As an individual, you want to have the kind of healthcare that is well-suited to your stage in life. Whether you are just starting out, mid-career or can afford the finer things in life, you want an affordable health plan that has been created just for you.

We offer a robust individual plans that meet your health care needs and suits your budget.

...BENEFITSBLUE PLANORANGE PLANPURPLE PLANGREEN PLAN
PREMIUMN34,800.00 - per annumN74,000.00 - per annumN114,000.00 - per annumN198,000.00 - per annum
1PRIMARY OUT-PATIENT CARE
RegistrationCoveredCoveredCoveredCovered
General consultationCoveredCoveredCoveredCovered
Specialist consultation (Paediatric, Internal medicine, Obstetrics & Gynaecology, General Surgery, Orthopaedic & ENT)Covered (all)Covered (all)Covered (all)Covered (all)
Routine laboratory investigationCoveredCoveredCoveredCovered
Prescription and drugsCoveredCoveredCoveredCovered
PhysiotherapyCovered (max. 3 sessions per annum)Covered (max. 5 sessions per annum)Covered (max. 7 sessions per annum)Covered (max. 10 sessions per annum)
Orthothics for In & Out patients - For treatments related to injuries such as sprains or strains limited to musculoskeletal orthotics such as splints only.Not CoveredNot CoveredCoveredCovered
2IN-PATIENT CARE
General Physicians reviewCoveredCoveredCoveredCovered
Specialist review (As covered under Specialist Consultation)CoveredCoveredCoveredCovered
AdmissionStandard WardDouble Bedded Semi-Private WardPrivate WardPrivate Ward
Feeding (provided by hospital)CoveredCoveredCoveredCovered
Nursing careCoveredCoveredCoveredCovered
Routine laboratory investigationsCoveredCoveredCoveredCovered
Prescription, drugs and consumablesCovered (All primary line drugs covered. Systemic drugs for diabetics and Hypertension Generic drugs only subject to due authorization by LifeWORTH HMO)Covered (All primary line drugs covered. Systemic drugs for diabetics and Hypertension Generic drugs only subject to due authorization by LifeWORTH HMO)Covered (All primary line drugs covered. Systemic drugs for diabetics and Hypertension Generic drugs only subject to due authorization by LifeWORTH HMO)Covered (All primary line drugs covered. Systemic drugs for diabetics and Hypertension Generic drugs only subject to due authorization by LifeWORTH HMO)
Services of a dieticianNot CoveredNot CoveredCovered (2 visits per annum)Covered (4 visits per annum)
Intensive care unit (24 hours)Covered (Stabilization Only)Covered (Stabilization Only - 24hrs)Maximum of 3 DaysMaximum of 7 Days
3RADIOLOGICAL & SPECIALIZED INVESTIGATIONS
Plain x-rays for diagnosis. Upper limb e.g. hand/wrist, forearm, elbow, humerus, shoulder, clavicle. Lower limb e.g. foot/toes, joints, long bones, pelvis & hip. Thorax e.g. chest (AP/PA) - All views. Vertebral Spine e.g. cervical spine, lateral neck (soft tissue), thoracic spine, thoracic lumber spine, lumboscaral spineCoveredCoveredCoveredCovered
Ultrasound (abdominal & pelvic)CoveredCoveredCoveredCovered
Electrocardiogram (ECG), Exercise ECG (stress test), EchocardiographyCovered (ECG only)Covered (ECG & Exercise ECG)Covered (ECG, Exercise ECG & Echocardiography)Covered (All)
CT scanNot CoveredCovered (only in life-threatening emergencies)CoveredCovered
MRI scanNot CoveredNot CoveredCovered (only in life-threatening emergencies)Covered
Diagnostic procedures (endoscopy, colonoscopy et al)Not CoveredNot CoveredCovered (only in life-threatening emergencies)Covered
EEGNot CoveredNot CoveredCoveredCovered
Marrow biopsyNot CoveredNot coveredCoveredCovered
MyelogramNot CoveredNot CoveredNot CoveredCovered
Laparoscopy investigationNot CoveredNot CoveredCovered (only in life-threatening emergencies)Covered
Diagnostic x-ray (In & Out patient)CoveredCoveredCoveredCovered
Upper limb e.g. hand/wrist, forearm, elbow, humerus, shoulder, clavicleCoveredCoveredCoveredCovered
Lower limb e.g. foot/toes, joints, long bones, pelvis & hipCoveredCoveredCoveredCovered
Thorax e.g. chest (AP/PA) - All viewsCoveredCoveredCoveredCovered
Vertebral Spine e.g. cervical spine, lateral neck (soft tissue), thoracic spine, thoracic lumber spine, lumboscaral spineCoveredCoveredCoveredCovered
Hematology e.g. haemoglobin, PCV, platelets, FBC, Prothrombin time, reticulocyte count, ESR, RBC, WBC, DIFF, bleeding count, clotting time, malaria, microfilaria, HB genotype, Blood grouping, Pregnancy test (urine & Blood)CoveredCoveredCoveredCovered
Serology limited to preliminary HIV screening onlyCoveredCoveredCoveredCovered
Urine chemistry e.g. urinalysis, creatinine clearanceCovered (Urinalysis Only)Covered (Urinalysis Only)CoveredCovered
Blood chemistry e.g. Glucose, Electrolytes, Urea, Creatinine, Uric acid, Albumin, Cholesterol, Triglyceride, HDL, LDLCovered (all)Covered (all)Covered (all)Covered (all)
Hormone Assay e.g. Thyroid hormonesNot CoveredNot CoveredCoveredCovered
Microbiology e.g. Urine microscopy, culture & sensitivity, Stool microscopy, culture & sensitivity, Stool occult blood, swab microscopy, culture & sensitivity, sputum microscopy, culture & sensitivity, sputum ZN Stain.CoveredCoveredCoveredCovered
4MATERNITY SERVICES
Antenatal careCoveredCoveredCoveredCovered
Normal deliveryCoveredCoveredCoveredCovered
Induction of laborCoveredCoveredCoveredCovered
Assisted deliveryCoveredCoveredCoveredCovered
Emergency/Clinically Indicated CS and treatmentCovered (Limit of N100,000.00 subject to recovery from client)Covered (Limit of N200,000.00 subject to recovery from client)Covered (Limit of N250,000.00 subject to recovery from client)Covered (Limit of N350,000.00 subject to recovery from client)
Elective C/S on RequestNot CoveredNot CoveredNot CoveredCovered (within covered limit)
Post natal care for mums (Up to 6 weeks)CoveredCoveredCoveredCovered
Preterm deliveryCoveredCoveredCoveredCovered
Elective C/S on RequestNot CoveredNot CoveredNot CoveredCovered
Family Planning (IUCDs, Injectibles, Oral Contraceptives, Norplant)Covered (Oral Contraceptives only)Covered (IUCD & Oral Contraceptives)Covered (All)Covered (All)
5CHILD CARE AND PEDIATRIC SERVICES
Post natal primary care for new bornCovered (within 6 weeks if covered on family plan)Covered (within 6 weeks if covered on family plan)Covered (within 6 weeks if covered on family plan)Covered (within 6 weeks if covered on family plan)
Emergency care for new born limited to resuscitationCoveredCoveredCoveredCovered
Routine immunizations (NPI) OPV, DPT, BCG, measles, Vit A, pentavalent, HBV, Yellow feverCoveredCoveredCoveredCovered
Other immunizations (Non-NPI)-, rotavirus, chicken pox, MMR, PneumococalNot CoveredNot CoveredRotavirus & Peumococcal OnlyCovered
General consultationCoveredCoveredCoveredCovered
Pediatric consultationCoveredCoveredCoveredCovered
Child care counselingCoveredCoveredCoveredCovered
Incubator careNot CoveredCovered for the first 3 days of life only.Covered for the first 5 days of life only.Covered for the first 7 days of life only.
Exchange blood transfusionNot CoveredCoveredCoveredCovered
PhototherapyCovered as with incubator care limitsCovered as with incubator care limitsCovered as with incubator care limitsCovered as with incubator care limits
Meningococcal meningitisNot coveredNot coveredNot CoveredCovered
Well child evaluation/child health supervision services (until age 12)CoveredCoveredCoveredCovered
6DENTAL CARE
Routine examinationCoveredCoveredCoveredCovered
Pain relief/therapyCoveredCoveredCoveredCovered
Amalgam/ Composite fillingsCovered up to Limit of N7,500Covered up to Limit of N10,000Covered up to Limit of N15,000Covered up to Limit of N25,000
Scaling & polishing (annual)Covered (1 session only per annum)Covered (1 session only per annum)Covered (2 session only per annum)Covered (2 session only per annum)
Simple extractionCovered up to Limit of N7,500Covered up to Limit of N10,000Covered up to Limit of N15,000Covered up to Limit of N25,000
Surgical extraction/ Root canal therapyNot CoveredCovered up to Limit of N10,000Covered up to Limit of N20,000Covered up to Limit of N30,000
Dental preventive careCoveredCoveredCoveredCovered
7EYE CARE
Optical consultationCoveredCoveredCoveredCovered
Routine examinationCoveredCoveredCoveredCovered
Treatment of simple/primary infection (e.g. conjunctivitis)CoveredCoveredCoveredCovered
Optical lenses only (per year)Covered to the limit of N10,000.00 per person per annum.Covered to the limit of N15,000.00 per person per annum.Covered to the limit of N25,000.00 per person per annum.Covered to the limit of N30,000.00 per person per annum.
Foreign body removalCoveredCoveredCoveredCovered
Eye simple surgeriesNot coveredCovered (Pterygiun excision only)Covered (Pterygiun excision only)Covered (Pterygiun excision only)
Contact lensNot coveredNot coveredCovered (up to lens limits)Covered (up to lens limits)
RefractionCoveredCoveredCoveredCovered
Glaucoma treatment and drugsNot coveredNot coveredCoveredCovered
Glaucoma checkingNot CoveredNot CoveredCoveredCovered
8SURGERIESGlobal Limits of up to N150,000 per annum for Minor and Intermediate SurgeriesGlobal Limits of up to N200,000 per annum for Minor, Intermediate and Major SurgeriesGlobal Limits of up to N250,000 per annum for Minor, Intermediate and Major SurgeriesGlobal Limits of up to N350,000 per annum for Minor, Intermediate and Major Surgeries
MINOR SURGERIES AND PROCEDURES
Surgical drainage of simple abscesses
Surgical drainage of breast abscesses
Surgical drainage of galactocele
Sub-periosteal drainage for acute osteomylitis
Drainage for septric arthritis
Intercostal drainage insertion
Aspiration of joints
Debridement of wounds
Surgical repair of wounds
Biopsy of breast lump
Biopsy of tumor on abdominal wall
Biopsy of bone marrow
Excision of tumor on abdominal wall
Proctoscopy
Evacuation of impacted feaces
Closed reduction of fractures
Closed reduction and immobilization of joint dislocations
Exostectomy
Chondromectomy
Ganglionectomy
Temporary diversion of urine
Circumcision
Electro fulguration of condylomata acuminata
Suprapubic cystostomy
Vasectomy
Venous obstruction-saphenous by pass
9INTERMEDIATE SURGERIES & PROCEDURES
Tracheotomy
Thoractomy
Adenolectomy
Tonsillectomy for children (less than 12 years)
Injection sclerotherapy of varicose veins
Excision-biopsy of breast mass
Biopsy of thyriod gland
Surgical drainage of hamatoma of rectus abdominus
Surgical drainage of peritoneal abscesses
Repair of colostomy
Anal sphincteroplasty
Excision-ligation hemorrhoidectomy
Surgical excision of soft tissue tumor
Excision-biopsy of soft tissue tumor
Surgical drainage of hand abscesses
Herniorrhaphy (inguinal, ventral & femoral)
Uncomplicated Appendectomy Only
10MAJOR SURGERIES & PROCEDURES
HysterectomyNot Covered
MyomectomyNot Covered
ProstatectomyNot Covered
Other Major complex surgeries (requiring implants)Not Covered
11CHRONIC AILMENT CARE MANAGEMENT SPECIALIST
HypertensionCoveredCoveredCoveredCovered
DiabetesCoveredCoveredCoveredCovered
AsthmaCoveredCoveredCoveredCovered
Peptic ulcerCoveredCoveredCoveredCovered
Angina/myocardial infarctionNot CoveredNot CoveredNot CoveredCovered
Sickle cell diseaseCovered to a limit of 2 pints of blood per annum where transfusion is required)Covered to a limit of 3 pints of blood per annum where transfusion is required)Covered to a limit of 4 pints of blood per annum where transfusion is required)Covered to a limit of 5 pints of blood per annum where transfusion is required)
Tuberculosis (Counselling and primary investigation only)CoveredCoveredCoveredCovered
Tuberculosis TreatmentNot CoveredNot CoveredNot CoveredNot Covered
ArthritisCoveredCoveredCoveredCovered
EpilepsyNot CoveredNot CoveredNot CoveredCovered
Benign prostrate hyperplasiaNot CoveredCoveredCoveredCovered
HyperlipidemiaNot CoveredCoveredCoveredCovered
Psychosis (depression)CoveredCoveredCoveredCovered
Acute renal dialysis (emergencies only)Not CoveredNot CoveredCovered to a limit of 2 sessions per annumCovered to a limit of 3 sessions per annum
12HIV/AIDS MANAGEMENT (NACA PROGRAMME)
CounselingCoveredCoveredCoveredCovered
ScreeningCovered but limited to primary investigations onlyCovered but limited to primary investigations onlyCovered but limited to primary investigations onlyCovered but limited to primary investigations only
Treatment ; Referral ONLY (at designated Governement health Centres)CoveredCoveredCoveredCovered
13ANNUAL MEDICAL CHECK UP
Routine clinic examinations (with no lab investigations), height, weight, BMI, blood pressure, other vitals (Principals only)CoveredCoveredCoveredCovered
Routine clinic examinations (with lab investigations), urinalysis, blood sugar, HB/PCV, pap smear, PSA (Principals only)Not CoveredNot CoveredCoveredCovered
14ACCIDENTS AND EMERGENCIES
StabilizationCoveredCoveredCoveredCovered
Emergency drugs and investigationCoveredCoveredCoveredCovered
Ambulance Evacuation (Locally from Hospital to Hospital and/or site of injury to Hospital only)CoveredCoveredCoveredCovered
15WELLNESS AND FITNESS
CounselingCoveredCoveredCoveredCovered
ConsultationCoveredCoveredCoveredCovered
Quarterly health education talks and programme with health checkCoveredCoveredCoveredCovered
16ACCESS TO 24 HOUR HELP LINECoveredCoveredCoveredCovered
17Behavioral Health Services
Psychological testingCoveredCoveredCoveredCovered
Family counseling - counseling with family members to aid diagnosis and treatmentCoveredCoveredCoveredCovered
Outpatient psychiatric care servicesCovered (1 week)Covered (2 weeks)Covered (3 weeks)Covered (5 weeks)
Psychiatric care drugsCovered (1 week)Covered (2 weeks)Covered (3 weeks)Covered (5 weeks)
Psychosis (depression)Covered (1 week)Covered (2 weeks)Covered (3 weeks)Covered (5 weeks)
18Cancer Treatment (Radiotherapy, Chemotherapy)
Counseling/First ConsultationCoveredCoveredCoveredCovered
preliminary diagnosisNot coveredNot coveredCoveredCovered
Supply of prescription drugs for supportive management and chemotherapyNot coveredNot coveredNot coveredNot covered
Inpatient hospital services for the following: Inpatient care following a mastectomy, Inpatient care following a lymph node dissection for the treatment of breast cancerNot coveredNot coveredNot coveredNot covered

Please note that Individual Policy Holders are not entitled to ANC (Antenatal care) and Maternity care.