Sapphire Senior's 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 Seniors Mini

Sapphire Seniors Midi

Sapphire Seniors Premium

Individual Premium(₦)/Annum 1

₦193128

₦388041

₦809151

Region of Cover

Local

Local

Local

Hospital Category

C-D

B-D

B-D 2

Inpatient Limit (₦)

1000000

1600000

3350000

Accidents & Emergencies: Resuscitative or lifesaving initial treatment

₦250,000

₦500,000

₦1,000,000

Accommodation (including feeding)

General Ward (30 Days/Annum)

Semi Private (30 Days/Annum)

Private Ward (30

Days/Annum)

Inpatient medication

√ (Up to Inpatient Limit)

√ (Up to Inpatient Limit)

√ (Up to Inpatient Limit)

Intensive Care Unit (ICU) & High Dependency Unit(HDU)

-

-

3 Days

Surgeries3

₦250,000

₦500,000

₦1,000,000

Outpatient Limit(₦)

350000

700000

1350000

Consultations

Hospital based consultations with General practice doctors and medical officers

√ (Up to Outpatient Limit)

√ (Up to Outpatient Limit)

√ (Up to Outpatient Limit)

Hospital based Consultations with specialists

√ (Up to 12 visits/Annum)

√ (Up to Outpatient Limit)

√ (Up to Outpatient Limit)

Doctor Home Visits4

Covered

Covered

Covered

Medications

Chronic Disease Medication | Outpatient Prescription Medicines

₦200,000

₦400,000

₦800,000

Diagnostics

Basic Diagnostic Tests5

√ (Up to Outpatient Limit)

√ (Up to Outpatient Limit)

√ (Up to Outpatient Limit)

Advanced & Complex Investigations(limited To CT Scan, MRI Scan and echocardiograph)

C.T/M.R.I Scan Only (1 session)

C.T/M.R.I Scan Only (4 sessions)

Covered (8 sessions)

Immunizations

Adult Immunizations

Hepatitis B, Yellow Fever

Meningitis, Yellow Fever,

Hepatitis B

Meningitis, Yellow Fever,

Hepatitis B

Ambulance Evacuation Services

Hospital to Hospital)

Covered

Covered

Covered

(Home to Hospital & Road Side to Hospital)

√ (4 Times Per Annum)

√ (4 Times Per Annum)

√ (4 Times Per Annum)

Other Benefits

Cancer Care

₦150,000

₦500,000

₦1,000,000

Death and Funeral Expenses6

-

₦100,000

₦100,000

Dental Care (relief of pain, fillings, nonsurgical, extractions, preventive care, scaling and polishing, Dental Surgical Extraction & RootCanal Therapy, Dental Prosthetics)

₦30,000

₦50,000

₦80,000

Health Checks7

Limited to: Basic (Physical, BP, Urinalysis ), Blood Sugar, ECG, PCV, Liver function Test, Lipid Profile And Pap's Smear, Prostate Specific Antigen,

Mammography

Limited to: Basic (Physical, BP, Urinalysis ), Blood Sugar, ECG, PCV, Lipid Profile And Pap's Smear, Prostate Specific, Liver function Test, Antigen,

Mammography

Limited to: Basic (Physical, BP, Urinalysis ), Blood Sugar,

PCV, Lipid Profile, ECG, Pap's Smear, Prostate Specific Antigen, Mammography,

Liver function Test

Kidney Dialysis

-

-

Covered - 3 Sessions

Optical Care8

₦30,000

₦50,000

₦80,000

Physiotherapy

₦30,000

₦30,000

₦60,000

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