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
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 |
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 | |
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
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
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.
