Service Description | Strawberry | Cranberry | Blueberry | Blackberry | Raspberry |
|---|---|---|---|---|---|
Premium/Individual/Year | ₦69,998.50 | ₦98,527.00 | ₦169,884.00 | ₦390,650.00 | ₦636,480.00 |
Region of cover | Nigeria | Nigeria | Nigeria & India | Nigeria & India & Africa | Nigeria & India & Africa |
Category Hospital Accessible (Refer to Hospital list please) | Category D hospitals | Category D hospitals | Category C+D hospitals | Category B+C+D hospitals | Category A+B+C+D hospitals |
TELEMEDICINE SERVICES | |||||
Chat with Doctors and Nurses when in need of care during any medical emergency | Covered | Covered | Covered | Covered | Covered |
Free chats with Doctors and Nurses when in need of any routine medical information | Covered | Covered | Covered | Covered | Covered |
GPS-enabled access to hospital directories when hospital information is needed | Covered | Covered | Covered | Covered | Covered |
OUT-PATIENT SERVICES | |||||
Out-patient Limit | ₦150,000 | ₦250,000 | ₦300,000 | ₦500,000 | ₦500,000 |
Out-patient care, General & Specialist Consultation | Subject to Out-patient limit | Subject to Out-patient limit | Subject to Out-patient limit | Subject to Out-patient limit | Subject to Out-patient limit |
X-Rays, Laboratory & Diagnostics Tests (Including Rest ECG) | Subject to Out-patient limit | Subject to Out-patient limit | Subject to Out-patient limit | Subject to Out-patient limit | Subject to Out-patient limit |
Primary Eye Care- Consultation, Examination, Simple or Primary Infection or conditions & Medications | Subject to Out-patient limit | Subject to Out-patient limit | Subject to Out-patient limit | Subject to Out-patient limit | Subject to Out-patient limit |
ENT Services | Subject to Out-patient limit | Subject to Out-patient limit | Subject to Out-patient limit | Subject to Out-patient limit | Subject to Out-patient limit |
Prescribed Medicines & Drugs (Non-Chronic) | Subject to Out-patient limit | Subject to Out-patient limit | Subject to Out-patient limit | Subject to Out-patient limit | Subject to Out-patient limit |
Prescribed Medicines & Drugs (Chronic) | ₦50,000 | ₦75,000 | ₦100,000 | ₦150,000 | ₦200,000 |
Advanced & Complex Investigations (including CT Scan, MRI Scan) | Emergency | Emergency | Emergency | Subject to Out-patient limit | Subject to Out-patient limit |
IN-PATIENT SERVICES | |||||
In-patient Limit | ₦350,000 | ₦500,000 | ₦750,000 | ₦2,000,000 | ₦2,000,000 |
In-Patient services (including feeding) | General Ward | Semi Private Ward | Private Ward | Private Ward | Private Ward |
X-Rays, Laboratory & Diagnostics Tests | Subject to In-patient limit | Subject to In-patient limit | Subject to In-patient limit | Subject to In-patient limit | Subject to In-patient limit |
Prescribed Medicines & Drugs (Non-Chronic) | Subject to In-patient limit | Subject to In-patient limit | Subject to In-patient limit | Subject to In-patient limit | Subject to In-patient limit |
Physiotherapy Sessions (Up to approved limits) | ₦10,000 | ₦20,000 | ₦30,000 | ₦40,000 | ₦40,000 |
Intensive Care Services (Subject to 12 months moratorium) | ₦100,000 | ₦200,000 | ₦300,000 | ₦400,000 | ₦500,000 |
Advanced & Complex Investigations (including CT Scan, MRI Scan) | Emergency | Emergency | Emergency | Emergency | Emergency |
SURGICAL SERVICES | |||||
Minor, Intermediate, Major Surgeries & Procedures (Subject to In-patient Limits & 3 months moratorium) | Up to a limit of ₦250,000 | Up to a limit of ₦300,000 | Up to a limit of ₦400,000 | Up to a limit of ₦1,000,000 | Up to a limit of ₦1,000,000 |
ANTENATAL SERVICES | |||||
Antenatal Care, Delivery (Vaginal, Caeserean Section, Assisted delivery & Postnatal care) 12 months moratorium applies Prescribed Medicines & Drugs (Non-Chronic) | ₦200,000 | ₦250,000 | ₦300,000 | ₦800,000 | ₦850,000 |
DENTAL | |||||
Primary Dental Care Secondary Dental Care | Covered up to ₦10,000 | Covered up to ₦20,000 | Covered up to ₦40,000 | Covered up to ₦50,000 | Covered up to ₦450,000 |
OPTICAL | |||||
Eye Testing & Eye Care (Biennial Optical Lenses) Subject to 3 months moratorium | Up to ₦7,500 | Up to ₦10,000 | Up to ₦15,000 | Up to ₦25,000 | Up to ₦25,000 |
OTOLARYNGOLOGICAL (Ear, nose & throat) | |||||
Treatment of ENT diseases & removal of foreign bodies | Covered | Covered | Covered | Covered | Covered |
ENT Surgeries | As part of surgical limit | As part of surgical limit | As part of surgical limit | As part of surgical limit | As part of surgical limit |
OTHER BENEFITS | |||||
Accidents & Emergencies | Covered | Covered | Covered | Covered | Covered |
Evacuation (Home/Hospital to Hospital & Road Side to Hospital) | Covered | Covered | Covered | Covered | Covered |
Routine Immunization (NPI) for 0-5yrs DPT, Hepatitis B, HiB (Pentavalent), BCG, Measles, Oral Polio, Vitamin A Supplementation | Covered | Covered | Covered | Covered | Covered |
Additional Immunization for under 5 (Varicella, Rotarix, Pneumococcal, Meningococcal, Yellow fever, Hepatitis B, HiB, MMR & Typherix) at Designated Centre | Not Covered | MMR & Yellow fever | Covered | Covered | Covered |
Family Planning Services (Subject to Outpatient Limit) | Pills, Injectibles & Copper IUCDs | Pills, Injectibles & Copper IUCDs | Pills, Injectibles & Copper IUCDs, Tubal ligation (during CS) & Vasectomy | Pills, Injectibles & Copper IUCDs, Tubal ligation (during CS) & Vasectomy | Pills, Injectables & Copper IUCDs, Tubal ligation (during CS) & Vasectomy |
Fertility Services (Investigation only) subject to Outpatient limit & 12 months moratorium | Counseling, SFA, USS (covered up to ₦20,000) | Counseling, SFA, USS, HSG (covered up to ₦25,000) | Counseling, SFA, USS, HSG, Hormonal Assay (covered up to ₦50,000) Counseling, SFA, USS, HSG, Hormonal Assay, Hysteroscopy | Counseling, SFA, USS, HSG, Hormonal Assay, Hysteroscopy (up to ₦100,000) | Counseling, SFA, USS, HSG, Hormonal Assay, Hysteroscopy (up to ₦100,000) |
Health Screening at Designated Centres (subject to Outpatient limit) 12 months moratorium applies | Age 22+/All gender: physical, BP, HIV, PCV (once every year) | Age 22+/All gender: physical, BP, HIV, Cholesterol, Blood sugar, PCV & Urinalysis (once every year) | Age 22+/All gender: physical, BP, HIV, Cholesterol, Blood sugar, PCV, Urinalysis, LFT, E/u/Cr & ECG (once every year) | Age 22+/All gender: physical, BP, HIV, Cholesterol, Blood sugar, PCV, Urinalysis, LFT, E/u/Cr & ECG (once every year) | Age 22+/All gender: physical, BP, HIV, Cholesterol, Blood sugar, PCV, Urinalysis, FT, E/u/Cr & ECG (once every year) |
HIV/AIDS- to the extent of Diagnosis + Treatment | Age 40+/All gender: Blood sugar & Urinalysis (once every year) | Age 22+/All Gender: (Physical, BP, HIV, Cholesterol, Blood sugar, PCV, and Urinalysis) once every year | Age 30+Females: Pap Smear & physical breasts examination (every 3 years) Age 40+Males: PSA every 3 years Age 40+ Females: Mammogram every 3 years | Age 30+Females: Pap Smear & physical breasts examination (every 3 years) Age 40+Males: PSA every 3 years Age 40+ Females: Mammogram every 3 years | Age 30+Females: Pap Smear & physical breasts examination (every 3 years) Age 40+Males: PSA every 3 years, Age 40+ Females: Mammogram every 3 years |
at free specialist centres | Covered | Covered | Covered | Covered | Covered |
Outpatient Psychiatry cover up to 8 weeks (Subject to 12 months moratorium) | Covered | Covered | Covered | Covered | Covered |
Leadway Enrollee App | Covered | Covered | Covered | Covered | Covered |
Benefits Categories | Senior Cranberry | Senior Blueberry | Senior Blackberry | Senior Raspberry |
|---|---|---|---|---|
Premium (Age 55 - 69) | ₦211,647 | ₦425,432 | ₦696,027 | ₦876,922 |
Premium (Age 70-79) | ₦243,394 | ₦489,247 | ₦800,431 | ₦1,008,460 |
Region of Cover | Nigeria | Nigeria | Nigeria | Nigeria |
Hospital Network | Category D Hospitals | Category D + C Hospitals | Category D+C+B Hospitals | Category D+C+B Hospitals |
In-patient Limit | ₦500,000 | ₦650,000 | ₦1,500,000 | ₦2,000,000 |
Out-patient Limit | ₦250,000 | ₦350,000 | ₦500,000 | ₦1,000,000 |
SECTION 1-OUTPATIENT CARE | ||||
General Consultations | Unlimited | Unlimited | Unlimited | Unlimited |
Specialist Consultations (Internal Medicine Generalist only) | Max of 3 per annum | Max of 5 per annum | Max of 7 per annum | Max of 10 per annum |
Medication | Subject to outpatient limit | Subject to outpatient limit | Subject to outpatient limit | Subject to outpatient limit |
Telemedicine, Consultations | Unlimited | Unlimited | Unlimited | Unlimited |
Basic Laboratory services based on the clinician -(FBC, PCV, HB, WBC, MP, Widal, Urinalysis, FBS, Stool Occult Blood | Subject to outpatient limit | Subject to outpatient limit | Subject to outpatient limit | Subject to outpatient limit |
Treatment for common acute illnesses including: Malaria and other uncomplicated febrile illnesses, Diarrheal Diseases, Acute Respiratory Tract Infections, Uncomplicated pneumonia, simple anaemia not requiring blood transfusion, simple skin diseases, worm infestation, minor musculoskeletal ailments | Covered | Covered | Covered | Covered |
Chronic Disease Management: Provides cover for the out-patient treatment of arthritis, asthma, hypertension, diabetes mellitus, and osteoarthritis only. | Subject to outpatient limit | Subject to outpatient limit | Subject to outpatient limit | Subject to outpatient limit |
Chronic Medicine Refill (Drugs to be supplied by the Pharmacy Benefit Management only) | ₦50,000 per annum | ₦100,000 per annum | ₦100,000 per annum | ₦100,000 per annum |
Ear, Nose, and Throat Care | Covered | Covered | Covered | Covered |
Optical Care (Treatment of minor eye ailments including conjunctivitis, parasitic and allergic ailment) | Covered | Covered | Covered | Covered |
Optical Care (Frames & lenses) every 2 years | ₦10,000 | ₦25,000 | ₦35,000 | ₦45,000 |
Dental Care | ₦20,000 | ₦30,000 | ₦40,000 | ₦50,000 |
Physiotherapy | Not Covered | ₦10,000 | ₦30,000 | ₦50,000 |
SECTION 2 INPATIENT CARE | ||||
Accommodation (excluding feeding) | General ward (14 cumulative days per annum) | General ward (14 cumulative days per annum) | Semi Private Ward | Private Ward |
Accidents & Emergencies: Resuscitative or lifesaving initial treatment up to a maximum of the first 24 hours following an incident | ₦50,000 per annum | ₦75,000 per annum | ₦100,000 per annum | ₦150,000 per annum |
Intensive Care Services | ₦100,000 | ₦200,000 | ₦300,000 | ₦500,000 |
Surgeries limit (Subject to waiting period of six (6) months) | ₦100,000 | ₦150,000 | ₦200,000 | ₦300,000 |
Advanced & Complex Investigations (Subject to 3 months moratorium) | ₦50,000 per annum | ₦75,000 per annum | ₦100,000 per annum | ₦150,000 per annum |
Ambulance: Hospital to Hospital | Covered | Covered | Covered | Covered |
Basic X-rays (Chest & Limbs only) | Max of 2 per year | Max of 3 per year | Max of 4 per year | Max of 6 per year |
Major Disease: Oncology Tests, Drugs + Chemotherapy & Radiotherapy, Stroke etc. (Only covered for enrollees newly diagnosed on the scheme after 12 months of enrolment) | Not covered | Covered up to 50% of in-patient limit | Covered up to 50% of in-patient limit | Covered up to 50% of in-patient limit |
Adult Immunizations | Not covered | Not covered | Yellow fever, meningitis, Hep B | Yellow fever, meningitis, Hep B |
Health Checks (once a year, Subject to 6 months moratorium) | BP, FBS, BMI, Total Cholesterol, Urinalysis | BP, FBS, BMI, Total Cholesterol, Urinalysis | BP, FBS, BMI, Cholesterol, Urinalysis, PSA, Pap smear | BP, FBS, BMI, Cholesterol, Urinalysis, PSA, Pap smear, Mammogram (once every 3 years) |
Kidney Dialysis | 2 sessions | 3 sessions | 5 sessions | 7 sessions |
For further enquires, please feel free to give us a call or send us a WhatsApp message.
info@insurealltheway.ng
