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Basic Outpatient plan
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Basic Out/in-patient plan
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Enhanced Out/in-patient plan
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Third Party Administration (TPA) plan
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Retiree medical scheme
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Hygea Assistance Programme (overseas evacuation)
- Blood care services
- Customized plan
- NHIS health plan
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MHS BENEFIT
PACKAGE |
|
|
|
|
|
|
|
|
|
Enhanced
In/
Out
patient |
Basic
In/Out
patient |
Basic
Out
patient |
TPA |
|
|
|
|
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BENEFITS |
|
|
|
|
General Medical
Consultation |
√ |
√ |
√ |
√ |
Drugs as prescribed
by a Doctor |
√ |
√ |
√ |
√ |
Routine laboratory
investigations |
√ |
√ |
√ |
√ |
Specialist consultations |
√ |
√ |
NO |
√ |
Major surgery |
√ |
NO |
NO |
√ |
Moderate surgery |
√ |
√ |
NO |
√ |
Minor surgery |
√ |
√ |
NO |
√ |
X-ray/scan |
√ |
√ |
√ |
√ |
18 hour observation
in clinic |
√ |
√ |
√ |
√ |
Hospitalization |
Private Ward |
Standard ward |
NO |
Any ward |
Diagnostic investigations |
√ |
√ |
NO |
√ |
Diagnostic procedures |
√ |
√ |
NO |
√ |
Regular meals if in hospital |
√ |
√ |
NO |
√ |
Special meals |
√ |
NO |
NO |
√ |
Annual routine
physical examination |
√ |
√ |
√ |
√ |
Antenatal care |
√ |
√ |
NO |
√ |
Normal delivery |
√ |
√ |
NO |
√ |
Assisted delivery |
√ |
NO |
NO |
√ |
Postnatal care |
√ |
√ |
NO |
√ |
Immunization |
√ |
√ |
NO |
√ |
Dental care |
√ |
√ |
NO |
√ |
Ophthalmology
(Consultation & lenses) |
√ |
√ |
NO |
√ |
BASIC HEALTH PLANS
A) Basic Out patient
Benefits
- Consultation
- Drugs
- Routine laboratory investigation
- Minor surgery (day case like incision and drainage, excision of lipoma)
- X-ray/scan
- 18 hours observation in our network hospitals/provider.
- Annual routine physical examination and health counseling at our model clinic or any appointed hospital.
- Antenatal and obstetric services excluded from this plan.
B) Out & In- patient
Benefits
- Consultation
- Drugs as prescribed by doctor.
- Routine laboratory investigations.
- Specialist consultation.
- Minor surgery. (Day case like incision and drainage, excision of lipoma)
- X-ray/scan
- Hospitalization for accidents, illnesses and surgery.
- Diagnostic investigation.
- Diagnostic procedures.
- Regular meals if in hospital
- Annual routine physical examination and health counseling at our model clinic or any appointed hospital.
- Antenatal and obstetrics services that becomes effective 12 months into the policy.
C) Enhanced out & Inpatient
Benefits
- Consultation
- Drugs as prescribed by the doctor.
- Routine laboratory investigations.
- Specialist consultation.
- Minor surgery/moderate surgery e.g. appendectomy, repair of hernia.
- Dental care, scaling and polishing, tooth extraction, simple amalgam feeling
- Ophthalmology (consultation & lenses only)
- Special investigation (to the limit of N9,500)
- Annual routine physical examination and health counseling at our model clinic or any appointed hospital.
- X-ray/scan
- Hospitalization in a private ward for accidents, illnesses and surgery.
- Diagnostic procedures.
- Special meals
- Antenatal and obstetrics services that becomes effective 12 months into the policy.
(D) RETIREES MEDICAL SCHEME
SCOPE OF COVER
Cover is for retiree and spouse and has a renewable span of one year and terminates at death of principal or if premium is not paid.
Benefit package is determined by the type of plan selected and may cover general, specialist medical consultation and treatment with a co-payment of 20% of bill for chronic ailments within the scheme.
(E) THIRD PARTY ADMINISTRATION (TPA)
This is a medical outsourcing service, which involves recruitment of providers (hospitals) processing and payment of hospital bills, quality assurance and control.
Advantages of TPA
- Administrative convenience to allow you concentrate on your core competence area.
- Increase in quality of medical care, as hospitals will be supervised by medical professionals.
- Reduction in cost of medical bills compared to quality of service by at least 20% - 25%.
- No limit to medical care except set by the organization.
HYGEA ASSISTANCE PROGRAMME
- OVERSEAS EVACUATION AND TREATMENT THROUGH HYGEA ASSISTANCE PROGRAMME
- BENEFIT
- Evacuation, Repatriation, medical expenses and accidental death cover for Nigerians
- Covers anywhere in the world except Canada and United States
- Provides evacuation to United Kingdom including medical expenses cover and repatriation back to Nigeria
- Medical expense cover in selected hospitals in Nigeria
- In house medical team provides prompt, direct monitoring between UK and overseas treating doctors in case of emergency
- Minimum accidental death benefit of USD 25,000
- Medical Assistance services are provided by International Medical Rescue (IMR) in the United Kingdom
- IMR is one of the largest independent UK providers of medical assistance to travelers worldwide and has over 18years experience.
PREMIUM
LIMIT
LIVES USD 125,000 USD 200,000 USD 500,000
1-5 645.00 820.00 1075
6-24 560.00 738.00 967.50
25-50 516.00 656.00 860.00
50- 451.50 574.00 752.50
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