| A | B | C | D | E | F | G | |
|---|---|---|---|---|---|---|---|
1 | HCI HEALTHCARE | ||||||
2 | RETAIL BENEFIT PACKAGES (1-20 LIVES) | ||||||
3 | TITANIUM COMPACT | TITANIUM KLASSIC | TITANIUM ULTRA | TITANIUM DELUXE | TITANIUM ROYAL | ||
4 | REGION OF COVER | Nigeria | Nigeria | Nigeria | Nigeria | Nigeria | |
5 | PROVIDER TYPE | Standard Network | Standard Network | Standard Network | Enhanced Network | Enhanced Network | |
6 | PREMIUM PER PERSON Per Annum | ₦37,050 | ₦43,225 | ₦58,045 | ₦154,375 | ₦229,710 | |
7 | PREMIUM PER FAMILY Per Annum (Maximum of 4 children under 21 years of age) | ₦166,250.00 | ₦195,130 | ₦247,000 | ₦580,450 | ₦864,500 | |
8 | OUT-PATIENT BENEFITS | ||||||
9 | GP Consultations at chosen accredited primary care provider including investigations, Basic Imaging (X Ray & USS) nursing care and prescribed medications | Covered | Covered | Covered | Covered | Covered | |
10 | Acute care benefits including out-of-network care | Covered | Covered | Covered | Covered | Covered | |
11 | Minor Surgeries | Covered | Covered | Covered | Covered | Covered | |
12 | Annual physical in your doctor room | Covered | Covered | Covered | Covered | Covered | |
13 | SPECIALIST CONSULTATIONS | ||||||
14 | Consultation with common specialist (Gynaecologist, Obstetrician, General Surgeon, Peadeatrician, ENT Surgeon, Family Physician, Cardiologist) | Covered up to 2 visits Per Annum | Covered up to 3 visits Per Annum | Covered up to 4 visits Per Annum | Covered up to 5 visits Per Annum | Covered up to 6 visits Per Annum | |
15 | Consultation with Rare Specialists- Neurosurgion,Endocrinologist, Rheumatologist, Nephrologist etc | Not Covered | |||||
16 | CHRONIC DISEASE MANAGEMENT | ||||||
17 | Prescribed Medications (after 12mths on the scheme) | Up to N20,000 Per Annum | Up to N25,000 Per Annum | Up to N40,000 Per Annum | Up to N60,000 Per Annum | Up to N70,000 Per Annum | |
18 | PREVENTIVE & HEALTH PROMOTION BENEFIT | ||||||
19 | Routine medical Screening | Not Covered | Not Covered | Covered | Covered | Covered | |
20 | Comprehensive Annual Medical screening at designated facilities: | Not Covered | Not Covered | Not Covered | Not Covered | Covered | |
21 | UNDER FIVE IMMUNIZATION BENEFIT | ||||||
22 | NPI-approved Immunization limited to BCG, OPV, Hepatitis B, DPT, Heamophillus Influenza B, Measles, Yellow Fever | Covered | Covered | Covered | Covered | Covered | |
23 | Non-NPI Immunization limited to Rotavirus, Pneumococcal, Chicken Pox, Typhoid Fever, Meningitis | Not Covered | Not Covered | Not Covered | Covered | Covered | |
24 | MAJOR DISEASE CONDITION BENEFITS | ||||||
25 | Surgical Procedures (Intermediate & Major) | Up to N50,000 Limit Per Annum | Up to N80,000 Limit Per Annum | Up to N120,000 Limit Per Annum | Up to N150,000 Limit Per Annum | Up to N200,000 Limit Per Annum | |
26 | Cancer care Limit Per Annumed to diagnosis, radiotherapy & chemotherapy | Not Covered | Not Covered | Not Covered | Not Covered | Up to N100,000 Limit Per Annum | |
27 | REPRODUCTIVE HEALTH BENEFIT | ||||||
28 | Family Planning including IUCDS, Injectables, Oral Contraceptives, Norplant (after 12mths on the scheme) | Up to N5,000 Per Annum | Up to N10,000 Per Annum | Up to N15,000 Per Annum | Up to N20,000 Per Annum | Up to N50,000 Per Annum | |
29 | Infertility Limit Per Annumed to diagnosis & prescribed medications | Not Covered | Not Covered | Not Covered | Up to N50,000 Per Annum | Up to N100,000 Per Annum | |
30 | MATERNITY BENEFITS: (Family Plan holders only after 12mths) | ||||||
31 | Ante-natal care at registered network provider | Up to N50,000 Limit Per Annum | Up to N80,000 Limit Per Annum | Up to N100,000 Limit Per Annum | Up to N120,000 Limit Per Annum | Up to N150,000 Limit Per Annum | |
32 | Normal Delivery including Post-Partum Care | ||||||
33 | Operative Delivery including Post-partum care | ||||||
34 | Medical Conditions during Pregnancy | Covered | Covered | Covered | Covered | Covered | |
35 | Complications from Pregnancy & Childbirth | Covered | Covered | Covered | Covered | Covered | |
36 | IN-PATIENT BENEFIT | ||||||
37 | Ward admission & Feeding | Standard Ward up to 10 days Per Annum | Semi-Private Ward up to 10 days Per Annum | Private Ward up to 15 days Per Annum | Private ward up to 18 days Per Annum | Private ward up to 22 days Per Annum | |
38 | Laboratory investigations, Nursing care, dressing & prescribed medications | Covered | Covered | Covered | Covered | Covered | |
39 | Specialist Review | Covered up to specialist consult Limit Per Annum stated above | Covered up to specialist consult Limit Per Annum stated above | Covered up to specialist consult Limit Per Annum stated above | Covered up to specialist consult Limit Per Annum stated above | Covered up to specialist consult Limit Per Annum stated above | |
40 | PAEDIATRIC CARE (FAMILY PLAN HOLDER ONLY) | ||||||
41 | Consultation with Neonatologist & Peadeatrician | Not Covered | Covered up to 2 consults max | Covered up to 2 consults max | Covered up to 2 consults max | Covered up to 2 consults max | |
42 | Neonatal care including Phototherapy & Incubator care | Not Covered | Up to 24hrs Per Annum | Up to 24hrs Per Annum | Up to 48hrs Per Annum | Up to 48hrs Per Annum | |
43 | Exchange blood transfusion | Not Covered | covered up to N25,000 | covered up to N35,000 | covered up to N50,000 | covered up to N70,000 | |
44 | ACCIDENT & EMERGENCY BENEFIT | ||||||
45 | Nationwide Emergency evacuation, Emergency room care including consultations, investigations, surgical intervention & prescribed medications to stabilize patient in Emergency room only | Up to N50,000 Limit Per Annum | Up to N60,000 Limit Per Annum | Up to N80,00 Limit Per Annum | Up to N100,000 Limit Per Annum | Up to N120,000 Limit Per Annum | |
46 | EYE CARE BENEFIT | ||||||
47 | Treatment of minor eye ailments:Conjunctivitis, Simple contusion, abrasions, foreign bodies, | covered | covered | covered | covered | covered | |
48 | Consultation with Optician including test, Lens & Prescribed Medications | Up to N3,500 Limit Per Annum | Up to N5,500 Limit Per Annum | Up to N7,500 Limit Per Annum | Up to N10,000 Limit Per Annum | Up to N15,000 Limit Per Annum | |
49 | DENTAL CARE BENEFIT | ||||||
50 | Basic dental care Limit Per Annumed to GP consult and pain relief | covered | covered | covered | covered | covered | |
51 | Consultation with Dentist including Dental investigations, pain therapy, simple & surgical extraction, Amalgam filling, Root canal treatment, Gingival treatment & crowning only | Up to N6,000 Per Annum | Up to N8,000 Per Annum | Up to 10,000 Per Annum | Up to N15,000 Limit Per Annum | Up to N20,000 Limit Per Annum | |
52 | ADDITIONAL BENEFITS | ||||||
53 | Physiotherapy | 3 Sessions Per Annum | 5 Sessions Per Annum | 7 Sessions Per Annum | 10 sessions Per Annum | 15 sessions Per Annum | |
54 | Psychiatry assessment & treatment of acute phase up to 2 weeks | Covered | Covered | Covered | Covered | Covered | |
55 | HIV/AIDS Treatment at designated centres | Covered | Covered | Covered | Covered | Covered | |
56 | Specialized Laboratory Studies like Hormonal Assays, D-dimers, Cardiac Enzymes etc | Not Covered | Covered | Covered | Covered | Covered | |
57 | Specialized Imaging Studies echocardiogram, IVU, Contrast studies, Doppler Scan etc | Not Covered | Not Covered | Covered | Covered | Covered | |
58 | Advanced Radiological Studies CT scan or MRI (once annually) | Not Covered | Not Covered | Limit Per Annumed to CT-Scan | Covered | Covered | |
59 | Telemedicine | Covered | Covered | Covered | Covered | Covered | |
60 | Overall Limit Per Annum Per Individual | 323,750 | 350,000 | 600,000 | 770,000 | 1,070,000 | |
61 | Financial Limit Per Annum per Family | 809,375.00 | 875,000.00 | 1,497,000.00 | 1,925,000.00 | 2,670,000.00 | |
62 | *Please note that there is a 12months waiting period for all chronic conditions, maternity & surgical cases. | ||||||
63 | Add-on Benefits at Additional Premium | ||||||
64 | Diagnostar Electronic Medical Records | ||||||
65 | Pre-employment Screening (Laboratory appointments for candidates or Sample pick up) | ||||||
66 | e-Prescription Orders | ||||||
67 | Virtual consultations with doctors in Nigeria and abroad | ||||||
68 | Discounted Gym membership and Subscription fee with iFitness | ||||||
69 | |||||||
70 | HEALTH INSURANCE NOTES: | ||||||
71 | 1. GP consultations includes investigations, basic imaging (XRAY & USS), nursing care, prescribed medication 2. Acute care benefits includes out-of-network care 3. Annual physical to take place in doctor's office 4. Common specialists includes Obstetrician, General Surgeon, Paedetrician, ENT Surgeon, Family Physician, Cardiologist 5. Comprehensive Annual Medical Screening available at designated facilities. 6. NPI-approved immunisation includes Hepatitis B, DPT, Haemophilius Influenza B, Measles, Yellow Fever 7. Non-NPI immunisation includes Rota virus, pneumoccocal, chicken pox, typhoid fever, meningitis 8. Cancer care limited to diagnosis, radiotherapy & chemotherapy 9. Infertility consultations limited to diagnosis & prescribed medications 10. Maternity benefits available to females on family plans 11. Nationwide Emergency Evacuation includes emergency room care, investigations, surgical intervention & prescribed medications to stablise patient in emergency room only | ||||||