Emerald Retail/SME Plans +
Personalised Telehealth Benefit
Get HMO plans from ₦44,250 /annually.
Emerald Access | Emerald Basic | Emerald COMPACT | Emerald KLASSIC | Emerald ULTRA | Emerald DELUXE | Emerald ROYAL | |
|---|---|---|---|---|---|---|---|
REGION OF COVER | Nigeria | Nigeria | Nigeria | Nigeria | Nigeria | Nigeria | Nigeria |
PROVIDER TYPE | Standard Network | Standard Network | Standard Network | Standard Network | Standard Network | Enhanced Network | Enhanced Network |
PREMIUM PER PERSON Per Annum | N44250 | N46500 | N60000 | N64500 | N75300 | N145500 | N200400 |
PREMIUM PER PERSON Per Month | |||||||
PREMIUM PER FAMILY Per Annum (Maximum of 4 children under 21 years of age) | N87000 | N100500 | N154500 | N175200 | N213000 | N456000 | N663000 |
PREMIUM PER FAMILY Per Month (Maximum of 4 children under 21 years of age) | |||||||
OUT-PATIENT BENEFIT | |||||||
GP Consultations at chosen accredited primary care provider including investigations, Basic Imaging (X Ray & USS) nursing care and prescribed medications | Covered | Covered | Covered | Covered | Covered | Covered | Covered |
Acute care benefits including out-of-network care | Not Covered | Not Covered | Covered | Covered | Covered | Covered | Covered |
Minor Surgeries | Covered | Covered | Covered | Covered | Covered | Covered | Covered |
Annual physical in your doctor room | Not Covered | Not Covered | Covered | Covered | Covered | Covered | Covered |
SPECIALIST CONSULTATION | |||||||
Consultation with common specialist (Gynaecologist, Obstetrician, General Surgeon, Peadeatrician, ENT Surgeon, Family Physician, Cardiologist) | Not Covered | up to 2 visits Per Annum | Covered up to 2 visits Per Annum | Covered up to 3 visits Per Annum | Covered up to 4 visits Per Annum | Covered up to 5 visits Per Annum | Covered up to 6 visits Per Annum |
Consultation with Rare Specialists- Neurosurgion,Endocrinologist, Rheumatologist, Nephrologist etc | Not Covered | Not Covered | Not Covered | Covered up to 3 visits Per Annum | Covered up to 4 visits Per Annum | Covered up to 5 visits Per Annum | Covered up to 6 visits Per Annum |
CHRONIC DISEASE MANAGEMENT | |||||||
Prescribed Medications (after 12mths on the scheme) | Not Covered | Not Covered | Up to N20,000 Per Annum | Up to N25,000 Per Annum | Up to N40,000 Per Annum | Up to N60,000 Per Annum | Up to N70,000 Per Annum |
PREVENTIVE & HEALTH PROMOTION BENEFIT | |||||||
Routine medical Screening | Not Covered | Not Covered | Not Covered | Not Covered | Covered | Covered | Covered |
Comprehensive Annual Medical screening at designated facilities: | Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | Covered |
UNDER FIVE IMMUNIZATION BENEFIT | |||||||
NPI-approved Immunization limited to BCG, OPV, Hepatitis B, DPT, Heamophillus Influenza B, Measles, Yellow Fever | Covered | Covered | Covered | Covered | Covered | Covered | Covered |
Non-NPI Immunization limited to Rotavirus, Pneumococcal, Chicken Pox, Typhoid Fever, Meningitis | Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | Covered | Covered |
MAJOR DISEASE CONDITION BENEFITS | |||||||
Surgical Procedures (Intermediate & Major) | Not Covered | Up to N40,000 Limit Per Annum | Up to N50,000 Limit Per Annum | Up to N80,000 Limit Per Annum | Up to N120,000 Limit Per Annum | Up to N150,000 Limit Per Annum | Up to N200,000 Limit Per Annum |
Cancer care Limit Per Annumed to diagnosis, radiotherapy & chemotherapy | Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | Up to N100,000 Limit Per Annum |
REPRODUCTIVE HEALTH BENEFIT | |||||||
Family Planning including IUCDS, Injectables, Oral Contraceptives, Norplant (after 12mths on the scheme) | Not Covered | Not Covered | Up to N5,000 Per Annum | Up to N10,000 Per Annum | Up to N15,000 Per Annum | Up to N20,000 Per Annum | Up to N50,000 Per Annum |
Infertility Limit Per Annumed to diagnosis & prescribed medications | Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | Up to N50,000 Per Annum | Up to N100,000 Per Annum |
MATERNITY BENEFITS: (Family Plan holders only after 12mths) | |||||||
Ante-natal care at registered network provider | Not Covered | Up to N30,000 Limit Per Annum | Up to N50,000 Limit Per Annum | Up to N80,000 Limit Per Annum | Up to N100,000 Limit Per Annum | Up to N120,000 Limit Per Annum | Up to N150,000 Limit Per Annum |
Normal Delivery including Post-Partum Care | Not Covered | Up to N30,000 Limit Per Annum | Up to N50,000 Limit Per Annum | Up to N80,000 Limit Per Annum | Up to N100,000 Limit Per Annum | Up to N120,000 Limit Per Annum | Up to N150,000 Limit Per Annum |
Operative Delivery including Post-partum care | Not Covered | Up to N30,000 Limit Per Annum | Up to N50,000 Limit Per Annum | Up to N80,000 Limit Per Annum | Up to N100,000 Limit Per Annum | Up to N120,000 Limit Per Annum | Up to N150,000 Limit Per Annum |
Medical Conditions during Pregnancy | Not Covered | Covered | Covered | Covered | Covered | Covered | Covered |
Complications from Pregnancy & Childbirth | Not Covered | Covered | Covered | Covered | Covered | Covered | Covered |
IN-PATIENT BENEFIT | |||||||
Ward admission & Feeding | Standard Ward up to 24hrs Per Annum | Standard Ward up to 5 days Per Annum | Standard Ward up to 10 days Per Annum | Semi-Private Ward up to 10 days Per Annum | Private Ward up to 15 days Per Annum | Private ward up to 18 days Per Annum | Private ward up to 22 days Per Annum |
Laboratory investigations, Nursing care, dressing & prescribed medications | Covered | Covered | Covered | Covered | Covered | Covered | Covered |
Specialist Review | Not Covered | Covered up to specialist consult Limit Per Annum stated above | Covered up to specialist consult Limit Per Annum stated above | Covered up to specialist consult Limit Per Annum stated above | Covered up to specialist consult Limit Per Annum stated above | Covered up to specialist consult Limit Per Annum stated above | Covered up to specialist consult Limit Per Annum stated above |
PAEDIATRIC CARE (FAMILY PLAN HOLDER ONLY) | |||||||
Consultation with Neonatologist & Peadeatrician | Not Covered | Not Covered | Not Covered | Covered up to 2 consults max | Covered up to 2 consults max | Covered up to 2 consults max | Covered up to 2 consults max |
Neonatal care including Phototherapy & Incubator care | Not Covered | Not Covered | Not Covered | Up to 24hrs Per Annum | Up to 24hrs Per Annum | Up to 48hrs Per Annum | Up to 48hrs Per Annum |
Exchange blood transfusion | Not Covered | Not Covered | Not Covered | covered up to N25,000 | covered up to N35,000 | covered up to N50,000 | covered up to N70,000 |
ACCIDENT & EMERGENCY BENEFIT | |||||||
Nationwide Emergency evacuation, Emergency room care including consultations, investigations, surgical intervention & prescribed medications to stabilize patient in Emergency room only | Not Covered | Up to N30,000 Limit Per Annum | Up to N50,000 Limit Per Annum | Up to N60,000 Limit Per Annum | Up to N80,00 Limit Per Annum | Up to N100,000 Limit Per Annum | Up to N120,000 Limit Per Annum |
EYE CARE BENEFIT | |||||||
Treatment of minor eye ailments:Conjunctivitis, Simple contusion, abrasions, foreign bodies, | Covered | Covered | Covered | covered | covered | covered | covered |
Consultation with Optician including test, Lens & Prescribed Medications | Not Covered | Not Covered | Up to N3,500 Limit Per Annum | Up to N5,500 Limit Per Annum | Up to N7,500 Limit Per Annum | Up to N10,000 Limit Per Annum | Up to N15,000 Limit Per Annum |
DENTAL CARE BENEFIT | |||||||
Basic dental care Limit Per Annumed to GP consult and pain relief | Covered | Covered | Covered | covered | covered | covered | covered |
Consultation with Dentist including Dental investigations, pain therapy, simple & surgical extraction, Amalgam filling, Root canal treatment, Gingival treatment & crowning only | Not Covered | Not Covered | Up to N6,000 Per Annum | Up to N8,000 Per Annum | Up to 10,000 Per Annum | Up to N15,000 Limit Per Annum | Up to N20,000 Limit Per Annum |
ADDITIONAL BENEFITS | |||||||
Physiotherapy | Not Covered | Not Covered | 3 Sessions Per Annum | 5 Sessions Per Annum | 7 Sessions Per Annum | 10 sessions Per Annum | 15 sessions Per Annum |
Psychiatry assessment & treatment of acute phase up to 2 weeks | Not Covered | Not Covered | Covered | Covered | Covered | Covered | Covered |
HIV/AIDS Treatment at designated centres | Not Covered | Not Covered | Covered | Covered | Covered | Covered | Covered |
Specialized Laboratory Studies like Hormonal Assays, D-dimers, Cardiac Enzymes etc | Not Covered | Not Covered | Not Covered | Covered | Covered | Covered | Covered |
Specialized Imaging Studies echocardiogram, IVU, Contrast studies, Doppler Scan etc | Not Covered | Not Covered | Not Covered | Not Covered | Covered | Covered | Covered |
Advanced Radiological Studies CT scan or MRI (once annually) | Not Covered | Not Covered | Not Covered | Not Covered | Limit Per Annumed to CT-Scan | Covered | Covered |
Telemedicine | Covered | Covered | Covered | Covered | Covered | Covered | Covered |
Overall Limit Per Annum Per Individual | 145,000 | 323,750 | 350,000 | 600,000 | 770,000 | 1,070,000 | |
Financial Limit Per Annum per Family | 361,000 | 809,375.00 | 875,000 | 1,497,000 | 1,925,000 | 2670000 |