Our products are so priced to ensure that a member receives a comprehensive scope of health services for a relatively moderate sum. Please find below premium rates for our generic brands: |
|
| Basic Plan |
| |
PREMIUM (NGN)
per person per year |
PREMIUM (NGN)
per family per year |
Limits (NGN) |
| IHMS Retail Health Plan (Individual and Family) |
16,900.00 |
84,500.00 |
100,000.00 / person
400,000.00 / family |
| Family Health Plan |
N/A |
N/A |
|
| IHMS Group & Association Health Plan |
11,500.00 |
46,000.00 |
|
| IHMS Corporate Health Plan |
11,500.00 |
46,000.00 |
|
|
| |
| Standard Plan |
| |
PREMIUM (NGN)
per person per year |
PREMIUM (NGN)
per family per year |
Limits (NGN) |
| IHMS Retail Health Plan (Individual and Family) |
26,000.00 |
130,000.00 |
250,000.00 / person
1,000,000.00 / family |
| Family Health Plan |
N/A |
130,000.00 |
|
| IHMS Group & Association Health Plan |
15,900.00 |
63,600.00 |
|
| IHMS Corporate Health Plan |
15,900.00 |
63,600.00 |
|
|
| |
| Standard-Plus Plan |
| |
PREMIUM (NGN)
per person per year |
PREMIUM (NGN)
per family per year |
Limits (NGN) |
| IHMS Retail Health Plan (Individual and Family) |
42,000.00 |
210,000.00 |
400,000.00 / person
1,600,000.00 / family |
| Family Health Plan |
N/A |
210,000.00 |
280,000.00 / family |
| IHMS Group & Association Health Plan |
25,900.00 |
103,600.00 |
|
| IHMS Corporate Health Plan |
25,900.00 |
103,600.00 |
|
|
| |
| Comprehensive Plan |
| |
PREMIUM (NGN)
per person per year |
PREMIUM (NGN)
per family per year |
Limits (NGN) |
| IHMS Retail Health Plan (Individual and Family) |
102,000.00 |
510,000.00 |
750,000.00 / person
2,500,000.00 / family |
| Family Health Plan |
N/A |
510,000.00 |
2,500,000.00 / family |
| IHMS Group & Association Health Plan |
77,000.00 |
308,000.00 |
|
| IHMS Corporate Health Plan |
77,000.00 |
308,000.00 |
|
|
| |
| Mega Plan |
| |
PREMIUM (NGN)
per person per year |
PREMIUM (NGN)
per family per year |
Limits (NGN) |
|
| |
| CBSHIP Plan |
| |
PREMIUM (NGN)
per person per year |
PREMIUM (NGN)
per family per year |
Limits (NGN) |
|
| |
| TSHIP Plan |
| |
PREMIUM (NGN)
per person per year |
PREMIUM (NGN)
per family per year |
Limits (NGN) |
|
| |
NOTE: Individuals and families may be required to undergo medical test(s) before enrolment
- Prinmary Dental Care (For Standard, Standard Plus and Comprehensive Plan Only)
- Primary Ophthalmic Care (For Standard, Standard Plus and Comprehensive Plan Only)
- Annual Medical Examination (For Standard Plus & Comprehensive Plan Only)
- Local Emergency Medical Evacuation (For Standard, Standard Plus and Comprehensive Plan Only)
- International Emergency Medical Evacuation (For all Plans)
- International Medical Insurance (For all Plans)
Exclusions
The following services are not covered under any of the plans:
- Treatment for diseases, illness or injury not covered under a member’s health plan
- Treatment by a provider not on our network (except in cases of emergencies)
- Complex major surgeries such as kidney transplants, heart and brain surgeries, etc.
- Plastic and Cosmetic surgery
- Treatment for HIV/AIDS related disorders
- Radiotherapy and Anti cancer treatment
- Investigations and treatment for problems relating to infertility
- Provision of artificial limbs, dental prosthesis and hearing aids
- Treatment for willfully inflicted injuries
- Treatment for diseases or injuries resulting from nuclear or chemical contamination, war, riot, revolution or similar event
- Treatment for illness arising out of drug or substance abuse
- Embalming and related services
These can however be covered on a special arrangement.
Terms of Payment
Payment is usually made on an annual basis at least 2 weeks before commencement of coverage. Payment cannot be refunded once paid for a particular period. Coverage lapses if renewal is not effected on due date.
DISCOUNTS
We offer fair discounts if your employee population is large. |
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