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, antenatal & delivery, breast & cervical cancer treatment, etc.
Value Insurance Geriatric Plan Benefits
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General Consultation ***
• Common Specialist Consultation - Covered for 12 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
• Covered -
Prescription drugs for chronic illnesses (E.g Diabetes, Hypertension, TB, Sickle Cell, Arthritis, etc) ***
• 25% co-payment -
Laboratory & Diagnostics
• Basic -
X-Ray
• Basic -
Ultrasound Scan
• Basic -
Hospitalization ***
• Standard ward - Covered 42 hospital days
• 3-4 bedded ward
• Semi-Private /standard private Ward -
Dental Care ***
• Primary dental care.
• 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 • Primary eye care - covered for treatment with PCP Provider
• Visit to opticians Drugs/Eye Tests/Refraction/Lens & Frame/annum - covered within above limit -
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 (6 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 - 1 full payment per annum -
Immunization
• Basic (NPI) -
Preventive and promotive health ***
• Adult wellness Check(Annually). • 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 2 online specialist consultation (International & Local) (once per annum) -
International Benefit ***
• Treatment in Nigeria