Retail2023-06-06T12:57:08+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.

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.

Pricing & Benefits

No hidden costs, no surprises

Strawberry Cranberry Blueberry Blackberry Raspberry
Premium/Individual/Year ₦53,845 ₦75,790 ₦130,680 ₦300,500 ₦489,600
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
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
Emergency Evacuation Cover Including Air Ambulance Not Covered Not Covered Not Covered Not Covered Not Covered
Strawberry
Cranberry
Blueberry
Blackberry
Raspberry
Premium/Individual/Year ₦53,845 ₦75,790 ₦130,680 ₦300,500 ₦489,600
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
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 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 + 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
Emergency Evacuation Cover Including Air Ambulance Not Covered Not Covered Not Covered Not Covered Not 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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