Retail2024-07-19T14:50:14+01:00

Health Insurance that’s
sweeter than you imagined

Health Insurance that’s
sweeter than you imagined

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

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.

CranBerry

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

BlueBerry

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

BlackBerry

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

RaspBerry

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

RaspBerry

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

Senior Citizens

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

Marcelle Ruth

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

Marcelle Ruth Platinum

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

Pricing & Benefits

No hidden costs, no surprises

Strawberry Cranberry Blueberry Blackberry Raspberry
Premium/Individual/Year ₦69,998.50 ₦98,527.00 ₦169,884.00 ₦390,650.00 ₦636,480
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 (Subject to 12 months moratarium) ₦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 In-patient Limits & 3 months moratarium 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) 12 months moratorium applies Prescribed Medicines & Drugs (Non-Chronic) ₦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)Subject to 3 months moratorium 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 Outpatient limit & 12 months moratorium 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) 12 months moratorium applies 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 12 months moratorium) Covered Covered Covered Covered Covered
Leadway Enrollee App Covered Covered Covered Covered Covered
Strawberry
Cranberry
Blueberry
Blackberry
Raspberry
Premium/Individual/Year ₦69,998.50 ₦98,527.00 ₦169,884.00 ₦390,650.00 ₦636,480
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 (Subject to 12 months moratarium) ₦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 In-patient Limits & 3 months moratarium 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) 12 months moratorium applies Prescribed Medicines & Drugs (Non-Chronic) ₦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)Subject to 3 months moratorium 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 Outpatient limit & 12 months moratorium 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) 12 months moratorium applies 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 12 months moratorium) 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) ₦211,647 ₦435,432 ₦696,027 ₦876,922
Premium(Age 70-79) ₦243,394 ₦489,247 ₦800,431 ₦1,008,460
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) ₦50,000 per annum ₦100,000 per annum ₦150,000 per annum ₦250,000 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 (Subject to waiting period of six (6) months) ₦100,000 ₦150,000 ₦200,000 ₦300,000
Advanced & Complex Investigations (Subject to 3 months moratorium) ₦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, Subject to 6 months moratorium) 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) ₦211,647 ₦435,432 ₦696,027 ₦876,922
Premium(Age 70-79) ₦243,394 ₦489,247 ₦800,431 ₦1,008,460
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) ₦50,000 per annum ₦100,000 per annum ₦150,000 per annum ₦250,000 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 (Subject to waiting period of six (6) months) ₦100,000 ₦150,000 ₦200,000 ₦300,000
Advanced & Complex Investigations (Subject to 3 months moratorium) ₦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, Subject to 6 months moratorium) 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, autoimmune, sickle cell anaemia Subject to 12 months moratorium) 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 (Subject to 1year Moratorium) 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
Immmunisations (Subject to 1year Moratorium) 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 Immunisations (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, autoimmune, sickle cell anaemia Subject to 12 months moratorium) 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 (Subject to 1year Moratorium) 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
Immmunisations (Subject to 1year Moratorium) 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 Immunisations (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?2022-04-05T16:30:46+01:00

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

What is a pre-existing conditions?2022-04-05T16:31:09+01:00

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?2022-04-05T16:31:45+01:00

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?2022-04-05T16:32:27+01:00

No, premium are on annual basis.

Can I add other people on my retail plan?2022-04-05T16:33:00+01:00

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?2022-04-05T16:33:32+01:00

Yes, you may purchase the plan for your family.

Can I register with more than one hospital?2022-04-05T16:33:59+01:00

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

Can I access a gym under my retail plan?2022-04-05T16:34:49+01:00

No, gym access is only available on group plans

Does the retail plan provide coverage outside Nigeria?2022-04-05T16:35:21+01:00

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

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