Health Insurance that’s
sweeter than you imagined

Q: Are pre-existing health conditions covered under the retail plans?

Yes , all pre-existing and chronic conditions are excluded from the policy in the first year however please refer to the terms and conditions on your policy document for full list of conditions.

Q: Can I pay my premium on a monthly basis?

No , premium are on annual basis.

Q: Can I add other people on my retail plan?

Yes , you may wish to add any number of dependents (within the age limit) on your plan at the cost of the chosen plan.

Q: Can I buy a retail plan for my family?

Yes , you may purchase the plan for your family.

Q: Can I register with more than one hospital?

Yes , enrollees have access to available hospitals on their plan type.

Q: Can I access a gym under my retail plan?

No , gym access is only available on group plans

Q: Does the retail plan provide coverage outside Nigeria?

Yes , for cases that cannot be properly managed in Nigeria, other regions of cover stated on the plan are accessible.

Cost effective and flexible healthcare that gives you peace of mind and access to the best of care without any hassles.

See Berry Plans See Seniors Plans See MRCare Plans

Now that You’re Here.
See Our Plans

Yes, the plans are as juicy as they sound. Specially designed to give you and/or your family a fantastic care experience no matter your needs.

StrawBerry

Nothing beats that amazing feeling when you get more for less. Sign up for a healthier and happier you.

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CranBerry

Experience quality health care and support when and where you need it with our Cranberry Plan

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BlueBerry

Let us protect you from unexpected, high medical costs. Pay-less to access high quality and premium health care

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BlackBerry

Your health is our priority. Subscribe to the Blackberry plan to enjoy flexible health plans with numerous benefits

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RaspBerry

Designed for people who want premium, world-class health care services; with a broad range of benefits.

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RaspBerry

Designed for people who want premium, world-class health care services; with a broad range of benefits.

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Senior Citizens

This plan is the best gift you can give yourself or anyone in their golden years. Covers Geriatric care and much more.

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Marcelle Ruth

Fight cancer, not finances. Plan covers diagnosis, treatment & recovery. Peace of mind, one plan at a time.

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Marcelle Ruth Platinum

Assured Care. unmatched cancer coverage. Focus on healing, leave the finances to us. Peace of mind included.

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Pricing & Benefits

No hidden costs, no surprises

Strawberry Cranberry Blueberry Blackberry Raspberry


Premium/Individual/Year	₦104,997.75	₦147,790.50	₦254,826.00	₦585,975.00	₦954,720
General Waiting Period	7 days	7 days	7 days	7 days	7 days
Region of Cover	Nigeria	Nigeria	Nigeria & India	Nigeria & India & Africa	Nigeria & India & Africa
Category Hospital Accessible (Refer to Hospital list please)	Category D hospitals	Category D hospitals	Category C + D hospitals	Category B + C + D hospitals	Category A + B + C + D hospitals
Telemedicine Services
Chat with Doctors and Nurses when in need of care during any medical emergency	Covered	Covered	Covered	Covered	Covered
Free chats with Doctors and Nurses when in need of any routine medical information	Covered	Covered	Covered	Covered	Covered
GPS-enabled access to hospital directories when hospital information is needed	Covered	Covered	Covered	Covered	Covered
Out-Patient Services
Out-patient Limit	₦150,000	₦250,000	₦300,000	₦500,000	₦500,000
Out-patient care, General & Specialist Consultation	Subject to Out-patient limit	Subject to Out-patient limit	Subject to Out-patient limit	Subject to Out-patient limit	Subject to Out-patient limit
X-Rays, Laboratory & Diagnostics Tests (Including Rest ECG)	Subject to Out-patient limit	Subject to Out-patient limit	Subject to Out-patient limit	Subject to Out-patient limit	Subject to Out-patient limit
Primary Eye Care Consultation, Examination, Simple or Primary Infection or conditions & Medications	Subject to Out-patient limit	Subject to Out-patient limit	Subject to Out-patient limit	Subject to Out-patient limit	Subject to Out-patient limit
ENT Services	Subject to Out-patient limit	Subject to Out-patient limit	Subject to Out-patient limit	Subject to Out-patient limit	Subject to Out-patient limit
Prescribed Medicines & Drugs (Non-Chronic)	Subject to Out-patient limit	Subject to Out-patient limit	Subject to Out-patient limit	Subject to Out-patient limit	Subject to Out-patient limit
Prescribed Medicines & Drugs (Non-Chronic)	₦50,000.00	₦75,000.00	₦100,000.00	₦150,000.00	₦200,000.00
Advanced & Complex Investigations (includingCT Scan, MRI Scan)	Emergency	Emergency	Emergency	Subject to Out-patient limit	Subject to Out-patient limit
In-Patient Services
In-patient Limit	₦350,000	₦500,000	₦750,000	₦2,000,000	₦2,000,000
In-Patient services (including feeding)	General Ward	Semi Private Ward	Private Ward	Private Ward	Private Ward
X-Rays, Laboratory & Diagnostic Tests	Subject to In-patient limit	Subject to In-patient limit	Subject to In-patient limit	Subject to In-patient limit	Subject to In-patient limit
Prescribed Medicines & Drugs (Non-Chronic)	Subject to In-patient limit	Subject to In-patient limit	Subject to In-patient limit	Subject to In-patient limit	Subject to In-patient limit
Physiotherapy Sessions (Up to approved limits)	₦10,000	₦20,000	₦30,000	₦40,000	₦40,000
Intensive Care Services (Not covered in the first policy year)	₦100,000	₦200,000	₦300,000	₦400,000	₦500,000
Advanced & Complex Investigations (includingCT Scan, MRI Scan)	Emergency	Emergency	Emergency	Emergency	Emergency
Surgical Services
Minor, Intermidiate, Major Surgeries & Procedures (Subject to the In-patient Limit and Not covered in the first 3 months)	Up to a limit of ₦250,000	Up to a limit of ₦300,000	Up to a limit of ₦400,000	Up to a limit of ₦1,000,000	Up to a limit of ₦1,000,000
Antenatal Services
Antenatal Care, Delivery (Vaginal, Caeserean Section, Assisted delivery & Postnatal care) (Not covered in the first policy year)	₦200,000	₦250,000	₦300,000	₦800,000	₦850,000
Dental
Primary Dental Care Secondary Dental Care	Covered up to ₦10,000	Covered up to ₦20,000	Covered up to ₦40,000	Covered up to ₦50,000	Covered up to ₦50,000
Optical
Eye Testing & Eye Care (Biennial Optical Lenses) Not covered in the first 3 months	Up to ₦7,500	Up to ₦10,000	Up to ₦15,000	Up to ₦25,000	Up to ₦25,000
OTOLARYNGOLOGICAL (Ear, nose & throat)
Treatment of ENT diseases & removal of foreign bodies	Covered	Covered	Covered	Covered	Covered
ENT Surgeries	As part of surgical limit	As part of surgical limit	As part of surgical limit	As part of surgical limit	As part of surgical limit
Other Benfits
Accidents & Emergencies	Covered	Covered	Covered	Covered	Covered
Evacuation (Home/Hospital to Hospital & Road Side to Hospital)	Covered	Covered	Covered	Covered	Covered
Routine Immunization (NPI) for 0-5yrs DPT,Hepatitis B, HiB (Pentavalent), BCG, Measles,Oral Polio, Vitamin A Supplementation	Covered	Covered	Covered	Covered	Covered
Additional Immunization for under 5 (Varicella,Rotarix, Pneumococcal, Meningococcal, Yellowfever, Hepatitis B, HiB, MMR & Typherix) atDesignated Centre	Subject to In-patient limit	Subject to In-patient limit	Subject to In-patient limit	Subject to In-patient limit	Subject to In-patient limit
Family Planning Services (Subject to Outpatientlimit)	Pills, Injectibles & Copper IUCDs	Pills, Injectibles & Copper IUCDs	Pills, Injectibles & Copper IUCDs, Tubal ligation (during CS) & Vasectomy	Pills, Injectibles & Copper IUCDs, Tubal ligation (during CS) & Vasectomy	Pills, Injectibles & Copper IUCDs, Tubal ligation (during CS) & Vasectomy
Fertility Services (Investigation only) Subject to the Out-patient Limit and Not covered in the first policy year	Counseling, SFA, USS (covered up to N20,000)	Counseling, SFA, USS, HSG (covered up to N25,000)	Counseling, SFA, USS, HSG, Hormonal Assay (covered up to N50,000)	Counseling, SFA, USS, HSG, Hormonal Assay, Hysteroscopy (up to N100,000)	Counseling, SFA, USS, HSG, Hormonal Assay, Hysteroscopy (up to N100,000)
Health Screening at Designated Centres (subject to Outpatient limit)	Age 22+/All gender: physical, BP, HIV, PCV(once every year)	Age 22+/All gender: physical, BP, HIV, Cholesterol, Blood sugar, PCV & Urinalysis (once every year)	Age 22+/All gender:physical, BP, HIV, Cholesterol, Blood sugar, PCV & Urinalysis (once every year)	Age 22+/All gender: physical, BP, HIV, Cholesterol, Blood sugar, PCV, Urinalysis, LFT,E/u/Cr & ECG (once every year)	Age 22+/All gender: physical, BP, HIV, Cholesterol, Blood sugar, PCV, Urinalysis, LFT,E/u/Cr & ECG (once every year)
	Age 40+/All gender: Blood sugar & Urinalysis(once every year)		Age 40+Males: PSA every 3 years Age 40+Females: Mammogram every 3 yrs	Age 30+Females: Pap Smear & physical breasts examination(every 3 years) Age 40+Males: PSA every 3 years Age 40+ Females: Mammogramevery 3 years	Age 30+Females: Pap Smear & physical breasts examination(every 3 years) Age 40+Males: PSA every 3 years Age 40+ Females: Mammogram every 3 years
HIV/AIDS- to the extent of Diagnosis + Treatmentat free specialist centres	Covered	Covered	Covered	Covered	Covered
Outpatient Psychiatry cover up to 8 weeks (Subject to the Out-patient Limit and Not covered in the first policy year)	Covered	Covered	Covered	Covered	Covered
Leadway Enrollee App	Covered	Covered	Covered	Covered	Covered

	Strawberry	Cranberry	Blueberry	Blackberry	Raspberry
Premium/Individual/Year	₦104,997.75	₦147,790.50	₦254,826.00	₦585,975.00	₦954,720.00
General Waiting Period	7 days	7 days	7 days	7 days	7 days
Region of Cover	Nigeria	Nigeria	Nigeria & India	Nigeria & India & Africa	Nigeria & India & Africa
Category Hospital Accessible (Refer to Hospital list please)	Category D hospitals	Category D hospitals	Category C + D hospitals	Category B + C + D hospitals	Category A + B + C + D hospitals
Telemedicine Services
Chat with Doctors and Nurses when in need of care during any medical emergency	Covered	Covered	Covered	Covered	Covered
Free chats with Doctors and Nurses when in need of any routine medical information	Covered	Covered	Covered	Covered	Covered
GPS-enabled access to hospital directories when hospital information is needed	Covered	Covered	Covered	Covered	Covered
Out-Patient Services
Out-patient Limit	₦150,000	₦250,000	₦300,000	₦500,000	₦500,000
Out-patient care, General & Specialist Consultation	Subject to Out-patient limit	Subject to Out-patient limit	Subject to Out-patient limit	Subject to Out-patient limit	Subject to Out-patient limit
X-Rays, Laboratory & Diagnostics Tests (Including Rest ECG)	Subject to Out-patient limit	Subject to Out-patient limit	Subject to Out-patient limit	Subject to Out-patient limit	Subject to Out-patient limit
Primary Eye Care Consultation, Examination, Simple or Primary Infection or conditions & Medications	Subject to Out-patient limit	Subject to Out-patient limit	Subject to Out-patient limit	Subject to Out-patient limit	Subject to Out-patient limit
ENT Services	Subject to Out-patient limit	Subject to Out-patient limit	Subject to Out-patient limit	Subject to Out-patient limit	Subject to Out-patient limit
Prescribed Medicines & Drugs (Non-Chronic)	Subject to Out-patient limit	Subject to Out-patient limit	Subject to Out-patient limit	Subject to Out-patient limit	Subject to Out-patient limit
Prescribed Medicines & Drugs (Chronic)	₦50,000	₦75,000	₦100,000	₦150,000	₦200,000
Advanced & Complex Investigations (includingCT Scan, MRI Scan)	Emergency	Emergency	Emergency	Subject to Out-patient limit	Subject to Out-patient limit
In-Patient Services
In-patient Limit	₦350,000	₦500,000	₦750,000	₦2,000,000	₦2,000,000
In-Patient services (including feeding)	General Ward	Semi Private Ward	Private Ward	Private Ward	Private Ward
X-Rays, Laboratory & Diagnostic Tests	Subject to In-patient limit	Subject to In-patient limit	Subject to In-patient limit	Subject to In-patient limit	Subject to In-patient limit
Prescribed Medicines & Drugs (Non-Chronic)	Subject to In-patient limit	Subject to In-patient limit	Subject to In-patient limit	Subject to In-patient limit	Subject to In-patient limit
Prescribed Medicines & Drugs (Non-Chronic)	₦50,000.00	₦75,000.00	₦100,000.00	₦150,000.00	₦200,000.00
Physiotherapy Sessions (Up to approved limits)	₦10,000	₦20,000	₦30,000	₦40,000	₦40,000
Intensive Care Services (Not covered in the first policy year)	₦100,000	₦200,000	₦300,000	₦400,000	₦500,000
Advanced & Complex Investigations (includingCT Scan, MRI Scan)	Emergency	Emergency	Emergency	Emergency	Emergency
Surgical Services
Minor, Intermidiate, Major Surgeries & Procedures (Subject to the In-patient Limit and Not covered in the first 3 months)	Up to a limit of ₦250,000	Up to a limit of ₦300,000	Up to a limit of ₦400,000	Up to a limit of ₦1,000,000	Up to a limit of ₦1,000,000
Antenatal Services
Antenatal Care, Delivery (Vaginal, CaesereanSection, Assisted delivery & Postnatal care) Not covered in the first policy year	₦200,000	₦250,000	₦300,000	₦800,000	₦850,000
Dental
Primary Dental Care Secondary Dental Care	Covered up to ₦10,000	Covered up to ₦20,000	Covered up to ₦40,000	Covered up to ₦50,000	Covered up to ₦50,000
Optical
Eye Testing & Eye Care (Biennial Optical Lenses) Not covered in the first 3 months	Up to ₦7,500	Up to ₦10,000	Up to ₦15,000	Up to ₦25,000	Up to ₦25,000
OTOLARYNGOLOGICAL (Ear, nose & throat)
Treatment of ENT diseases & removal of foreign bodies	Covered	Covered	Covered	Covered	Covered
ENT Surgeries	As part of surgical limit	As part of surgical limit	As part of surgical limit	As part of surgical limit	As part of surgical limit
Other Benfits
Accidents & Emergencies	Covered	Covered	Covered	Covered	Covered
Evacuation (Home/Hospital to Hospital & Road Side to Hospital)	Covered	Covered	Covered	Covered	Covered
Routine Immunization (NPI) for 0-5yrs DPT,Hepatitis B, HiB (Pentavalent), BCG, Measles,Oral Polio, Vitamin A Supplementation	Covered	Covered	Covered	Covered	Covered
Additional Immunization for under 5 (Varicella,Rotarix, Pneumococcal, Meningococcal, Yellowfever, Hepatitis B, HiB, MMR & Typherix) atDesignated Centre	Subject to In-patient limit	Subject to In-patient limit	Subject to In-patient limit	Subject to In-patient limit	Subject to In-patient limit
Family Planning Services (Subject to Outpatientlimit)	Pills, Injectibles & Copper IUCDs	Pills, Injectibles & Copper IUCDs	Pills, Injectibles & Copper IUCDs, Tubal ligation (during CS) & Vasectomy	Pills, Injectibles & Copper IUCDs, Tubal ligation (during CS) & Vasectomy	Pills, Injectibles & Copper IUCDs, Tubal ligation (during CS) & Vasectomy
Fertility Services (Investigation only) Subject to the Out-patient Limit and Not covered in the first policy year	Counseling, SFA, USS (covered up to N20,000)	Counseling, SFA, USS, HSG (covered up to N25,000)	Counseling, SFA, USS, HSG, Hormonal Assay (covered up to N50,000)	Counseling, SFA, USS, HSG, Hormonal Assay, Hysteroscopy (up to N100,000)	Counseling, SFA, USS, HSG, Hormonal Assay, Hysteroscopy (up to N100,000)
Health Screening at Designated Centres (subject to Outpatient limit)	Age 22+/All gender: physical, BP, HIV, PCV(once every year)	Age 22+/All gender: physical, BP, HIV, Cholesterol, Blood sugar, PCV & Urinalysis (once every year)	Age 22+/All gender:physical, BP, HIV, Cholesterol, Blood sugar, PCV & Urinalysis (once every year)	Age 22+/All gender: physical, BP, HIV, Cholesterol, Blood sugar, PCV, Urinalysis, LFT,E/u/Cr & ECG (once every year)	Age 22+/All gender: physical, BP, HIV, Cholesterol, Blood sugar, PCV, Urinalysis, LFT,E/u/Cr & ECG (once every year)
	Age 40+/All gender: Blood sugar & Urinalysis(once every year)	Age 22+/All gender: (Physical, BP, HIV, Cholesterol, Blood sugar, PCV, and Urinalysis) once every year	Age 40+Males: PSA every 3 yearsAge 40+Females: Mammogram every 3 yrs	Age 30+Females: Pap Smear & physical breasts examination(every 3 years) Age 40+Males: PSA every 3 years Age 40+ Females: Mammogramevery 3 years	Age 30+Females: Pap Smear & physical breasts examination(every 3 years) Age 40+Males: PSA every 3 years Age 40+ Females: Mammogram every 3 years
HIV/AIDS- to the extent of Diagnosis + Treatment at free specialist centres	Covered	Covered	Covered	Covered	Covered
Outpatient Psychiatry cover up to 8 weeks (Subject to the Out-patient Limit and Not covered in the first policy year)	Covered	Covered	Covered	Covered	Covered
Leadway Enrollee App	Covered	Covered	Covered	Covered	Covered

Senior Cranberry Senior Blueberry Senior Blackberry Senior Raspberry

	Senior Cranberry	Senior Blueberry	Senior Blackberry	Senior Raspberry
Premium(Age 55-69)	₦511,647.15	₦775,432.15	₦1,196,027.15	₦1,476,922.15
Premium(Age 70-79)	₦543,394.22	₦839,246.97	₦1,300,431.22	₦1,608,460.47
General Waiting Period	7 Days	7 Days	7 Days	7 Days
Region of Cover	Nigeria	Nigeria	Nigeria	Nigeria
Hopsital Network	Category D hospitals	Category D + C hospitals	Category D + C hospitals	Category D + C + B hospitals
In-patient Limit	₦500,000	₦650,000	₦1,500,000	₦2,000,000
Out-patient Limit	₦250,000	₦350,000	₦500,000	₦1,000,000
OutPatient Care
General Consultations	Unlimited	Unlimited	Unlimited	Unlimited
Specialist Consultations (Internal Medicine Generalist only)	Max of 3 per annum	Max of 5 per annum	Max of 7 per annum	Max of 10 per annum
Medication	Subject to outpatient limit	Subject to outpatient limit	Subject to outpatient limit	Subject to outpatient limit
Telemedicine Consultations	Unlimited	Unlimited	Unlimited	Unlimited
Basic Laboratory services based on the clinician -(FBC, PCV, HB, WBC, MP, Widal, Urinalysis, FBS, Stool Occult )	Subject to outpatient limit	Subject to outpatient limit	Subject to outpatient limit	Subject to outpatient limit
Treatment for common acute illnesses including: Malaria and other uncomplicated febrile illnesses, Diarrhoeal Diesases, Acute Respirationry Tract Infections, Uncomplicated pneumonia, simple anaemia not requiring blood transfusion, simple skin diseases, worm infestation, minor musculoskeletal ailments	Covered	Covered	Covered	Covered
Chronic Disease Management: Provides cover for the out- patient treatment of arthritis, asthma, hypertension and diabetes mellitus and osteoarthritis only.	Subject to outpatient limit	Subject to outpatient limit	Subject to outpatient limit	Subject to outpatient limit
Chronic Medicine Refill (Drugs to be supplied by the Pharmacy Benefit Management only)	₦400,000 per annum	₦500,000 per annum	₦750,000 per annum	₦1,000,000 per annum
Ear, Nose and Throat Care	Covered	Covered	Covered	Covered
Optical Care (Treatment of minor eye ailments including conjunctivitis, parasitic and allergic ailment)	Covered	Covered	Covered	Covered
Optical Care (Frames & lenses) every 2 years	₦10,000	₦25,000	₦35,000	₦45,000
Dental Care	₦20,000	₦30,000	₦40,000	₦50,000
Physiotherapy	Not Covered	₦10,000	₦30,000	₦50,000
InPatient Care
Accommodation (excluding feeding)	General ward (14 cumulative days per annum)	General ward (14 cumulative days per annum)	Semi-Private Ward	Private Ward
Accidents & Emergencies: Resuscitative or lifesaving initial treatment up to a maximum of the first 24 hours following an incident	₦50,000 per annum	₦75,000 per annum	₦100,000 per annum	₦150,000 per annum
Intensive Care Services	₦100,000	₦200,000	₦300,000	₦500,000
Surgeries limit (Not covered in the first 6 months)	₦100,000	₦150,000	₦200,000	₦300,000
Advanced & Complex Investigations (Not covered in the first 3 months)	₦50,000 per annum	₦75,000 per annum	₦100,000 per annum	₦150,000 per annum
Ambulance: Hospital to Hospital	Covered	Covered	Covered	Covered
Basic X-rays (Chest & Limbs only)	Max of 2 per year	Max of 3 per year	Max of 4 per year	Max of 6 per year
Major Disease: Oncology Tests, Drugs + Chemotherapy & Radiotherapy, Stroke etc. ( Only covered for enrollees newly diagnosed on the scheme after 12 months of enrolment)	Not covered	Covered up to 50% of in-patient limit	Covered up to 50% of in-patient limit	Covered up to 50% of in-patient limit
Adult Immunizations	Not covered	Not covered	Yellow fever, Yellow fever, meningitis, Hep B	Yellow fever, Yellow fever, meningitis, Hep B
Health Checks (once a year)	BP, FBS, BMI, Total Cholesterol, Urinalysis	BP, FBS, BMI, Total Cholesterol, Urinalysis	BP, FBS, BMI, Cholesterol, Urinalysis, PSA, Pap smear	BP, FBS, BMI, Cholesterol, Urinalysis, PSA, Pap smear, Mammogram (once every 3 years)
Kidney Dialysis	2 sessions	3 sessions	5 sessions	7 sessions

	Senior Cranberry	Senior Blueberry	Senior Blackberry	Senior Raspberry
Premium(Age 55-69)	₦511,647.15	₦775,432.15	₦1,196,027.15	₦1,476,922.15
Premium(Age 70-79)	₦543,394.22	₦839,246.97	₦1,300,431.22	₦1,608,460.47
General Waiting Period	7 Days	7 Days	7 Days	7 Days
Region of Cover	Nigeria	Nigeria	Nigeria	Nigeria
Hopsital Network	Category D hospitals	Category D + C hospitals	Category D + C hospitals	Category D + C + B hospitals
In-patient Limit	₦500,000	₦650,000	₦1,500,000	₦2,000,000
Out-patient Limit	₦250,000	₦350,000	₦500,000	₦1,000,000
OutPatient Care
General Consultations	Unlimited	Unlimited	Unlimited	Unlimited
Specialist Consultations (Internal Medicine Generalist only)	Max of 3 per annum	Max of 5 per annum	Max of 7 per annum	Max of 10 per annum
Medication	Subject to outpatient limit	Subject to outpatient limit	Subject to outpatient limit	Subject to outpatient limit
Telemedicine Consultations	Unlimited	Unlimited	Unlimited	Unlimited
Basic Laboratory services based on the clinician -(FBC, PCV, HB, WBC, MP, Widal, Urinalysis, FBS, Stool Occult )	Subject to outpatient limit	Subject to outpatient limit	Subject to outpatient limit	Subject to outpatient limit
Treatment for common acute illnesses including: Malaria and other uncomplicated febrile illnesses, Diarrhoeal Diesases, Acute Respirationry Tract Infections, Uncomplicated pneumonia, simple anaemia not requiring blood transfusion, simple skin diseases, worm infestation, minor musculoskeletal ailments	Covered	Covered	Covered	Covered
Chronic Disease Management: Provides cover for the out- patient treatment of arthritis, asthma, hypertension and diabetes mellitus and osteoarthritis only.	Subject to outpatient limit	Subject to outpatient limit	Subject to outpatient limit	Subject to outpatient limit
Chronic Medicine Refill (Drugs to be supplied by the Pharmacy Benefit Management only)	₦400,000 per annum	₦500,000 per annum	₦750,000 per annum	₦1,000,000 per annum
Ear, Nose and Throat Care	Covered	Covered	Covered	Covered
Optical Care (Treatment of minor eye ailments including conjunctivitis, parasitic and allergic ailment)	Covered	Covered	Covered	Covered
Optical Care (Frames & lenses) every 2 years	₦10,000	₦25,000	₦35,000	₦45,000
Dental Care	₦20,000	₦30,000	₦40,000	₦50,000
Physiotherapy	Not Covered	₦10,000	₦30,000	₦50,000
InPatient Care
Accommodation (excluding feeding)	General ward (14 cumulative days per annum)	General ward (14 cumulative days per annum)	Semi-Private Ward	Private Ward
Accidents & Emergencies: Resuscitative or lifesaving initial treatment up to a maximum of the first 24 hours following an incident	₦50,000 per annum	₦75,000 per annum	₦100,000 per annum	₦150,000 per annum
Intensive Care Services	₦100,000	₦200,000	₦300,000	₦500,000
Surgeries limit (Not covered in the first 6 months)	₦100,000	₦150,000	₦200,000	₦300,000
Advanced & Complex Investigations (Not covered in the first 3 months)	₦50,000 per annum	₦75,000 per annum	₦100,000 per annum	₦150,000 per annum
Ambulance: Hospital to Hospital	Covered	Covered	Covered	Covered
Basic X-rays (Chest & Limbs only)	Max of 2 per year	Max of 3 per year	Max of 4 per year	Max of 6 per year
Major Disease: Oncology Tests, Drugs + Chemotherapy & Radiotherapy, Stroke etc. ( Only covered for enrollees newly diagnosed on the scheme after 12 months of enrolment)	Not covered	Covered up to 50% of in-patient limit	Covered up to 50% of in-patient limit	Covered up to 50% of in-patient limit
Adult Immunizations	Not covered	Not covered	Yellow fever, Yellow fever, meningitis, Hep B	Yellow fever, Yellow fever, meningitis, Hep B
Health Checks (once a year)	BP, FBS, BMI, Total Cholesterol, Urinalysis	BP, FBS, BMI, Total Cholesterol, Urinalysis	BP, FBS, BMI, Cholesterol, Urinalysis, PSA, Pap smear	BP, FBS, BMI, Cholesterol, Urinalysis, PSA, Pap smear, Mammogram (once every 3 years)
Kidney Dialysis	2 sessions	3 sessions	5 sessions	7 sessions

MRCare MRCare Platinum

	MRCare	MRCare Platinum
Individual Premium	₦1,259,000	₦3,599,000
Territory	Local In-country + Africa + India + UAE	Local In-country + Africa + India + UAE + Europe
Provider Network	Category A+B+C+D	Category A`+A+B+C+D
Overall Limit (Millions)	Unlimited	Unlimited
Out-Patient Limit (Millions)	Unlimited	Unlimited
Day to Day Benefits (Out-Patient)	Treatment of conditions that do not require the patient to be admitted in the hospital
GP consultations within network	Covered	Covered
Specialist consultations within network	Covered	Covered
Telemedicine consultations	Covered	Covered
Prescribed Acute Medicines	Covered	Covered
Prescribed Chronic Medicines	Covered up to ₦500,000	Covered up to ₦1,200,000
Outpatient Psychiatry Care	Covered for 12 weeks per annum	Covered
TELEMEDICINE AND TELECONSULTATION	Remote/Virtual to doctors and other medical personnel
Chat with Doctors and Nurses when in need of care during any medical emergency	Covered	Covered
Free chats with Doctors and Nurses when in need of any routine medical information	Covered	Covered
GPS-enabled access to hospital directories when hospital information is needed	Covered	Covered
HOSPITALISATION BENEFITS	Including specialist consultations, theatre, accommodation, basic radiology, medication and pathology. Subject to pre- authorisation and clinical protocols
Admission	30 days per annum (Private Ward)	90 days per annum (Private Ward)
Accommodation for parent whose infant is on admission	7 days	14 days
Ambulance Services	Covered	Covered
Intensive Care ward within network	Covered up to ₦3,000,000	Covered up to ₦5,000,000
Psychiatric hospitalization	10 days per annum	21 days per annum
Major Diseases
Cancer limit(Subject to results of preliminary screening at the inception of the policy)	₦10,000,000 (Lifetime)	₦15,000,000 (Lifetime)
Other Major disease (i.e Kidney disease, auto-immune, sickle cell anaemia. Not covered in the first policy year)	Covered up to ₦1,000,000 per annum	Covered up to ₦2,000,000 per annum
Annual Medical Checkup
ROUTINE HEALTH CHECKS: Must be done at the inception of the plan (At a designated Centers). Subject to pre-authorisation	Age 22+/All Gender: Physical, BP, HIV, Cholesterol, Blood sugar, PCV, Urinalysis, LFT, E/u/Cr and ECG once every year; Age 30+ Females: Pap smear and physical breast examination, every 3 years. Age 40+ Males: PSA every 3 years	Age 22+/All Gender: Physical, BP, HIV, Cholesterol, Blood sugar, PCV, Urinalysis, LFT, E/u/Cr and ECG once every year; Age 30+ Females: Pap smear and physical breast examination, every 3 years. Age 40+ Males: PSA every 3 years.
Cancer markers screening (Female)	CEA, CA125, CA199, FIT, Mamography, HPV by PCR	CEA, CA125, CA199, FIT, Mamography, HPV by PCR
Cancer markers screening (Male)	CA199, PSA, FIT	CA199, PSA, FIT
Maternity (Not covered in the first policy year)	Including pre and post- natal care, childbirth by emergency or medically indicated elective C- section (subject to pre- authorization), maternity complications, ultrasound scans, ectopic pregnancies. Limits
Within Leadway Hospital Network (ANC, Maternity and Postcare)	Covered	Covered
Out of Network	ANC + Delivery - ₦175,000; CS Delivery - ₦350,000	ANC + Delivery - ₦350,000; CS Delivery - ₦500,000
Maternity complications	Covered	Covered
Neonatal care (including incubator)	28 days	28 days
Reimbursement for dleivery abroad	Covered up to ₦500,001	Covered up to ₦1,000,001
Family Planning	Pills, Injectibles, Copper IUCD, Vasectomy, Tubal Ligation (only during CS) and Norplant	Pills, Injectibles, Copper IUCD, Vasectomy, Tubal Ligation (only during CS) and Norplant
Male Circumcission and Female Ear Piercing	Covered	Covered
Congenital anomaly treatment (only on children born within the plan)	Covered up to ₦1,000,000 per annum	Covered up to ₦2,000,000 per annum
Immmunizations	Paid from mother’s benefit within the first 30 days of life, thereafter only covered if the baby is registered as an enrollee.
NPI Immunization for 0-5 year: BCG, Measles, DPT, Oral polio, Vitamin A supplementation, Pentavalent vaccine,Yellow Fever Measles, Hepatitis B, HIB	Covered	Covered
Additional Immunizations (For ages 0-5 years): Chickent Pox, MMR, Pneumococcal, Meningitis, vTyphoid, Rotavirus	Covered	Covered
Addition Immunization (above 6 - 17 years): Yellow Fever, Meningitis, Hepatitis B	Covered	Covered
Baby wellness programme	Covered	Covered
Surgeries
Minor, Intermediate, Major Surgeries & Tertiary Surgeries	Covered up to ₦2,000,000	Covered up to ₦3,000,000
Anaesthesia, Surgeon, Admission, Drugs, Surgical supplies/Consumables, administration of blood or blood products, etc	Covered up to ₦2,000,000	Covered up to ₦3,000,000
OPHTHALMOLOGY/OPTOMETRY	Eye Care
Primary eye care (consultation, examination, simple/primary infection, medications, eye tests)	Unlimited	Unlimited
Lenses & Frames (Once every two years)	Limit of ₦45,000	Limit of ₦100,000
Surgeries subject to pre-authorization and overall limits	Subject to Surgical limit	Subject to Surgical limit
Ear, Nose and Throat	Treatment for Ear, Nose and Throat Conditions.
Treatment of ENT diseases	Covered	Covered
Surgeries subject to pre-authorization	Subject to Surgical limit	Subject to Surgical limit
Dentistry	Dental Care
Basic Dentistry - Full mouth assessment, intra oral radiographs, scale & polish, extractions, emergency root canal treatment, fillings, pain and sepsis treatment	Covered up to ₦150,000 per annum	Covered up to ₦300,000 per annum
Specialized Dentistry - Bridgework or crowns, surgical extraction, orthodontic treatment (Only on ages less than 18 years), and dentures(subject to pre-authorization)	Covered up to ₦150,000 per annum	Covered up to ₦300,000 per annum
Diagnostics	Medical laboratory investigations required to diagnose the condition of a patient.
Pathology (laboratory services)	Covered	Covered
Basic Radiology (black & white X rays & abdominal & pelvic ultrasonography)	Covered	Covered
Fertility Services (consultation & investigation only)	Counseling, USS, SFA, HSG, Hormonal Assay, Hysteroscopy (up to 50,000)	Counseling, USS, SFA, HSG, Hormonal Assay, Hysteroscopy (up to 75,000)
Advanced Investigations- Echochadiogram, MRI, CT scan, Electrocardiogram (ECG), Spirometry, Electroencephalogram	Covered up to ₦100,000 per annum	Covered up to ₦250,000 per annum
Physiotherapy
Physiotherapy sessions	Limit of 12 sessions per annum	Limit of 24 sessions per annum
EXTERNAL MEDICAL DEVICES & APPLIANCES such as crutches, neck collars etc Limits are per accident. Subject to overall limits and pre-authorisation	Covered inclusive of Wheelchairs	Covered inclusive of Wheelchairs
CHRONIC DISEASES TREATMENT	Treatment of conditions that requires contnous treatment for 3 consecutive months or more; for example, hypertension, diabetes, HIV, asthma and so on.
Chronic Diseases consultations with Specialists	Unlimited	Unlimited
Equipment for chronic conditions monitoring (Glucometer and/or sphygmomanometer).	Glucometer and/or Sphygmomanometer	Glucometer and/or Sphygmomanometer
Management of Chronic Conditions (Pharmacy Benefit)	₦200,000 per annum	₦250,000 per annum
Additonal Benefits
Mortuary	Limit of 0.2million per annum	Limit of 0.2million per annum
Vaccination at home (in selected cities)	Covered	Covered
Emergency Medical and Associated Expenses while traveling abroad	$10,000	$10,000
Repatriation of remains in the event of death while traveling overseas	$1,500	$1,500
Cover for emergency dental expenses abroad	$200	$200
Accomodation Cost related to Covid-19 quarantine if diagnosed with Covid-19 while abroad	Up to $90 per day (Max 14 days)	Up to $90 per day (Max 14 days)
Miscellaneous expenses on transport and accomodation in case of hospitalization lasting longer than 5 days	Up to $50 per day	Up to $50 per day
Accommodation expenses of close relatives or traveling companion in case of hospitalization lasting longer than 48 hours	$40 per day per person (Max $400)	$40 per day per person (Max $400)
Mental Health Assistance Programme (MHAP)	Covered	Covered

	MRCare	MRCare Platinum
Individual Premium	₦1,259,000	₦3,599,000
Territory	Local In-country + Africa + India + UAE	Local In-country + Africa + India + UAE + Europe
Provider Network	Category A+B+C+D	Category A`+A+B+C+D
Overall Limit (Millions)	Unlimited	Unlimited
Out-Patient Limit (Millions)	Unlimited	Unlimited
Day to Day Benefits (Out-Patient)	Treatment of conditions that do not require the patient to be admitted in the hospital
GP consultations within network	Covered	Covered
Specialist consultations within network	Covered	Covered
Telemedicine consultations	Covered	Covered
Prescribed Acute Medicines	Covered	Covered
Prescribed Chronic Medicines	Covered up to ₦500,000	Covered up to ₦1,200,000
Outpatient Psychiatry Care	Covered for 12 weeks per annum	Covered
TELEMEDICINE AND TELECONSULTATION	Remote/Virtual to doctors and other medical personnel
Chat with Doctors and Nurses when in need of care during any medical emergency	Covered	Covered
Free chats with Doctors and Nurses when in need of any routine medical information	Covered	Covered
GPS-enabled access to hospital directories when hospital information is needed	Covered	Covered
HOSPITALISATION BENEFITS	Including specialist consultations, theatre, accommodation, basic radiology, medication and pathology. Subject to pre- authorisation and clinical protocols
Admission	30 days per annum (Private Ward)	90 days per annum (Private Ward)
Accommodation for parent whose infant is on admission	7 days	14 days
Ambulance Services	Covered	Covered
Intensive Care ward within network	Covered up to ₦3,000,000	Covered up to ₦5,000,000
Psychiatric hospitalization	10 days per annum	21 days per annum
Major Diseases
Cancer limit(Subject to results of preliminary screening at the inception of the policy)	₦10,000,000 (Lifetime)	₦15,000,000 (Lifetime)
Other Major disease (i.e Kidney disease, auto-immune, sickle cell anaemia. Not covered in the first policy year)	Covered up to ₦1,000,000 per annum	Covered up to ₦2,000,000 per annum
Annual Medical Checkup
ROUTINE HEALTH CHECKS: Must be done at the inception of the plan (At a designated Centers). Subject to pre-authorisation	Age 22+/All Gender: Physical, BP, HIV, Cholesterol, Blood sugar, PCV, Urinalysis, LFT, E/u/Cr and ECG once every year; Age 30+ Females: Pap smear and physical breast examination, every 3 years. Age 40+ Males: PSA every 3 years	Age 22+/All Gender: Physical, BP, HIV, Cholesterol, Blood sugar, PCV, Urinalysis, LFT, E/u/Cr and ECG once every year; Age 30+ Females: Pap smear and physical breast examination, every 3 years. Age 40+ Males: PSA every 3 years.
Cancer markers screening (Female)	CEA, CA125, CA199, FIT, Mamography, HPV by PCR	CEA, CA125, CA199, FIT, Mamography, HPV by PCR
Cancer markers screening (Male)	CA199, PSA, FIT	CA199, PSA, FIT
Maternity (Not covered in the first policy year)	Including pre and post- natal care, childbirth by emergency or medically indicated elective C- section (subject to pre- authorization), maternity complications, ultrasound scans, ectopic pregnancies. Limits
Within Leadway Hospital Network (ANC, Maternity and Postcare)	Covered	Covered
Out of Network	ANC + Delivery - ₦175,000; CS Delivery - ₦350,000	ANC + Delivery - ₦350,000; CS Delivery - ₦500,000
Maternity complications	Covered	Covered
Neonatal care (including incubator)	28 days	28 days
Reimbursement for dleivery abroad	Covered up to ₦500,001	Covered up to ₦1,000,001
Family Planning	Pills, Injectibles, Copper IUCD, Vasectomy, Tubal Ligation (only during CS) and Norplant	Pills, Injectibles, Copper IUCD, Vasectomy, Tubal Ligation (only during CS) and Norplant
Male Circumcission and Female Ear Piercing	Covered	Covered
Congenital anomaly treatment (only on children born within the plan)	Covered up to ₦1,000,000 per annum	Covered up to ₦2,000,000 per annum
Immmunizations	Paid from mother’s benefit within the first 30 days of life, thereafter only covered if the baby is registered as an enrollee.
NPI Immunization for 0-5 year: BCG, Measles, DPT, Oral polio, Vitamin A supplementation, Pentavalent vaccine,Yellow Fever Measles, Hepatitis B, HIB	Covered	Covered
Additional Immunizations (For ages 0-5 years): Chickent Pox, MMR, Pneumococcal, Meningitis, vTyphoid, Rotavirus	Covered	Covered
Addition Immunization (above 6 - 17 years): Yellow Fever, Meningitis, Hepatitis B	Covered	Covered
Baby wellness programme	Covered	Covered
Surgeries
Minor, Intermediate, Major Surgeries & Tertiary Surgeries	Covered up to ₦2,000,000	Covered up to ₦3,000,000
Anaesthesia, Surgeon, Admission, Drugs, Surgical supplies/Consumables, administration of blood or blood products, etc	Covered up to ₦2,000,000	Covered up to ₦3,000,000
OPHTHALMOLOGY/OPTOMETRY	Eye Care
Primary eye care (consultation, examination, simple/primary infection, medications, eye tests)	Unlimited	Unlimited
Lenses & Frames (Once every two years)	Limit of ₦45,000	Limit of ₦100,000
Surgeries subject to pre-authorization and overall limits	Subject to Surgical limit	Subject to Surgical limit
Ear, Nose and Throat	Treatment for Ear, Nose and Throat Conditions.
Treatment of ENT diseases	Covered	Covered
Surgeries subject to pre-authorization	Subject to Surgical limit	Subject to Surgical limit
Dentistry	Dental Care
Basic Dentistry - Full mouth assessment, intra oral radiographs, scale & polish, extractions, emergency root canal treatment, fillings, pain and sepsis treatment	Covered up to ₦150,000 per annum	Covered up to ₦300,000 per annum
Specialized Dentistry - Bridgework or crowns, surgical extraction, orthodontic treatment (Only on ages less than 18 years), and dentures(subject to pre-authorization)	Covered up to ₦150,000 per annum	Covered up to ₦300,000 per annum
Diagnostics	Medical laboratory investigations required to diagnose the condition of a patient.
Pathology (laboratory services)	Covered	Covered
Basic Radiology (black & white X rays & abdominal & pelvic ultrasonography)	Covered	Covered
Fertility Services (consultation & investigation only)	Counseling, USS, SFA, HSG, Hormonal Assay, Hysteroscopy (up to 50,000)	Counseling, USS, SFA, HSG, Hormonal Assay, Hysteroscopy (up to 75,000)
Advanced Investigations- Echochadiogram, MRI, CT scan, Electrocardiogram (ECG), Spirometry, Electroencephalogram	Covered up to ₦100,000 per annum	Covered up to ₦250,000 per annum
Physiotherapy
Physiotherapy sessions	Limit of 12 sessions per annum	Limit of 24 sessions per annum
EXTERNAL MEDICAL DEVICES & APPLIANCES such as crutches, neck collars etc Limits are per accident. Subject to overall limits and pre-authorisation	Covered inclusive of Wheelchairs	Covered inclusive of Wheelchairs
CHRONIC DISEASES TREATMENT	Treatment of conditions that requires contnous treatment for 3 consecutive months or more; for example, hypertension, diabetes, HIV, asthma and so on.
Chronic Diseases consultations with Specialists	Unlimited	Unlimited
Equipment for chronic conditions monitoring (Glucometer and/or sphygmomanometer).	Glucometer and/or Sphygmomanometer	Glucometer and/or Sphygmomanometer
Management of Chronic Conditions (Pharmacy Benefit)	₦200,000 per annum	₦250,000 per annum
Additonal Benefits
Mortuary	Limit of 0.2million per annum	Limit of 0.2million per annum
Vaccination at home (in selected cities)	Covered	Covered
Emergency Medical and Associated Expenses while traveling abroad	$10,000	$10,000
Repatriation of remains in the event of death while traveling overseas	$1,500	$1,500
Cover for emergency dental expenses abroad	$200	$200
Accomodation Cost related to Covid-19 quarantine if diagnosed with Covid-19 while abroad	Up to $90 per day (Max 14 days)	Up to $90 per day (Max 14 days)
Miscellaneous expenses on transport and accomodation in case of hospitalization lasting longer than 5 days	Up to $50 per day	Up to $50 per day
Accommodation expenses of close relatives or traveling companion in case of hospitalization lasting longer than 48 hours	$40 per day per person (Max $400)	$40 per day per person (Max $400)
Mental Health Assistance Programme (MHAP)	Covered	Covered

Frequently Asked
Questions

Is there an age limit for the retail plan?leadwayDev2022-04-05T16:30:46+01:00

Is there an age limit for the retail plan?

Yes, the retail plan covers ages 0 – 52years however, minors cannot purchase on their own.

What is a pre-existing conditions?leadwayDev2022-04-05T16:31:09+01:00

What is a pre-existing conditions?

A pre-existing condition is any medical condition that already existed at the time of purchasing a health plan.

Are pre-existing health conditions covered under the retail plans?leadwayDev2022-04-05T16:31:45+01:00

Are pre-existing health conditions covered under the retail plans?

Yes, all pre-existing and chronic conditions are excluded from the policy in the first year however please refer to the terms and conditions on your policy document for full list of conditions.

Can I pay my premium on a monthly basis?leadwayDev2022-04-05T16:32:27+01:00

Can I pay my premium on a monthly basis?

No, premium are on annual basis.

Can I add other people on my retail plan?leadwayDev2022-04-05T16:33:00+01:00

Can I add other people on my retail plan?

Yes, you may wish to add any number of dependents (within the age limit) on your plan at the cost of the chosen plan.

Can I buy a retail plan for my family?leadwayDev2022-04-05T16:33:32+01:00

Can I buy a retail plan for my family?

Yes, you may purchase the plan for your family.

Can I register with more than one hospital?leadwayDev2022-04-05T16:33:59+01:00

Can I register with more than one hospital?

Yes, enrollees have access to available hospitals on their plan type.

Can I access a gym under my retail plan?leadwayDev2022-04-05T16:34:49+01:00

Can I access a gym under my retail plan?

No, gym access is only available on group plans

Does the retail plan provide coverage outside Nigeria?leadwayDev2022-04-05T16:35:21+01:00

Does the retail plan provide coverage outside Nigeria?

Yes, for cases that cannot be properly managed in Nigeria, other regions of cover stated on the plan are accessible.

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I tried Telemedicine for the first time on the mobile app. The doctor was so polite and patient with me. Although I was asked to get some tests done later, it was a nice experience. I suggest you try their telemedicine service if you have minor medical issues.

If you don’t fancy paperwork like me, then you’ll love Leadway Health’s Corporate Portal. Saving HR’s lives since 1800. I truly like how you can do literally everything from registration to updates on the portal.

I enjoy the prompt response from the staff and the home service for children vaccination

Uche Amadi

Tunde Abiola

Chiwueze Adaobi

HEAR FROM OUR ENROLLEES

HR Managers & Our Enrollees
Rate Us 5-Star

I enjoy the prompt response from the staff and the home service for children vaccination

Chiwueze Adaobi

Uche Amadi

Tunde Abiola

HEAR FROM OUR ENROLLEES

HR Managers & Our Enrollees
Rate Us 5-Star

I enjoy the prompt response from the staff and the home service for children vaccination

Tunde Abiola

Chiwueze Adaobi

Uche Amadi

Plus an Efficient
Mobile App

Telemedicine at a thumb's reach

Book hospital appointments, find providers close to you,
access telemedicine services, report a delay,
read health tips and much more on our Enrollee app.

Plus an Efficient
Mobile App

Telemedicine at a thumb's reach

Book hospital appointments, find providers close to you,
access telemedicine services, report a delay,
read health tips and much more on our Enrollee app.

Plus an Efficient
Mobile App

Telemedicine at a thumb's reach

Book hospital appointments, find providers close to you,
access telemedicine services, report a delay,
read health tips and much more on our Enrollee app.

Health Insurance that’s
sweeter than you imagined

Health Insurance that’s
sweeter than you imagined

Now that You’re Here.
See Our Plans

Pricing & Benefits

Frequently Asked
Questions

Is there an age limit for the retail plan?

What is a pre-existing conditions?

Are pre-existing health conditions covered under the retail plans?

Can I pay my premium on a monthly basis?

Can I add other people on my retail plan?

Can I buy a retail plan for my family?

Can I register with more than one hospital?

Can I access a gym under my retail plan?

Does the retail plan provide coverage outside Nigeria?

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Health Insurance that’s
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