Health Insurance Cover

Oga Protect Plan

From

1,200,000

Yearly

Get Eyecare (lenses, glasses and frames covered) up to₦15,000

Treatment of Everyday illnesses

Free 24-hour online chat with Doctor

Access to Antenantal and Maternity care*

Access to 111 hospitals.

Dental care*

Consultation with Specialist (e.g. Paediatrician, Obsterician, Gynaecologist, Urologist etc)*

...More

Transaction Charge: , Total:
* are compulsory
cardlogos

Benefit Breakdown

DETAILED BENEFITS

SCOPE

Emergency Care & Stabilization: Ambulance transport, Emergency room stabilization

Covered

Intensive Care Services

Covered

General Consultation :Periodic health evaluation, Diagnostic,

Covered

X-rays

Covered

Specialist Consultation: Cardiologist, O& G, Paediatrician, Urology, Dermatology, Endocrinology, Neurology, Nero-surgeon, Ent, Oncologist, Cardiothoracic, Orthopaedic

Covered

Supply of Drugs

Covered

Child Care and Immunisation : BCG, Measles, DPT, OPV, HBV, Yellow Fever, Measles ,NPI+Extended

Covered

Ward Admissions :30 days P/A, including drug, test/diagnostics, Services of a dietician

Covered

Gynaecological Care

Covered

Maternity Care: Pre-natal care, Normal Delivery, Assisted, Caesarean, Post natal, Termination of pregnancy for life endangering condition, Neonatal Services

Covered

Ophthalmic Services: Surgical Services, Non-Surgical, Optical (Limit Apply)

Covered

Dental Care: Consultation and treatment

Covered

General Surgery (Caesarean Section inclusive)

Covered

Voluntary Annual Medical Check-up : Physical Examination, Organs screening, Mammogram, Lipid profile, ECG, X- CT Scan (Principal Only)

Covered

HIV Care: Preventive, Counselling and provision of ARV’s at designated centres only

N40,000

Behavioural Services: Assessment and treatment (8 OPD consults per annum)

Covered

Physiotherapy Services

Covered

Infertility Management: Testing and Diagnosis, IVF ( T & C Apply)

Covered

Dialysis Centre: Treatment of Renal Failure & Dialysis (Subject to Limit)

Private

Health Club: Subsidized Use of Gym & SPA

Covered

Personal Health Equipment (Principal Only)

Covered

Critical Illness

Covered

Travel Insurance (Principal Only)

Covered

Permanent Disability Benefit

Death Benefit (Principal Only)

N165,000

Burial Expenses Benefit (Principal Only)

N650,000

International Treatment: Only for Treatment of condition that is above local capacity

Scope : Principal, Spouse, 6 Dependants

BUY PLAN

Annual Premium

N1,200,000

BENEFITS:

1. Emergency Medical Services

a. Ambulance transport:

Covered

i. Roadside to hospital

Covered

ii. Hospital to hospital

Covered

b. Emergency room stabilization

Covered

2. Intensive care (subject to the limits of N500,000

Covered

3. Physician Services

a. General outpatient/inpatient consultation

Covered

b. Specialist outpatient/inpatient consultation

Covered

c. Routine or periodic health evaluation

Covered

d. Well-baby care

Covered

e. Well-child care

Covered

f. Diagnostic X-rays

i. Upper Limb

1. Hand/Wrist

Covered

2. Forearm (Radius/Ulna)

Covered

3. Elbow

Covered

4. Humerus

Covered

5. Shoulder

Covered

6. Clavicle

Covered

ii. Lower Limb

1. Foot/Toe

Covered

2. Ankle

Covered

3. Leg (Tibia/Fibula)

Covered

4. Knee

Covered

5. Femur or Thigh

Covered

6. Hip (Single)

Covered

7. Pelvis (AP)

Covered

8. Pelvis & Hip

Covered

iii. Thorax

1. Chest (PA/AP)

Covered

2. Chest (PA/Lateral)

Covered

3. Chest (Oblique)

Covered

4. Apical/Lordotic

Covered

5. Sternum

Covered

6. Thoracic Inlet

Covered

iv. Vertebral Spine

1. Cervical Spine

Covered

2. Lateral Neck (Soft Tissue)

Covered

3. Thoracic Spine

Covered

4. Thoracic-lumbar Spine

Covered

5. Lumbosacral Spine

Covered

v. Abdomen

1. Abdomen (Plain)

Covered

2. Abdomen (Erect/Supine)

Covered

g. Diagnostic Laboratory Tests

i. Haematology

1. ESR

Covered

2. Full Blood Count (FBC)

Covered

3. Haemoglobin

Covered

4. Malaria

Covered

5. PCV

Covered

6. RBC

Covered

7. Reticulocyte count

Covered

8. WBC

Covered

9. Platelets

Covered

10. Prothrombin time

Covered

11. Microfilaria

Covered

12. Bleeding Time

Covered

13. Clotting time

Covered

ii. Serology

1. ASO Titer

Covered

2. Coombs test

Covered

3. Heaf test

Covered

4. Other Hepatitis Strains

Covered

5. Pregnancy (blood)

Covered

6. Pregnancy (urine)

Covered

7. Rheumatoid factor

Covered

8. VDRL

Covered

iii. Blood Chemistry


1. Glucose

Covered

2. Calcium

Covered

3. Phosphorus

Covered

4. Urea

Covered

5. Creatinine

Covered

6. Uric acid

Covered

7. Albumin

Covered

8. Cholesterol

Covered

9. Triglyceride

Coveredv

10. HDL

Covered

11. LDL

Covered

12. SGOT

Covered

13. SGPT

Covered

14. Alkaline Phosphate

Covered

15. Bilirubin

Covered

16. Sodium

Covered

17. Potassium

Covered

18. Bicarbonate

Covered

19. Chloride

Covered

iv. Urine Chemistry

1. Creatinine Clearance

Covered

v. Microbiology

1. Stool Microscopy

Covered

2. Stool Occult Blood

Covered

3. Sputum ZN stain

Covered

4. Urine Microscopy, Culture & Sensitivity

Covered

5. Stool Microscopy, Culture & Sensitivity

Covered

6. Swab Microscopy, Culture & Sensitivity

Covered

7. Sputum Microscopy, Culture & Sensitivity

Covered

4. SPECIALIST CONSULTATION:

8 Visits

a. Common Specialist


1. Cardiologist/Physician

Covered

2. O & G

Covered

3. Paediatrician

Covered

b. Rare Specialist


1. Urology

Covered

2. Dermatology

Covered

3. Endocrinology

Covered

4. Neurology

Covered

5. Nero-Surgeon

Covered

6. ENT

Covered

7. Oncologist

Covered

8. Cardiothoracic

Covered

9. Orthopaedic

Covered

5. Rehabilitation Services (Outpatient Short Term Therapy)

a. Physical

12 Sessions

6A. Immunization for ages 0-5 (NPI for all plans)

i. BCG

Covered

ii. Measles

Covered

iii. DPT

Covered

iv. Oral Polio(OPV)

Covered

v. HBV

Covered

vi. Yellow fever

Covered

vii. Measles

Covered

Immunization (NPI + Extended for exclusive plan only )


viii. Meningococcal meningitis

Covered

ix. Typhoid

Covered

x. Pneumococcal (pneumovax)

Covered

xi. Rotavirus

Covered

xii. HIB

Covered

xiii. Chicken Pox

Covered

xiii Well Child Evacuation/Child Health Supervision Services

Covered

6B. Maternity Care

a. Pre-natal care

Covered

b. Normal delivery

Covered

c. Assisted delivery

Covered

d. Caesarean Section

Covered

e. Postnatal care

Covered

f. Puerperal infection

Covered

g. Physician-prescribed bed rest during pregnancy

Covered

h. Preeclampsia during the prenatal period

Covered

i. Termination of pregnancy for life-endangering conditions

Covered

j. Room and board, special diets, the services of a dietician, and skilled nursing in connection with childbirth for the mother or new-born child a vaginal delivery or a caesarean section delivery

Covered

7. Neonatal Services

Limit on incubator & phototherapy care:

N200,000

a. Incubator care:

Covered

i. Term delivery

Covered

ii. Preterm delivery

Covered

b. Phototherapy

Covered

c. Exchange blood transfusion

Covered

8. Ophthalmic Services

a. Ophthalmology:

Surgical Services(Limit)

N100,000

i. Pterygium excision

Covered

ii. Stye incision/drainage

Covered

iii. Chalazion incision/drainage

Covered

iv. Pterygium excision

Covered

v. Trabeculectomy

Covered

vi. Cataract surgery

Covered

Non-Surgical Services

vii. Consultation

Covered

viii. Follow-up

Covered

ix. Foreign body removal

Covered

x. Refraction

Covered

xi. CVF/ Glaucoma screening and treatment

Covered

xii. Intra-Ocular Pressure

Covered

xiii. Dilated fundoscopy

Covered

xiv. Diabetic & hypertensive retinopathy

Covered

b. Optical (principal only):

i. Primary care

Covered

ii. Provision of lenses viz.: unifocal, bifocal, varifocal,

contact

Covered

iii. Provision of optical frames

N25,000

Please note that unless otherwise mutually agreed by parties, these benefits shall not be transferred to spouse or dependants.

9. Dental Care

a. Simple extraction

Covered

b. Surgical extraction

Covered

c. Amalgam filling

Covered

d. Composite filling

Covered

e. Scaling & polishing (Therapeutic) (Preventive:1 per 6 months)

Covered

f. Pain therapy

Covered

g. Root Canal Therapy

Covered

Dental financial limits

Individual

=N35,000

Family = N70,000

10. Ear, Nose and Throat Care:

Primary ENT

i. Consultation

Covered

Secondary ENT

i. Foreign Body Removal

Covered

ii. Otitis

Covered

iii. Ear Syringing

Covered

11. SURGERY (Limits)

N400,000

Minor surgeries:


Surgical drainage of breast abscesses

Covered

Surgical drainage of galactocele

Covered

Sub-periosteal drainage for acute osteomyelitis

Covered

Drainage for septic arthritis

Covered

Intercostal drainage insertion

Covered

Aspiration of joints

Covered

Debridement of wounds

Covered

Surgical repair of simple wounds

Covered

Biopsy of breast lump

Covered

Tracheostomy

Covered

Thoracotomy

Covered

Drainage of paronychia

Covered

Proctoscopy

Covered

Evacuation of impacted feces

Covered

Closed reduction of fractures

Covered

Exostectomy

Covered

Chondromectomy

Covered

Ganglionectomy

Covered

Temporary diversion of urine

Covered

Circumcision

Covered

Electro fulguration of condylomataacuminata

Covered

Injection sclerotherapy of varicose veins

Covered

Incision of Accessory sinuses, mouth, salivary glands, or ducts

Covered

The reduction or manipulation of fractures of facial bones

Covered

Intermediate Surgeries:(Limit)

Tonsillectomy for children (less than 12yrs)

Covered

Vasectomy

Covered

Excision of tumor on abdominal wall

Covered

Excision-biopsy of breast mass

Covered

Biopsy of tumor on abdominal wall

Covered

Biopsy of bone tumor

Covered

Inguinal herniorraphy

Covered

Femoral herniorraphy

Covered

Excision of lesions, cysts, tumors of the mandible, mouth, lip, or tongue

Covered

Ventral herniorraphy

Covered

Appendectomy

Covered

Major Surgeries:(Limit)

Caesarean section delivery

Covered

Biopsy of thyroid gland

Covered

Oophorectomy

Covered

Surgical drainage of hematoma of rectus abdominus

Covered

Surgical drainage of peritoneal abscess

Covered

Laparotomy

Covered

Laparotomy and biopsy of disease viscera in abdominal cavity

Covered

Repair of colostomy

Covered

Anal sphincteroplasty

Covered

Excision-Ligation Hemorrhoidectomy

Covered

Milligan’s procedure

Covered

Surgical drainage of anal abscess

Covered

Polypectomy

Covered

Sequesrectomy

Covered

Saucerization of chronically infected bone

Covered

Surgical excision of soft tissue tumor

Covered

Excision-biopsy of soft tissue tumors

Covered

Surgical drainage of hand abscess

Covered

Orchidopexy

Covered

Hydroceleoctomy

Covered

Excision of Intrascrotal mass

Covered

Surgery for torsion of spermatic cord

Covered

Varicocelectomy

Covered

Sigmoidoscopy

Covered

Theirsch’s procedure

Covered

Lord’s procedure

Covered

Epigasticherniorraphy

Covered

Dissection of femoral triangle

Covered

Dissection of inguinal nodes

Covered

Venoplasty

Covered

Division of perforating veins

Covered

Prostatectomy

Covered

Myomectomy

Covered

Hysterectomy

Covered

Thyroidectomy

Covered

Surgical Services and related Diagnostic Services for the treatment of Temporomandibular Joint Dysfunction (TMJ) or other deformities of the jaw, including orthognathic surgery, osteotomy, or any surgical repositioning of portions of the upper or lower jaws or the bodily repositioning of entire jaws

Covered

12. Health Maintenance and preventive services

a. Annual comprehensive Medical Examination

i. Physical Examination

Covered

ii. Full blood count

Covered

iii. Urinalysis

Covered

iv. Blood sugar test

Covered

v. Chest X-ray

Covered

vi. Cervical Screening

Covered

vii. Prostate Screening (age 40 and above)

Covered

viii. Mammogram (age 35 and above) OR breast scan (age 30 and above)

Covered

ix. Lipid profile

Covered

x. ECG

Covered

b. Annual Basic Medical Examination (All plans)

i. Physical Examination

Covered

ii. Full blood count

Covered

iii. Urinalysis

Covered

iv. Blood sugar test

Covered

v. Chest X-ray

Covered

13. HIV Prevention & Counselling

Covered

1. Preventive and Counselling

Provision of ARV’s at designated centres only

14. Hospital Inpatient Services

Ward Eligibility: (30 days per year)

Private

a. Special diets

Covered

b. Services of a dietician

Covered

c. Skilled nursing

Covered

d. Use of operating, delivery, cast, and treatment rooms and equipment

Covered

e. Prescribed drugs administered while the Enrolees is an Inpatient.

Covered

f. Medical and surgical dressings, supplies, casts, and splints that have been ordered by a Physician for Covered Services

Covered

g. Oxygen and administration of oxygen

Covered

h. Basic imaging (including X-rays)

Covered

i. Basic Serologic Investigations

Covered

· Full blood count

· Erythrocyte sedimentation rate

· Urinalysis

· Widal

· Malaria parasite

· Fasting blood sugar

· Blood grouping

· Genotype

· HIV test

· Hepatitis B serum antigen test

j. Intermediate Imaging Investigations – CT Scan, ECG, Breast scan

Covered

. Intermediate Serologic Tests

Covered

· Hormone profiling

· Hepatitis panel

· E/U/Cr

· Lipid profile

· H-Pylori test

· PSA

· Liver Function Tests

· Sputum tests

· Other general blood tests

· Swab MCS

k. Advanced Investigations:

· MRI

Covered

· Echocardiogram

Covered

· Mammogram

Covered

15. Behavioural Health Services

a. valuation and treatment of conditions, which are responsive to Time Limited Treatment.

Covered

b. Severe Mental Illness i.e. any of the following:

Covered

i. Schizophrenia

Covered

ii. Bipolar disorder (manic-depressive illness)

Covered

iii. Major depressive disorder

Covered

iv. Panic disorder

Covered

v. Obsessive-compulsive disorder

Covered

vi. Schizoaffective disorder

Covered

c. Individual Psychotherapy

Covered

d. Group Psychotherapy

Covered

e. Psychological Testing

Covered

f. Family Counselling – Counselling with family members to aid diagnosis and treatment

Covered

g. Outpatient Psychiatric Care Services( 8 OPD Consult)

Covered

16. Infertility Services (Testing and Diagnosis Only)

a. Consultation with a reproductive endocrinology/infertility specialist

Covered

b. Complete semen analysis

Covered

c. Hysterosalpingogram, as an initial test of tubal patency, unless contraindicated

Covered

d. Medically Necessary laboratory testing to determine cause of infertility

Covered

e. Hysteroscopy

Covered

f. Mid-luteal endometrial biopsy

Covered

g. In Vitro Fertilization (IVF)

Available ( T & C Apply)

17. Family Planning/Birth Control

a. Depo Provera (injection)

Covered

b. IUDs

Covered

c. Norplant insertion

Covered

d. Norplant removal

Covered

e. Oral contraceptives

Covered

18. Dialysis Hospital/Dialysis Centre

a. In-patient treatment of Acute renal disease subject to bed-day limits indicated in schedule of benefit above

3 Dialysis

b. Chronic renal disease (subject to limits per plan as stated above)

3 Dialysis

19. Patient Education

Patient education classes are covered for the following diagnoses:

Covered

a. Prenatal childbirth – for pregnant mothers

Covered

b. Diabetes

Covered

c. Asthma

Covered

20. Health Club: Subsidized Use of Gym & SPA

Covered

use of GYM (Limit: 100,000.00)

24 Sessions

use of SPA (50,000.00)

2 Per annum

21. Personal Health Equipment (Principal Only)

Covered

22. Critical Illness (N3,000,000.00)

Covered

23. Travel Insurance (Principal Only) (Limit: 2 Months)

worldwide

24. Permanent Disability Benefit: (Limit:N1,500,000.00)

Covered

25. Death Benefit (Principal Only) (Limit: N1,500,000.00)

Covered

26. Burial Expenses Benefit (Principal Only)(Limit: N 500,000.00)

Covered

27. International Treatment: Only for Treatment of condition that is above local capacity

Available ( T & C Apply)

Annual PREMIUM

1,200,000.00

Corporate
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Family & Personal
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This plan provide quality health care for the peculiar health needs of our loved ones from the age of 60 to 85 through our nationwide hospital network.