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

Teleheath Benefit

Local consultation with General Practitioner or Follow-Up (Including 2nd opinions and diagnosis, prescriptions/ lab test/imaging test reviews)
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Telehealth Notes

Benefits are restricted to outpatient services only. These are any service or treatment that doesn't require hospitalisation.
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Telehealth Exclusions

Consultations with unrecognized consultants, hospitals, family doctors, therapists, or complementary medicines practitioners
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