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.

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.
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 | ||||
Area of Cover | Nigeria & India | ||||
Primary Network |
Category D hospitals |
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Outpatient Limit | 150,000 | ||||
In-patient Limit | 350,000 | ||||
Section 1- Out-Patient Treatments | Treatments not requiring an admission in hospital | ||||
1. Out-patient General Practitioner charges |
Full coverage up to outpatient limits |
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2. Out-patient diagnostics tests and procedures (including rest ECG) |
Full coverage up to outpatient limits |
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3. Out-patient psychiatric tests 8 week (subject to 12 months moratorium) |
Full coverage up to outpatient limits |
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4. Prescribed drugs (Acute & Chronic Medicine) |
Full coverage up to outpatient limits |
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5. Advanced investigations (incl.MRI, CT Scans, PET Scans) | Emergency | ||||
6. Tele Medicine Consultation | 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 |
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Section 2- In-Patient Treatments | Treatments requiring an admission in hospital | ||||
1. Accommodation & ancillary charges , including medicines, consumables,food and nursing | General Ward | ||||
2. X-Rays, Laboratory & Diagnostic Tests | Subject to inpatient limit | ||||
3. Physiotherapy | 5 Sessions | ||||
Section 3- Emergency Treatments & Assistance | |||||
1. Ambulance Evacuation (Home/Hospital to Hospital & Road side to Hospital) | Covered | ||||
2. Intensive Care Ward | 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 | ||||
2. Baby Wellness | 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 | ||||
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 | ||||
2. Fertility services (Investigation only)- Subject to Outpatient limit and 12 months moratorium | Counseling, SFA, USS (covered up to N20,000) | ||||
3. Routine Immunization (NPI) for 0 - 5yrs DPT, Hepatitis B, HiB (Pentavalent), BCG, Measles, Oral Polio, Vitamin A supplementation | Covered | ||||
4. Additional Immunization for under 5 - Varicella, Rotarix, Pneumococcal, Meningococcal, Yellow fever, Hepatitis B, HIB,MMR & Typherix) at Designated centre | Not 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 | ||||
2. In-Patient Treatment for chronic conditions | Subject to Inpatient limit | ||||
Section 8- Dental Treatment | |||||
Primary/Secondary Dental Care | covered up to ₦10,000 | ||||
Section 9- Eye Care | |||||
1. Primary Eye Care - Consultation, Examination, Simple or primary infection or conditions and medications | 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 | ||||
Section 10- Surgeries | |||||
1. Surgical Services | Up to a limit of 250,000 | ||||
Section 11- Additional Benefits | |||||
1. Family Planning [Pills, Injectable, copper IUCD, tubal ligation (only during CS) | Pills, Injectable & copper IUCDs | ||||
2. Second Medical opinion | Covered | ||||
3. Travel Insurance - 4 weeks | Not Covered | ||||
4. 24/7 Emergency Assistance Call Centre | Covered | ||||
Strawberry
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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 |
