Individual Healthcare Plan
We offer affordable health insurance plans for individuals who do not have access to employer-sponsored or government-run coverage. This plan is personalized for only you to enjoy a variety of health benefit packages from Standard to Gold Plus categories.
Personal Coverage
Affordable
Why Choose Individual Coverage?
Perfect for freelancers, entrepreneurs, and anyone who needs personal healthcare coverage without employer-sponsored benefits.
Personalized Coverage
Healthcare plans designed specifically for individuals without employer-sponsored coverage.
Affordable Protection
Cost-effective health insurance options that don't compromise on quality of care.
Flexible Options
Choose from Standard to Gold Plus categories based on your personal needs and budget.
No Employment Required
Perfect for freelancers, entrepreneurs, and those without employer health benefits.
Choose Your Individual Plan
Select the perfect healthcare plan tailored to your personal needs and budget.
Contact for pricing
Surgical Limit: ₦50,000
- Basic Coverage
- Emergency Services
- General Consultation
- Basic Investigations
Contact for pricing
Surgical Limit: ₦140,000
- Enhanced Coverage
- Specialist Consultation
- Extended Services
- More Investigations
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Surgical Limit: ₦220,000
- Comprehensive Coverage
- Advanced Procedures
- Cancer Screening
- Dental Care
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Surgical Limit: ₦440,000
- Premium Coverage
- Major Surgeries
- Cancer Treatment
- Enhanced Benefits
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Surgical Limit: ₦550,000
- Ultimate Coverage
- International Insurance
- Travel Insurance
- Gym Membership
Detailed Coverage Comparison
Compare all the services and benefits included in each individual plan to make the best choice for your healthcare needs.
| Service | Standard | Classic | Silver | Gold | Gold Plus |
|---|---|---|---|---|---|
| Acute Heart Failure, Shock | ✔ 24 hrs | ✔ 24 hrs | ✔ 24 hrs | ✔ 48 hrs | ✔ 72 hrs |
| Service | Standard | Classic | Silver | Gold | Gold Plus |
|---|---|---|---|---|---|
| Consultation Type | General Only | General + Specialist | General + Specialist | General + Specialist | General + Specialist |
| Out-patient care for 6 weeks | ✔ | ✔ | ✔ | ✔ |
| Service | Standard | Classic | Silver | Gold | Gold Plus |
|---|---|---|---|---|---|
| Allergies, Measles, Chicken Pox | ✔ | ✔ | ✔ | ✔ | ✔ |
| Parasitic & Allergic Skin Conditions | ✔ | ✔ | ✔ | ✔ | ✔ |
| Urinary Tract Infection | ✔ | ✔ | ✔ | ✔ | ✔ |
| Peptic Ulcer Disease | ✔ | ✔ | ✔ | ✔ | ✔ |
| Respiratory Tract Infections | ✔ | ✔ | ✔ | ✔ | ✔ |
| Cardiovascular Conditions | ✔ | ✔ | ✔ | ✔ | |
| Blood Transfusion | ✔ | ✔ | ✔ | ✔ | |
| HIV/AIDS Treatment | Investigation Only | ✔ | ✔ | ✔ | ✔ |
| Service | Standard | Classic | Silver | Gold | Gold Plus |
|---|---|---|---|---|---|
| Basic Tests (PVC, MP, WIDAL, FBC+DIFF) | ✔ | ✔ | ✔ | ✔ | ✔ |
| Standard Tests (ESR, RBS/FBS, Urinalysis) | ✔ | ✔ | ✔ | ✔ | ✔ |
| Advanced Tests (HBV/HCV, H.PYLORI) | ✔ | ✔ | ✔ | ✔ | |
| Specialized Tests (Blood Culture, Clotting Profile) | ✔ | ✔ | ✔ | ||
| Complex Tests (D-Timer, HbA1c, Ferritin) | ✔ | ✔ | ✔ |
| Service | Standard | Classic | Silver | Gold | Gold Plus |
|---|---|---|---|---|---|
| Confirmation of Pregnancy | ✔ | ✔ | ✔ | ✔ | ✔ |
| Antenatal Care (from 12 weeks) | ✔ | ✔ | ✔ | ✔ | |
| Labour & Delivery Management | ✔ | ✔ | ✔ | ✔ | |
| Routine Immunization | ✔ | ✔ | ✔ | ✔ | ✔ |
| ICU/SCBU | ✔ (₦50,000) | ✔ (₦70,000) | ✔ (₦100,000) |
| Service | Standard | Classic | Silver | Gold | Gold Plus |
|---|---|---|---|---|---|
| Minor Procedures | ✔ | ✔ | ✔ | ✔ | ✔ |
| Intermediate Procedures | ✔ | ✔ | ✔ | ✔ | |
| Major Procedures | ✔ | ✔ | ✔ | ✔ | |
| Individual Surgical Limit | ₦50,000 | ₦140,000 | ₦220,000 | ₦440,000 | ₦550,000 |
| Service | Standard | Classic | Silver | Gold | Gold Plus |
|---|---|---|---|---|---|
| Basic Eye Examination | ✔ | ✔ | ✔ | ✔ | ✔ |
| Common Eye Ailments | ✔ | ✔ | ✔ | ||
| Optical Lens Limit (biennial) | ₦10,000 | ₦15,000 | ₦25,000 | TBD | |
| Major Eye Surgery | ✔ | ✔ | ✔ |
| Service | Standard | Classic | Silver | Gold | Gold Plus |
|---|---|---|---|---|---|
| Minor Ailments Treatment | ✔ | ✔ | ✔ | ✔ | ✔ |
| Amalgam Filling | 2 fillings | 4 fillings | 6 fillings | 8 fillings | |
| Root Canal Therapy | 1 session | 2 sessions | 4 sessions | ||
| Denture and Bridges | ✔ | 1 set | 1 set |
| Service | Standard | Classic | Silver | Gold | Gold Plus |
|---|---|---|---|---|---|
| X-rays and Ultrasound | ✔ | ✔ | ✔ | ✔ | ✔ |
| CT Scan & MRI | 50% co-payment | 45% co-payment | 35% co-payment | TBD | |
| Echocardiography | 50% co-payment | 45% co-payment | 35% co-payment | TBD |
| Service | Standard | Classic | Silver | Gold | Gold Plus |
|---|---|---|---|---|---|
| Sessions per year | 3 sessions | 5 sessions | 8 sessions | 10 sessions | 20 sessions |
| Service | Standard | Classic | Silver | Gold | Gold Plus |
|---|---|---|---|---|---|
| General Outpatient Consultation | ✔ | ✔ | ✔ | ||
| Cancer Screening (PSA & Mammography) | 1 screening | 2 screenings | 4 screenings | ||
| Surgical Treatment of Cancer | ✔ | ✔ |
| Service | Standard | Classic | Silver | Gold | Gold Plus |
|---|---|---|---|---|---|
| Renal Dialysis | 2 sessions | 6 sessions | 8 sessions | ||
| Chronic Disease Management | ✔ | ✔ | ✔ | ✔ | |
| International Health Insurance | ✔ | ||||
| Travel Insurance | ✔ | ||||
| Gym Membership | ✔ |
Important Notes:
- • Individual surgical limits apply as specified in each plan
- • Drug types vary from Generic to Branded based on plan level
- • Co-payments may apply for certain services and investigations
- • Exclusions will be highlighted in the policy document
- • Some services have session limits or annual caps
- • Mental health services coverage varies by plan
Secure Your Health Today
Don't wait for a health emergency. Get personalized healthcare coverage that fits your lifestyle and budget as an individual.