The benefit of this plan ranges from simple hospital visits to very complex health needs e.g Accidents & emergency, outpatient care, admissions, surgeries, pre-existing conditions, immunizations, antenatal & delivery, breast & cervical cancer treatment, etc.
Standard Insurance Geriatric Plan Benefits
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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. Consultation with Nephrologist, Neuro Surgeon Urologist, Rheumatologist). -
Drugs and medications for acute illness ***
• 20% co-payment payment (Enrollee pays 20% on drugs for acute illnesses 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. -
Optical Care
• Primary eye care -
Emergency ***
• Accident/Emergency Stabilization - covered for 24hrs stabilization
• Emergency road Ambulance Services
• Intensive Care Unit -
Maternity Care ***
• Antenatal Care
• Medical expenses for delivery - Normal Delivery
• Post natal check-up, first 6wks
• Child Welfare Clinic Circumcision, ear piercing.
• Routine Neo-natal immunization (NPI)
• ***Preterm/premature babies
• Ceasarean section - Up to surgery limit ***
• Travel Care *** -
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.
All Pre-planned surgery before commencement of policy are not covered
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Special Procedures ***
• Blood Transfusion - Covered (up to 2 pints)
• P.O.P
• Physiotherapy - Covered (3 sessions/annum) limit N2,500/session
• 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) -
Immunization
• Basic (NPI) -
Preventive and promotive health
• Adult wellness Check(Annually). -
Health & Wellness management program
• Health information • Monitoring of Chronic illnesses. -
Health information
• Quarterly -
Monitoring of Chronic illnesses
• Quarterly Hospital visit