Sapphire SME 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 Starter

Sapphire Starter Premium

Individual Premium/Annum (₦)1

₦73,014

₦260,682

Region of Cover

Local

Local

Hospital Category

C-D

B-D2

Inpatient Limit (₦)

450000

500000

Accidents & Emergencies: Resuscitative or lifesaving initial treatment

₦200,000

₦250,000

Accommodation (including feeding)

General Ward (15 Days/Annum)

Semi Private Ward (20 Days/Annum)

Inpatient medication

√ (Up to Inpatient Limit)

√ (Up to Inpatient Limit)

Surgeries3

₦200,000

₦250,000

Outpatient Limit(₦)

170000

200000

Consultations

Hospital based consultations with General practice

doctors and medical officers

√ (Up to Outpatient Limit)

√ (Up to Outpatient Limit)

Hospital based Consultations with specialists

√ (Up to 12 visits/Annum)

√ (Up to 12 visits/Annum)

Medications

Chronic Disease Medication

-

₦100,000

Outpatient Prescription Medicines

₦80,000

₦100,000

Diagnostics

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

Additional Immunizations for 0-5 years

Hepatitis B, HIB, 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

Ambulance Evacuation Services

Home/Road Side to Hospital

√ (Hospital to Hospital Only)

√ (4 Times Per Annum)

Other Benefits

Critical Illness + Death Cover6

₦100,000

₦250,000

Dental Care

Relief of pain, Composite & Amalgam Fillings, Non-surgical extractions, Scaling and Polishing

(₦15,000 per annum)

Relief of pain, fillings, Non- surgical extractions, preventive care, scaling and polishing, Dental Surgical

Extraction (₦30,000 per annum)

Mortuary Services (Cleaning, Embalmment, Storage,

Autopsy)

₦50,000

₦50,000

Optical care: Eye testing, Treatment of acute eye

diseases.

₦15,000 Limit

₦30,000 Limit

Physiotherapy

₦20,000

₦30,000

Teleheath Benefit

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

B 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