Health Insurance Cover

Wellness
HMO

Wellness Health Insurance is a pacesetter in Health Maintenance Organization (HMO) services in Nigeria, was established to positively revolutionize healthcare financing and delivery in Nigeria.
Our enrolees enjoy seamless access to care through our affordable premiums, flexible and responsive approach to ensure all concerns are resolved

HMO PLANS

Corporate
Health Plan

This health insurance is designed just for corporate entities, with several benefits and services you can’t imagine.

Family & Personal
Health Plan

This is a tailored to suit specific health needs of individuals and families with benefits structured to ensure your Wellness all year round (for ages 59 years and below)

Wellness
on the Go

You have the choice to access healthcare on the go at any time and pay for just the care you need even if you don’t have a health insurance plan

Corporate
Health Plan

This health insurance is designed just for corporate entities, with several benefits and services you can’t imagine.

Family & Personal
Health Plan

This is a tailored to suit specific health needs of individuals and families with benefits structured to ensure your Wellness all year round (for ages 59 years and below)

Oga Protect
Plan

This is a unique premium healthcare solution created specifically for business owners and entrepreneurs

Oga Protect
Plan

This is a unique premium healthcare solution created specifically for business owners and entrepreneurs

Senior Citizen
Plan

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.

BENEFITS	GUARD	SHIELD	PREMIUM	PREMIUM+	EXCLUSIVE
HOSPITALIZATION (ACCOMMODATION & FEEDING) Private Room	Not Covered	Not Covered	Covered	Covered	Covered
PRIMARY IMMUNISATIONS (BASED ON NPI SCHEDULE)
BCG	Covered	Covered	Covered	Covered	Covered
OPV	Covered	Covered	Covered	Covered	Covered
DPT	Covered	Covered	Covered	Covered	Covered
Measles	Covered	Covered	Covered	Covered	Covered
Yellow Fever	Covered	Covered	Covered	Covered	Covered
Vitamin A	Covered	Covered	Covered	Covered	Covered
Hepatitis B	Covered	Covered	Covered	Covered	Covered
SECONDARY IMMUNISATION	Not Covered	Not Covered	Covered	Covered	Covered
ADULT VACCINATION	Not Covered	Not Covered	Not Covered	Not Covered	Covered
LABORATORY INVESTIGATIONS DIAGNOSTICS INVESTIGATIONS	Covered	Covered	Covered	Covered	Covered
DRUGS Supply of Drugs Prescribed	Covered	Covered	Covered	Covered	Covered
PHYSIOTHERAPY	5 SESSIONS	7 SESSIONS	10 SESSIONS	12 SESSIONS	15 SESSIONS
MENTAL HEALTH	Covered	Covered	Covered	Covered	Covered
DENTAL CARE ( LIMIT PER SINGLE/FAMILY APPLIES)	N10,000/N25,000	N15,000/N35,000	N25,000/N55,000	N30,000/N75,000	N40,000/N85,000
Dental Consultation Scaling & Polishing (limit of two years yearly)	Covered	Covered	Covered	Covered	Covered
OPTICAL CARE	Covered	Covered	Covered	Covered	Covered
Lenses (Either Unifocal, bifocal, or varifocal lenses and frame with a limit of once every 2 years)	Covered (Principal only with a Limit of N10,000)	Covered (Principal only with a Limit of N15,000)	Covered (Principal, Spouse & four Children each with a family limit of N80,000)	Covered (Principal, Spouse & four Children each with a family limit of N120,000)	Covered (Principal, Spouse & four Children each with a family limit of N150,000)
OPTHALMOLOGY SURGICAL PROCEDURES (limit applies)	N30,000	N50,000	N70,000	N80,000	N120,000
Limit on Terminal illness (Cancer, Kidney, Stroke and Liver disease)	N200,000	N300,000	N500,000	N100,000,000	N200,000,000
EMERGENCY SERVICES
Ambulance (Hospital-to-Hospital transfer)(For Immobile Enrollees Only)	Covered	Covered	Covered	Covered	Covered
Ambulance (Site-to-Hospital transfer)(For Immobile Enrollees Only)	Covered	Covered	Covered	Covered	Covered
Emergency Stabilization and Resuscitation Management only	Covered	Covered	Covered	Covered	Covered
NEONATAL SERVICES (limit applies)	N35,000	N50,000	N75,000	N75,000	N100,000
Surgical Procedure (LIMIT APPLIES) GENERAL SURGERY	N100,000	N200,000	N400,000	N600,000	N750,000
OBSTECTRICS/GYNEACOLOGICAL MATERNITY SERVICES	Covered	Covered	Covered	Covered	Covered
GROUP DISCOUNT PREMIUM IN NAIRA	INDIVIDUAL/FAMILY	INDIVIDUAL/FAMILY	INDIVIDUAL/FAMILY	INDIVIDUAL/FAMILY	INDIVIDUAL/FAMILY
40-100	38,200/191,000	51,300/256,500	85,500/427,500	140,000/700,000	215,000/1,075,000
101-250	35,200/176,000	48,500/242,500	82,500/412,500	135,000/675,000	210,000/1,050,000
251 – 500	32,200/161,000	45,850/229,250	79,500/397,500	130,000/650,000	205,000/1,025,000
ABOVE 500	30,000/150,000	42,000/210,000	75,500/377,500	125,000/625,000	200,000/1,000,000

BENEFITS	GUARD	SHIELD	PREMIUM	EXCLUSIVE
Emergency Care and Stabilization	Covered	Covered	Covered	Covered
Intensive Care Services	Covered	Covered	Covered	Covered
General Out-Patient Consultation	Covered	Covered	Covered	Covered
Specialist Consultation	Covered	Covered	Covered	Covered
Supply of Drugs	Covered	Covered	Covered	Covered
Pharmacy Benefit Scheme	Covered	Covered	Covered	Covered
Routine Immunization (0-5years) BCG Measles DPT Oral Polio(OPV) HBV Yellow fever	Covered	Covered	Covered	Covered
Additional Immunization Meningococcal meningitis Typhoid Pneumococcal Rotavirus HIB Chicken Pox	Not Covered	Not Covered	Covered	Covered
Routine Laboratory Investigations	Covered	Covered	Covered	Covered
Basic X-Rays	Covered	Covered	Covered	Covered
Advanced Investigation CT Scan & ECG*	Covered	Covered	Covered	Covered
Maternity Care (FAMILY PLAN ONLY):Antenatal Normal Delivery Assisted Delivery Post natal (6 weeks) Cesarean Section not effective until after 12 months	Covered	Covered	Covered	Covered
Primary Eye Care	Covered	Covered	Covered	Covered
Eye Surgery	Covered	Covered	Covered	Covered
Biennial Lens + Frame (Principal Only)	N10,000	N15,000	N25,000	N40,000
Primary Dental Care Consultation Scaling and Polishing Pain Relief Composite/Amalgam Filling	Covered	Covered	Covered	Covered
Secondary Dental Care Surgical Extraction Root Canal Therapy	Not Covered	Not Covered	Covered	Covered
General Surgery (applies per head) not effective until after 6months	Covered	Covered	Covered	Covered
Ward Admission (including feeding)	Standard	Standard	Semi-Private	Private
Psychiatric Care (8 OPD consults per annum)	Covered	Covered	Covered	Covered
Physiotherapy Services (Up to approved limits)	Covered	Covered	Covered	Covered
Treatment of Renal Failure & Dialysis	Not Covered	Covered	Covered	Covered
Choice of Hospital	Guard Hospital	Shield Hospital	Premium Hospital	Exclusive Hospital
Mortuary Services (up to the limit of ₦50,000)	Covered	Covered	Covered	Covered
Individual Premium Per Year	N32,000	N45,000	N68,000	N165,000
Family Premium Per Year	N138,250	N191,250	N275,000	N650,000
				BUY PLAN

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

Health Insurance Cover

WellnessHMO

HMO PLANS

Corporate Health Plan

Family & Personal Health Plan

Wellness on the Go

Corporate Health Plan

Family & Personal Health Plan

Oga Protect Plan

Oga Protect Plan

Senior Citizen Plan

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Corporate Health Plan

₦

38,200

Yearly

Voluntary Annual Comprehensive Medical Check-up

General Outpatient Consultation

Specialist Consultation

Primary and Secondary Dental care

Physiotherapy Services(Up to approved limits)

Eye Surgeries

Maternity Care (Family plan only)

Pharmacy Benefit Scheme

...more

Benefit Breakdown

Family & Personal Health Plan

₦

32,500

Yearly

Emergency Care & stabilization

Pharmacy Benefit Scheme

Special Baby Care unit

Intensive Care Services

Routine Laboratory Investigations

Routine Immunization

General Outpatient Consult

Advanced Investigation

Infertility Management

Specialist Consultation

Gynecological Care

Primary Eye Care

Supply of Drugs

Maternity Care (family plan only)

...more

Benefit Breakdown

Oga Protect Plan

₦

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

Benefit Breakdown

Senior Citizen Plan​

₦

250,000

Yearly

Outpatient consultation​

Accident an Emergency​

Intensive Care Unit​

Specialist Consultation​

In-patient Consultations​

Supply of drugs and Medications​

Basic X-rays and C. T. Scan​

Wellness
HMO

Corporate
Health Plan

Family & Personal
Health Plan

Wellness
on the Go

Corporate
Health Plan

Family & Personal
Health Plan

Oga Protect
Plan

Oga Protect
Plan

Senior Citizen
Plan

Senior Citizen Plan

Outpatient consultation

Accident an Emergency

Intensive Care Unit

Specialist Consultation

In-patient Consultations

Supply of drugs and Medications

Basic X-rays and C. T. Scan

Routine Laboratory Investigations

Gynecology consultation

Primary Eye Care

Bi-ennial Eye lens

Dental Care

Dietary Consultation

Ward Admission

...More

WELLNESS
PHARMACY

WELLNESS
MEDICAL DISTRIBUTION