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Frequently Asked Questions
Why Health Insurance?
No doubt our depressed economy has reduced to the bearest minimum the purchasing power of every Nigerian.
This has also affected the out of pocket expenses in the nedical sector. Indiciduals, Corporate Organisations are heavily burdened by the ever escalating medical bills.
Now is the auspicious time to take the heat off somebody while everybody shares the burden. Majority, rallying round the sick minority.
Who is Eligible?
Everybody and Anybody.
You do not know who will be next at the doctor's door step.
No age restrictions, No sex restrictions
My Company is Small
Do you have more than 10 Staff Members?
You are eligible then
The big ones with Employees in excess of multiples of thousands are also eligible.
Premium to be Paid
For now, flexible. The larger the number of Employees and family, the smaller your friendly premium..
Un-Used Premium, Any Refund?
Health Insurance is a high consuming scheme there is never unused premium so no refund.
What does it Cover?
Benefits of Package
What are the Exclusions Locally?
Chronic illness, T.B, Aids Disease, Cancers etc.
High Tech nvestigations, CT Scan, MRI, etc.
H.I.V positive cases.
Prosthesis, Dentures, Orthodontic etc.
Mental illness in excess of 21 days
Self Inflicted injuries i.e Mountain climbing, car and horse racing etc.
How Does It Operate?
Once Premium is paid.
Choice of primary provider is made from our Network of providers.
Identification "Magicard" of you and your family is provided.
Medicard enables reciept of treatment at the providers clinic.
Referral to a speciais if necessary at no additional cost.
Admission and or surgery when necessary at no additional cost when the need arises.
No claim forms to fill, No payment to be made apart from the premium already paid.
Treatment out of station in any of the providers clinic nationwide, on presentation of Magicard.
How Do I Choose My Provider?
The decision is really yours but in the excercise of that right, nearness to residence is advised for the sake of the family. You are advised to visit the clinic/Hospital before making your choice from the list.
Can I Choose A Secondary Provider?
No! You can only be referred by your regular primary provider/G.P only when the need arises.
And If My Choice Is Not On The List?
We will visit your choice hospital for inspection and enlisting PROVIDED: If
The Hospital is interested in the scheme.
Meets our set standard.
Is registered with the NHIS and the State Registration Board.
Can I Change My Provider?
In proven cases of disaffection or poor service Yes....
But we will adjucate and ensure fair play.
Such a change is allowed quarterly in the year.
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