The IHMS Health Plan is highly flexible and hence does not impose services you do not need on you. You may therefore add Optional Benefits to any of the main plans you purchase.
Note:
Optional benefits can not be bought on a standalone basis.
We can also customize a health plan for your organization if any of the main plans do not meet your requirements.
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"Medical Bills burden taken off you"
IHMS THIRD PARTY ADMINISTRATION (TPA) is a non-insurance employee health management scheme administered by IHMS on your behalf. IHMS, using her expertise in employee healthcare management, liaises between your organization and the hospitals you use to ensure that your staff has access to standard medical care at any hospital that you currently use for your staff.
Unlike our prepaid health insurance schemes, your company bears all the risk for medical inflation, and possibly huge medical expenditures but IHMS ensures that your bills actually reflect the medical services your staff receive through a rigorous bill vetting system.
Benefits:
·No prepaid premiums: You pay as the bills come in
·No Limits on medical services your staff can receive except as defined by you
·Flexible provider selection: your staff can choose any provider
·Expert support in the management of your employee health scheme
·Fraud control
·Administrative ease
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"Wise individuals exercise their right to good health.
Shield yourself with the IHMS Retail Health Plan."
The IHMS Retail Health Plan is a revolutionary and modern method of paying for and receiving world class medical services at affordable prices.
In return for a relatively small yearly fee, the IHMS Retail Health Plan pays the medical bills for emergencies, out-patient hospital visits, drugs, laboratory tests, surgeries and hospital stays that you may need. This means that you need not worry about money in your pocket or in the bank whenever you need medical care.
A network of over 500 reliable and standard clinics, hospitals, laboratories, pharmacies located nationwide ensures that wherever you are, you can be sure of quality healthcare services 24-7
In addition, the plan provides you with FREE disease prevention and wellness tools that ensure that you remain healthy all the time.
With the IHMS Individual Health Plan,
You take control of your LIFE!
Benefits
Cashless access to healthcare facilities 24-7
No more deposits before treatment
Access to emergency care 24-7
Access to life saving medical information and counseling
Peace of Mind
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"Good health for Groups & Associations"
The IHMS Group Health Plan is a health welfare plan designed to give groups (trade unions, professional bodies, cooperative societies and town unions) the opportunity to pool resources together in order to obtain quality healthcare services at very low prices.
For a relatively small fee, the IHMS Group Health Plan takes care of the hospital bills that any registered member may incur, thereby eliminating the problem of always trying to raise money whenever a member needs hospital services.
A network of reliable and standard clinics, hospitals, laboratories, pharmacies located nationwide ensures that members have access to quality healthcare whenever they may be located.
In addition, Our Pro-Life Program proves every member with preventive and wellness tools that ensures that no one falls ill unnecessarily.
The IHMS Group Health Plan is all about wisdom, brotherliness, solidarity and love.
Benefits
Cashless access to hospitals 24-7
No more deposits before treatment
Access to a nationwide network of doctors, specialists, clinics, hospitals, laboratories, pharmacies etc.
Access to emergency medical care
Financial protection in times of unexpected medical expenditure.
Unity, Progress and Peace of mind.
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"Good health for your workforce"
A healthy workforce is a productive workforce. The health of the workforce is directly related to the overall productivity and return on investment that an organization can obtain.
The IHMS Corporate Health Plan provides your staff with access to quality and affordable healthcare services through a nationwide network of reputable clinics, hospitals, laboratories and pharmacies.
Our Pro-Life Program provides your staff with preventive and wellness tools that ensures optimum productivity always.
Because we also care about your bottom line, the IHMS Corporate Health Plan takes care of the financial losses that may result from unexpected or frequent occurrence of illnesses.
Give your staff the gift of good health and reap the joy of greater productivity and huge returns on investment.
Benefits
5-30% reduction in healthcare expenditure
Access to qualify health care facilities and professionals all over Nigeria and Overseas 24/7
Reduction of staff man hour losses
Enhanced staff productivity and increased return on investment (ROI)
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“Enjoy Health Without Borders”
Nothing seems more important than the well being of our families and employees, you need a partner you can trust, someone who will be there for you, and give peace of mind and security; we propose to you the IHMS MEGA PLAN. IHMS has partnered with ICICI/ LOMBARD of India to provide international comprehensive health insurance products to the dependants of local nationals and expatriates working and residing in Nigeria. ICICI /LOMBARD offers the unique range of quality international medical insurance which ensures worldwide cover
This policy brings to you unique benefits such as:
·In-patient and out-patient cover
·Complex surgeries
·Maternity cover
·Optical and dental cover
·Treatment option in India
·Pre-existing disease(PED) covered from day 1 for groups larger than 50
·No sub-limits for in-patient treatment.
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"TERTIARY INSTITUTIONS SOCIAL HEALTH INSURANCE PROGRAMME" (TISHIP)
The NHIS/IHMS TISHIP Plans provides an integrated healthcare delivery system that assures students seamless and reliable access to quality healthcare, it is also a comprehensive students’ curative and preventive health initiative.
Benefits:
Access to sustainable funding for expansion and maintenance of school health facility
Positive behavioral change in students
Positive contribution to national economic & social development
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“COMMUNITY BASED SOCIAL HEALTH INSURANCE” (CIBSHIP)
The IHMS Community Based Social Health Insurance Plan is a non-profit health insurance programme for cohesive group of households/ individuals or occupation based groups formed on the basis of the ethics of mutual aid and the collective pooling of health risks, in which members take part in its management.
Benefits:
·The CIBSHIP programmes have been demonstrated to improve access to healthcare services and poverty among the poor in the informal sector by eliminating or significantly reducing out of pocket payments for health services.
·Improve the quality of care by increasing the amount and reliability of resources available to health providers.
·Make health services more equitable (access to health care services according to need rather than ability to pay).
·Assist in breaking the vicious cycle of poverty-ill health- economic underproduction- poverty.
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