HMO Company | IHMS Leading Social Health Insurance, Family Health Care in Lagos, Nigeria

Managed Health Plans and Benefits

health insurance

You can only view this page on a desktop. You may switch to the dexktop view on your mobile phone as well.

Benefits

Basic Health plan

Standard plan

Standard Plus Plan

Advanced Standard plus plan

Comprehensive plan

Super Comprehensive plan

General consultation

Covered up to 3 visits per annum

Covered

Covered

Covered

Covered

Covered

Specialist consultation

Covered (Standard Ward of Cumulative of 15 days in a year)

Covered (Standard Ward – 30 days maximum/annum)

Covered (Semi-Private Room – 30 days /annum)

Covered (Semi-Private Room – 30 days /annum)

Covered (Private Room – 30 days /annum)

Covered (Private Room – 45 days /annum)

Admissions (Including feeding)

Covered (Standard Ward of Cumulative of 15 days in a year)

Covered (Standard Ward – 30 days maximum/annum)

Covered (Semi-Private Room – 30 days /annum)

Covered (Semi-Private Room – 30 days /annum)

Covered (Private Room – 30 days /annum)

Covered (Private Room – 45 days /annum)

Hospital Category

Providers listed under Basic Plan Types

Providers listed under Standard Plan Only

Providers listed under Standard and Standard Plus Plan Only

Providers listed under Standard Plus & Adv. Standard Plan OnlyProviders listed under Standard Plus & Adv. Standard Plan Only

Providers listed under Standard Plus Plan & Comprehensive Plan

Providers listed under Standard Plus Plan, Comprehensive & Super Comprehensive Plan

Accommodation for mothers whose dependants are on admission

Not covered

48 hours in the same ward as above

48 hours in the same ward as above

3 Days in the same ward as above

4 Days in the same ward as above

5 days in the same ward as above

Provision of prescribed Drugs )

Covered

Covered

Covered

Covered

Covered

Covered

Accident and Emergency care

Covered

Covered

Covered

Covered

Covered

Covered

Management of Chronic Diseases

Covered to limit of up to N70K medication

Covered

Covered

Covered

Covered

Covered

Blood transfusion

Covered (2 Pints maximum/annum)

Covered (4 Pints maximum/annum)

Covered (4 Pints maximum/annum)

Covered (4 Pints maximum/annum)

Covered (5 Pints maximum/annum)

Covered (6 Pints maximum/annum)

Basic X-rays

Covered

Covered

Covered

Covered

Covered

Covered

Comprehensive X-rays

Not Covered

Covered

Covered

Covered

Covered

Covered

Basic Laboratory Tests

Covered

Covered

Covered

Covered

Covered

Covered

Comprehensive Laboratory Tests

Not covered

Covered

Covered

Covered

Covered

Covered

Ultrasound Scan Services

Pelvic Scan only

Pelvic & Abdominal Scan only

ECG, EEG Covered (only on emergency/once per annum)

ECG, EEG Covered (only on emergency/once per annum)

ECG, EEG Covered (only on emergency/once per annum)

ECG, EEG Covered (only on emergency/once per annum)

ECG, EEG & EMG

Not Covered

ECG onlycovered once in a year

Covered (Semi-Private Room – 30 days /annum)

Covered (Semi-Private Room – 30 days /annum)

Covered (Private Room – 30 days /annum)

Covered (Private Room – 45 days /annum)

Advanced Radiological Investigation (Including CTScan & MRI)

Not Covered

CT Scan Covered (only on emergency/once per annum)

CT & MRI Covered (only on emergency/once per annum)

CT & MRI Covered (only on emergency/twice per annum)

CT & MRI Covered

CT & MRI Covered

Echocardiogram

Not Covered

Not Covered

Not Covered

Covered (maximum twice per annum)

Covered

Covered

Routine immunizations for 0- 5 years (NPI)

(NPI),- including pentavalent vaccines (diphtheria, tetanus, whooping cough)

(NPI),- including pentavalent vaccines (diphtheria, tetanus, whooping cough)

CT & MRI (NPI),- including pentavalent vaccines (diphtheria, tetanus, whooping cough)

(NPI),- including pentavalent vaccines (diphtheria, tetanus, whooping cough)

(NPI),- including pentavalent vaccines (diphtheria, tetanus, whooping cough)

(NPI),- including pentavalent vaccines (diphtheria, tetanus, whooping cough)

Additional immunizations for 0-5 years)

Not Covered

Hepatitis B, HiB & Yellow fever only

Hepatitis B, HiB & Yellow fever only

Hepatitis B, HiB & Yellow, MMR & fever only

Hepatitis B, HiB & Yellow fever, MMR, Pneumococcal, Rotavirus, Meningitis only

Hepatitis B, HiB & Yellow fever, MMR, Pneumococcal, Rotavirus, Meningitis only

Minor and Intermediate Surgery

Covered (limit of N100, 000/annum

Covered ( limit of N150,000/annum)

Covered

Covered

Covered

Covered

Major Surgery

Not Covered

Not Covered

Covered ( limit of N250,000/annum)

Covered ( limit of N400,000/annum)

Covered ( limit of N500,000/annum)

Covered ( limit of N750,000/annum)

Surgeries including day case procedure - minor, intermediate and major surgeries – International Refundable limit

Covered (limit of N70, 000/annum for Minor & Intermediate Surgeries only

Covered ( limit of N120,000/annum) annum for Minor & Intermediate Surgeries only

Covered ( limit of N250,000/annum)

Covered ( limit of N300,000/annum)

Covered ( limit of N400,000/annum)

Covered ( limit of N550,000/annum)

Maternity Care

Covered to a limit of N40, 000

Covered to a limit of N60, 000

Covered to a limit of N80, 000

Covered to a limit of N120, 000)

Covered to a limit of N200, 000

Covered to a limit of N400, 000

Caesarian Section Services

Covered to a limit of N100, 000

Covered to a limit of N100, 000

Covered to a limit of N250, 000

Covered to a limit of N350, 000

Covered to a limit of N500, 000

Covered to a limit of N750, 000

Neonatal Intensive Care Services (Incubator care & Special intensive baby care unit)

Not Covered

Covered (24 hours)

Covered (48 hours)

Covered (48 hours)

Covered (3 Days)

Covered (3 Days)

Antenatal Care, Normal Delivery, Caesarian Section - Global Refund on Deliveries

Covered to a limit of N60, 000

Covered to a limit of N90, 000

Covered to a limit of N120, 000

Covered to a limit of N200, 000

Covered to a limit of N300, 000

Covered to a limit of N400, 000

Infertility Treatment

Not Covered

Counselling, Sperm functional Assessment, USS & HSG (N25,000 limit)

Counselling, Sperm functional Assessment, USS & HSG (N35,000 limit)

Counselling, Sperm functional Assessment, USS & HSG (N35,000 limit)

Counselling, Sperm functional Assessment, USS, Hormonal Profile & HSG (N100,000 limit)

Counselling, Sperm functional Assessment, USS, Hormonal Profile & HSG (N100,000 limit)

Family Planning Services

IUCDs, Pills & Injectibles

IUCDs, Pills & Injectibles

IUCDs, Pills & Injectibles

IUCDs, Pills & Injectibles

IUCDs, Pills & Injectibles, Norplants only

IUCDs, Pills & Injectibles, Norplants only

Renal Dialysis

Not Covered

Emergency (1session only)

Covered (2 sessions only)

Covered (2 sessions only)

Covered (3 sessions only)

Covered (4 sessions only)

Health Checks (Principal Only).

Annual Physical Checks only

On-site only - Physical, BP, Blood Sugar, BMI)

On-site only - Physical, BP, Blood Sugar, BMI

On-site only - Physical, BP, Blood Sugar, BMI

To be carried out at IHMS designated Providers’ Outlet & Limited to; Physical, BP, Blood Sugar, FBC, RFT, Lipid Profile and Urinalysis only.

To be carried out at IHMS designated Providers’ Outlet & Limited to; Physical, BP, Blood Sugar, FBC, RFT, Lipid Profile and Urinalysis only.

Emergency ambulance Services

Covered

Covered

Covered

Covered

Covered

Covered

Ophthalmic Care

Primary Eye Care only

Primary & Comprehensive Covered (N 60,000 limit per annum)

Primary & Comprehensive Covered (N 80,000 limit per annum)

Primary & Comprehensive Covered (N 120,000 limit per annum)

Primary & Comprehensive Covered (N 170,000 limit per annum)

Primary & Comprehensive Covered (N 250,000 limit per annum)

Optical ware – Lense and frame or contact lenses

Covered (N5, 000 in 2 years)

Covered (N 7,000 limit in 2 years)

Covered (N 8,500 in 2 years)

Covered (N 10,000 in 2 years)

Covered (N 20,000 limit in 2 years)

Covered (N 30,000 in 2 years)

Primary Dental Care

Covered

Covered

Covered

Covered

Covered

Covered

Comprehensive Dental Care (surgical extraction, root canal therapy and dental prosthesis)

Not Covered

Covered (N 10,000 limit per annum)

Covered (N 20,000 limit per annum)

Covered (N 30,000 limit per annum)

Covered (N 50,000 limit per annum)

Covered (N 75,000 limit per annum)

High Dependency Unit (HDU)

Not Covered

Not Covered

Not Covered

Covered (48 hours)

Covered (3 days)

Covered (5 days)

Intensive Care Services (ICU)

Not Covered

Covered (24 hours)

Covered (48 hours)

Covered (48 hours)

Covered (3 days)

Covered (5 days)

Physiotherapy

4 Sessions

10 Sessions

10 Sessions

10 Sessions

12 sessions

15 sessions

Psychiatric Treatment

Not Covered

Outpatient Care Only (3 months)

Outpatient Care Only (3 months)

Outpatient Care Only (3 months)

Outpatient Care Only (3 months)

Outpatient Care Only (4 months)

Medical Enquiries

Covered

Covered

Covered

Covered

Covered

Covered

Inter-state Referral Services for services not available in State or Out of station Care

Covered

Covered

Covered

Covered

Covered

Covered

HIV/AIDS Care & Treatment (management of opportunistic infection only)

Covered

Covered

Covered

Covered

Covered

Covered

Cancer Care: Oncology Tests, Drugs + Chemotherapy & Radiotherapy (Local or International Management)

Not Covered

Covered ( limit of N200,000/annum)

Covered ( limit of N300,000/annum)

Covered ( limit of N400,000/annum)

Covered ( limit of N500,000.00/annum)

Covered ( limit of N600,000.00/annum)

Mortuary Services (Cleaning, Embalmment, Storage & Autopsy

Not Covered

N 50,000 limit

N 50,000 limit

N 50,000 limit

N 50,000 limitN 50,000 limitN 50,000 limitN 50,000 limitN 50,000 limit

N 50,000 limit