Sapphire Individual Health Plans +
Personalised Telehealth Benefit

Access quality care from our HMO partners plus telehealth benefits
that gives you access to providers in the U.S, U.K, Canada, Asia, and Africa.

   

Plans

Sapphire Basic Plan

₦75,768

Sapphire Plus Plan

₦166,956

Sapphire Special Plan

₦395,484

Individual Premium/Annum (₦)1

Family Premium/Annum (₦)1

Region of Cover

Local

Local

Local

Hospital Category

C-D

B-D

B-D2

Inpatient Limit (₦)

350,000

500,000

600,000

Accidents & Emergencies: Resuscitative or lifesaving initial treatment

₦150,000

₦200,000

₦ 250,000

Accommodation (including feeding)

General Ward (15 Days/Annum)

General Ward (15 Days/Annum)

Semi Private Ward (20 Days/Annum)

Inpatient medication

₦ (Up to Inpatient Limit)

₦ (Up to Inpatient Limit)

√(Up to Inpatient Limit)

Surgeries2

₦ 150,000

Surgeries3

₦ 200,000

₦250,000

Outpatient Limit(₦)

100,000

200,000

250,000

Consultations

Hospital based consultations and follow up with General practice doctors and medical officers

√(Up to Outpatient Limit)

√(Up to Outpatient Limit)

√(Up to Outpatient Limit)

Hospital based Consultations and follow up with specialists

√(Up to 12 visits/Annum)

√ (Up to 12 visits/Annum)

√ (Up to 12 visits/Annum)

Telemedicine3

Unlimited 24/7

Telemedicine4

Unlimited 24/7

Unlimited 24/7

Medications

Chronic Disease Medication/Outpatient Prescription Medicines

₦ 50,000

₦ 85,000

₦100,000

Diagnostics

Basic Diagnostic Tests4

√ (Up to Outpatient Limit)

Basic Diagnostic Tests5

√ (Up to Outpatient Limit)

√ (Up to Outpatient Limit)

Immunizations

NPI Immunizations for 0-5years

BCG, Measles, DPT, Oral polio, IPV, Vitamin A supplementation, Pentavalent vaccine

BCG, Measles, DPT, Oral polio, IPV, Vitamin A supplementation, Pentavalent vaccine

BCG, Measles, DPT, Oral polio, IPV, Vitamin A supplementation, Pentavalent vaccine

Additional Immunizations for 0-5 years

Hepatitis B, HiB, Yellow Fever

Hepatitis B, Hib, Chicken Pox, MMR, Pneumococcal, Rotavirus, Yellow Fever

Hepatitis B, Hib, Chicken Pox, MMR, Pneumococcal, Rotavirus, Yellow Fever

Additional Immunizations for 6yrs and above

Hepatitis B, Yellow Fever

Hepatitis B, Yellow Fever

Hepatitis B, Yellow Fever

Advanced & Complex Investigations(Limited To CT Scan and MRI Scan)

Once per annum

Twice per annum

Maternity and Neo-natal Services

Antenatal Care + Normal Delivery+ Postnatal Care (6 Weeks) + Neonatal Care Services (Male circumcision, Ear piercing)

₦100,000

₦150,000

Ambulance Evacuation Services

Hospital to Hospital

Covered

Covered

Covered

Home/Road Side to Hospital

√(4 Times Per Annum)

√(4 Times Per Annum)

Other Benefits

Critical Illness + Death Cover5

₦100,000

Critical Illness + Death Cover6

₦ 250,000

₦ 400,000

Dental Care

Relief of pain, Composite & Amalgam Fillings, Non-surgical extractions, Scaling and Polishing (₦ 10,000 per annum)

Relief of pain, fillings, Non- surgical extractions, preventive care, scaling and polishing, Dental Surgical Extraction (₦20,000 per annum)

Relief of pain, fillings, Non- surgical extractions, preventive care, scaling and polishing, Dental Surgical Extraction (₦40,000 per annum)

Family Planning Services

IUCDs,Pills & Injectibles

IUCDs,Pills & Injectibles

Ear, Nose and Throat care (Treatment of Acute Diseases Only)

₦ 10,000

Mortuary Services (Cleaning, Embalmment, Storage, Autopsy)

₦ 50,000

₦50,000

₦50,000

Optical care: Eye testing, Treatment of acute eye diseases

₦ 10,000

₦ 20,000

₦ 40,000

Physiotherapy

₦ 20,000

₦ 20,000

₦ 40,000

Teleheath Benefit

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

Exclusions

Management of Chronic Diseases including but not limited to consultation, prescription drugs and laboratory tests
Learn More

Telehealth Exclusions

Other investigations and treatment for problems relating to infertility e.g. hydrotubation, hysterosalpingogram, I.V.F, G.I.F.T and artificial insemination.
Learn More