedicine app – chat with a doctor consultation online 24/7 | ✔ | ✔ | ✔ |
| DEATH BENEFIT | |||
| DEATH BENEFIT | |||
| Death & Funeral which is only by natural & accidental cause | |||
| Death & Funeral which is only by natural & accidental cause | ₦50,000 | ₦75,000 | ₦100,000 |
| SPA | |||
| SPA | |||
| SPA – as applicable on the plan (9 months waiting period) | |||
| SPA – as applicable on the plan (9 months waiting period) | ✖ | Body Massage (1 session per annum) | Body Massage (2 sessions per annum) |
Premium
| Most Popular | |||
|---|---|---|---|
| Oak | Blossom | Golden | |
| Sub- Categories | |||
| Benefits | |||
| ANNUAL PREMIUM | |||
| ANNUAL PREMIUM | |||
| Annual Premium per individual | |||
| Annual Premium per individual | ₦290,109 | ₦461,554 | ₦1,068,507 |
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