Discover Insurance Plan

International consultation (Online & Telemedicine), opportunity for 2 instalment payments (80%-20%), simple hospital visits, accidents & emergency, chronic illnesses, mental health, outpatient care, admissions, surgeries, pre-existing conditions, preventive health, annual vital checks, essential dental and optical care, cancer care

Discovery Insurance Plan Benefits

  • General Consultation ***

    • Common Specialist Consultation - Cover for 6 visits/annum(Consultation with Gynaecologist, Dermatologist, Orthopaedic Surgeon, Cardiologist, Paediatrics, E.N.T surgeon)
    • Rare Specialist Consultation - Covered on referral only including Online consultation- 4 online consult/annum(Consultation with Nephrologist, Neuro Surgeon Urologist.
  • Drugs and medications for acute illness ***

    • 20% co-payment payment (Enrollee pays 20% on all drugs prescribed by the physician)
  • Prescription drugs for chronic illnesses (E.g Diabetes, Hypertension, TB, Sickle Cell, Arthritis, etc) ***

    • 50% co-payment payment (Enrollee pays 50% on drugs for chronic illnesses prescribed by the physician).
  • Laboratory & Diagnostics

    • Basic
  • X-Ray

    • Basic
  • Ultrasound Scan

    • Basic
  • Hospitalization ***

    • Standard ward • 3-4 bedded ward
  • Dental Care ***

    • Primary dental care - Covered for treatment with the Primary Care Provider
    • Dental Care. Visit to dentist (Scaling & Polishing) - covered within above limit
    • Non-surgical Dental Care (All dentist visits require appointment authorization).
  • Optical Care ***

    • Primary eye care - covered for treatment with PCP Provider
    • Visit to opticians Drugs/Eye Tests/Refraction/Lens & Frame/annum - covered within limit within network
  • Emergency ***

    • Accident/Emergency Stabilization - covered for 24hrs stabilization
    • Emergency road Ambulance Services
    • Intensive Care Unit
  • Surgeries ***

    • Minor (Primary suture, lipoma excision, ganglion excision, incision and drainage, keloid excision, minor burns, wound debridement etc.).
    • Intermediate--(Hernioraphy, colostomy, tenoplasty, diaphragmatic hernia repair, gastroenterostomy, splenorraphy etc.).
    • Major (Laparotomy, urethrectomy adrenalectomy etc.) Surgical appliances , e.g crutches, collars etc. - Covered within surgical limit post-surgery done within policy year
    All Pre-planned surgery before commencement of policy are not covered
  • Special Procedures ***

    • Blood Transfusion - Covered (up to 2 pints)
    • P.O.P - Covered (1 cast/annum)
    • Physiotherapy - Covered (3 sessions/annum)
    • HIV Counselling, testing and drugs from local centers - Covered in Govt. NACA Centers only
    • Dialysis -Cover 2 sessions
    • Cancer Therapy: oncology tests, drugs, chemotherapy - Cancer treatments
  • Extra Radiological ***

    • CT Scan, MRI - Covered (50% co-payment)
  • Preventive and promotive health ***

    • Adult wellness Check(Annually) - Physical Examination
    • Gym/Spa - Pay at up to 25% discounted rate within network
    • Nutritional and Weight Loss Consultation - Pay at up to 25% discounted rate within network
  • Health & Wellness management program

    • Health information
    • Monitoring of Chronic illnesses - Quarterly Hospital visit
    • Emotional and Behavioural Health - Online specialist consultation
    • Access to telemedicine - Access to online specialist consultation (International & Local)
  • Emotional and behavioral Health

    • Online specialist consultation (thrice per annum)
  • Health information

    • Quarterly
  • Monitoring of Chronic illnesses

    • Quarterly Hospital visit
  • Access to telemedicine

    • Access to 1 online specialist consultation (International & Local) (once per annum)

Get a Health Insurance Plan for 25,200 Naira per year!