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Retail2022-06-28T10:41:43+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 All 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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Pricing & Benefits

No hidden costs, no surprises

Strawberry Cranberry Blueberry Blackberry Raspberry
Annual Premium per Individual (less than age 51. Rate adjustment for ages up to 60 applies) ₦48,950 ₦68,900 ₦118,800 ₦229,800 ₦250,800
Area of Cover Nigeria & India Nigeria & India Nigeria & India Nigeria + India + Africa Nigeria + India + Africa + UAE
Primary Network Category D
hospitals 		Category D
hospitals 		Category D + C
hospitals 		Category D + C
+ B hospitals 		Category D + C + B
hospitals
Outpatient Limit 150,000 200,000 300,000 500,000 500,000
In-patient Limit 350,000 500,000 750,000 1 million 1.5 million
Section 1- Out-Patient Treatments Treatments not requiring an admission in hospital
1. Out-patient General Practitioner
charges 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits
2. Out-patient diagnostics tests and
procedures (including rest ECG) 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits
3. Out-patient psychiatric tests 8 week
(subject to 12 months moratorium) 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits
4. Prescribed drugs (Acute & Chronic Medicine) Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits
5. Advanced investigations (incl.MRI, CT Scans, PET Scans) Emergency Emergency Emergency Emergency Emergency
6. Tele Medicine Consultation Unlimited Unlimited Unlimited Unlimited Unlimited
7. External medical devices & appliances such as crutches, neck collars etc. Limits are per incident. Subject to pre-authorisation. Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits
Section 2- In-Patient Treatments Treatments requiring an admission in hospital
1. Accommodation & ancillary charges , including medicines, consumables,food and nursing General Ward Semi Private Ward Private Ward Private Ward Private Ward
2. X-Rays, Laboratory & Diagnostic Tests Subject to inpatient limit Subject to inpatient limit Subject to inpatient limit Subject to inpatient limit Subject to inpatient limit
3. Physiotherapy 5 Sessions 10 Sessions 15 Sessions 20 Sessions 20 Sessions
Section 3- Emergency Treatments & Assistance
1. Ambulance Evacuation (Home/Hospital to Hospital & Road side to Hospital) Covered Covered Covered Covered Covered
2. Intensive Care Ward Subject to Inpatient limit Subject to Inpatient limit Subject to Inpatient limit Subject to Inpatient limit Subject to Inpatient limit
Section 4- Preventive & Routine Care Health Screening
1. Health Screening Age 22+/All Gender: (Physical, BP, HIV, PCV) once every year; Age 40+/All Gender: Blood sugar, and Urinalysis) once every year Age 22+/All Gender: (Physical, BP, HIV, PCV) once every year; Age 40+/All Gender: Blood sugar, and Urinalysis) once every year Age 22+/All Gender: (Physical, BP, HIV, Cholesterol, Blood sugar, PCV, Urinalysis, once every year; Age 40+ Males: PSA every 3 years. Age 40+ Females: Mammogramevery 3 years Age 22+/All Gender: (Physical, BP, HIV, Cholesterol, Blood sugar, PCV, Urinalysis, aLFT, 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 40+ Females: Mammogram every 3 years Age 22+/All Gender: (Physical, BP, HIV, Cholesterol, Blood sugar, PCV, Urinalysis, aLFT, 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 40+ Females: Mammogram every 3 years
2. Baby Wellness Covered Covered Covered Covered Covered
Section 5- Newly diagnosed (i.e. diagnosed after date of joining) Major Diseases
Major Diseases Limit Subject to overall outpatient and inpatient limit
1. Kidney Dialysis Not Covered 1 Session per annum 2 Sessions per annum 3 Sessions per annum 5 Sessions per annum
Section 6- Pregnancy Cover
1. Pregnancy cover- ultrasound scans, spontaneous vaginal delivery & post-natal care; Deliver (vaginal, Caesarean section, assisted delivery & Postal Natal care (12 months moratorium applies) 200,000 250,000 300,000 400,000 500,000
2. Fertility services (Investigation only)- Subject to Outpatient limit and 12 months moratorium Counseling, SFA, USS (covered up to N20,000) Counseling, SFA, USS (covered up to N25,000) Counseling, SFA, USS (covered up to N50,000) Counseling, SFA, USS (covered up to N100,000) Counseling, SFA, USS (covered up to N100,000)
3. Routine Immunization (NPI) for 0 - 5yrs DPT, Hepatitis B, HiB (Pentavalent), BCG, Measles, Oral Polio, Vitamin A supplementation Covered Covered Covered Covered Covered
4. Additional Immunization for under 5 - Varicella, Rotarix, Pneumococcal, Meningococcal, Yellow fever, Hepatitis B, HIB,MMR & Typherix) at Designated centre Not Covered MMR & Yellow Fever Covered Covered Covered
Section 7- Newly diagnosed (i.e. diagnosed after date of joining) Chronic Medical Conditions- Subject to 12 months moratorium from date of joining Chronic conditions are conditions that require continuous treatment for more than 3 months. Examples are hypertension, asthma, HIV, diabetes and so on
1. Routine Follow-Up Consultationsor In-Patient Treatment of newly-diagnosed Chronic Medical Condition Subject to Outpatient limit Subject to Outpatient limit Subject to Outpatient limit Subject to Outpatient limit Subject to Outpatient limit
2. In-Patient Treatment for chronic conditions Subject to Inpatient limit Subject to Inpatient limit Subject to Inpatient limit Subject to Inpatient limit Subject to Inpatient limit
Section 8- Dental Treatment
Primary/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 ₦60,000
Section 9- Eye Care
1. Primary Eye Care - Consultation, Examination, Simple or primary infection or conditions and medications Subject to Outpatient limit Subject to Outpatient limit Subject to Outpatient limit Subject to Outpatient limit Subject to Outpatient limit
2. Routine Eye Test & Cost of eye glasses (once every 2 years and 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
Section 10- Surgeries
1. Surgical Services 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 500,000 Up to a limit of 500,000
Section 11- Additional Benefits
1. Family Planning [Pills, Injectable, copper IUCD, tubal ligation (only during CS) Pills, Injectable & copper IUCDs Pills, Injectable & copper IUCDs Pills, Injectables, Copper IUCDs, tubal ligation and Vasectomy Pills, Injectables, Copper IUCDs, tubal ligation and Vasectomy Pills, Injectables, Copper IUCDs, tubal ligation and Vasectomy
2. Second Medical opinion Covered Covered Covered Covered Covered
3. Travel Insurance - 4 weeks Not Covered Not Covered Not Covered Covered Covered
4. 24/7 Emergency Assistance Call Centre Covered Covered Covered Covered Covered
Strawberry
Cranberry
Blueberry
Blackberry
Raspberry
Annual Premium per Individual (less than age 51. Rate adjustment for ages up to 60 applies) ₦48,950 ₦68,900 ₦118,800 ₦229,800 ₦250,800
Area of Cover Nigeria & India Nigeria & India Nigeria & India Nigeria + India + Africa Nigeria + India + Africa + UAE
Primary Network Category D
hospitals 		Category D
hospitals 		Category D + C
hospitals 		Category D + C
+ B hospitals 		Category D + C + B
hospitals
Outpatient Limit 150,000 200,000 300,000 500,000 500,000
In-patient Limit 350,000 500,000 750,000 1 million 1.5 million
Section 1- Out-Patient Treatments Treatments not requiring an admission in hospital
1. Out-patient General Practitioner
charges 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits
2. Out-patient diagnostics tests and
procedures (including rest ECG) 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits
3. Out-patient psychiatric tests 8 week
(subject to 12 months moratorium) 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits
4. Prescribed drugs (Acute & Chronic Medicine) Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits
5. Advanced investigations (incl.MRI, CT Scans, PET Scans) Emergency Emergency Emergency Emergency Emergency
6. Tele Medicine Consultation Unlimited Unlimited Unlimited Unlimited Unlimited
7. External medical devices & appliances such as crutches, neck collars etc. Limits are per incident. Subject to pre-authorisation. Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits 		Full coverage up to
outpatient limits
Section 2- In-Patient Treatments Treatments requiring an admission in hospital
1. Accommodation & ancillary charges , including medicines, consumables,food and nursing General Ward Semi Private Ward Private Ward Private Ward Private Ward
2. X-Rays, Laboratory & Diagnostic Tests Subject to inpatient limit Subject to inpatient limit Subject to inpatient limit Subject to inpatient limit Subject to inpatient limit
3. Physiotherapy 5 Sessions 10 Sessions 15 Sessions 20 Sessions 20 Sessions
Section 3- Emergency Treatments & Assistance
1. Ambulance Evacuation (Home/Hospital to Hospital & Road side to Hospital) Covered Covered Covered Covered Covered
2. Intensive Care Ward Subject to Inpatient limit Subject to Inpatient limit Subject to Inpatient limit Subject to Inpatient limit Subject to Inpatient limit
Section 4- Preventive & Routine Care Health Screening
1. Health Screening Age 22+/All Gender: (Physical, BP, HIV, PCV) once every year; Age 40+/All Gender: Blood sugar, and Urinalysis) once every year Age 22+/All Gender: (Physical, BP, HIV, PCV) once every year; Age 40+/All Gender: Blood sugar, and Urinalysis) once every year Age 22+/All Gender: (Physical, BP, HIV, Cholesterol, Blood sugar, PCV, Urinalysis, once every year; Age 40+ Males: PSA every 3 years. Age 40+ Females: Mammogramevery 3 years Age 22+/All Gender: (Physical, BP, HIV, Cholesterol, Blood sugar, PCV, Urinalysis, aLFT, 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 40+ Females: Mammogram every 3 years Age 22+/All Gender: (Physical, BP, HIV, Cholesterol, Blood sugar, PCV, Urinalysis, aLFT, 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 40+ Females: Mammogram every 3 years
2. Baby Wellness Covered Covered Covered Covered Covered
Section 5- Newly diagnosed (i.e. diagnosed after date of joining) Major Diseases
Major Diseases Limit Subject to overall outpatient and inpatient limit
1. Kidney Dialysis Not Covered 1 Session per annum 2 Sessions per annum 3 Sessions per annum 5 Sessions per annum
Section 6- Pregnancy Cover
1. Pregnancy cover- ultrasound scans, spontaneous vaginal delivery & post-natal care; Deliver (vaginal, Caesarean section, assisted delivery & Postal Natal care (12 months moratorium applies) 200,000 250,000 300,000 400,000 500,000
2. Fertility services (Investigation only)- Subject to Outpatient limit and 12 months moratorium Counseling, SFA, USS (covered up to N20,000) Counseling, SFA, USS (covered up to N25,000) Counseling, SFA, USS (covered up to N50,000) Counseling, SFA, USS (covered up to N100,000) Counseling, SFA, USS (covered up to N100,000)
3. Routine Immunization (NPI) for 0 - 5yrs DPT, Hepatitis B, HiB (Pentavalent), BCG, Measles, Oral Polio, Vitamin A supplementation Covered Covered Covered Covered Covered
4. Additional Immunization for under 5 - Varicella, Rotarix, Pneumococcal, Meningococcal, Yellow fever, Hepatitis B, HIB,MMR & Typherix) at Designated centre Not Covered MMR & Yellow Fever Covered Covered Covered
Section 7- Newly diagnosed (i.e. diagnosed after date of joining) Chronic Medical Conditions- Subject to 12 months moratorium from date of joining Chronic conditions are conditions that require continuous treatment for more than 3 months. Examples are hypertension, asthma, HIV, diabetes and so on
1. Routine Follow-Up Consultationsor In-Patient Treatment of newly-diagnosed Chronic Medical Condition Subject to Outpatient limit Subject to Outpatient limit Subject to Outpatient limit Subject to Outpatient limit Subject to Outpatient limit
2. In-Patient Treatment for chronic conditions Subject to Inpatient limit Subject to Inpatient limit Subject to Inpatient limit Subject to Inpatient limit Subject to Inpatient limit
Section 8- Dental Treatment
Primary/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 ₦60,000
Section 9- Eye Care
1. Primary Eye Care - Consultation, Examination, Simple or primary infection or conditions and medications Subject to Outpatient limit Subject to Outpatient limit Subject to Outpatient limit Subject to Outpatient limit Subject to Outpatient limit
2. Routine Eye Test & Cost of eye glasses (once every 2 years and 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
Section 10- Surgeries
1. Surgical Services 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 500,000 Up to a limit of 500,000
Section 11- Additional Benefits
1. Family Planning [Pills, Injectable, copper IUCD, tubal ligation (only during CS) Pills, Injectable & copper IUCDs Pills, Injectable & copper IUCDs Pills, Injectables, Copper IUCDs, tubal ligation and Vasectomy Pills, Injectables, Copper IUCDs, tubal ligation and Vasectomy Pills, Injectables, Copper IUCDs, tubal ligation and Vasectomy
2. Second Medical opinion Covered Covered Covered Covered Covered
3. Travel Insurance - 4 weeks Not Covered Not Covered Not Covered Covered Covered
4. 24/7 Emergency Assistance Call Centre Covered Covered Covered 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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