Our Health Plans

Health Insurance for Individuals - HIFIND
(For Individuals or Groups Less Than 20)

Our Plans

HIFIND Benefits

Swift
& Seamless

To cut out the time wasted in endless paper work we have removed the lag time in setting up an account making the onboarding process both swift and seamless

Same Day
Hospital Access

Our partners value our relationship and as such they treat your staff with much regard that is why we can give same day hospital access.

24 Hours
Service Centre

You can reach us 24 hours a day via multiple channels (phone, email and whasapp) for clarifications. We are always there to support when you need us.

Account
Manager

We will assign a professional and experienced account manager to walk you through the on boarding process and support you to access your heslthcare benefits.

How it Works

Plans and Pricing

Caramel
HIFIND MAX

Peach
HIFIND MAX

Violet
HIFIND MAX

Purple
HIFIND MAX

PREMIUM/INDIVIDUAL /MONTH N4,500 N6,250 N9,750 N15,500
PREMIUM/INDIVIDUAL/ANNUM N54,000 N75,000 N117,000 NI86,000
Out Patient
Prescribed Medications for Covered Benefits only Covered Covered Covered Covered
all chronic cases can only get first line drugs
Management of Chronic Conditions using first line Medications only for Hypertension and Diabetes Mellitus after six months. Special arrangements required to cover any of below listed conditions Asthma, Common Orthopedic, & other Cardiac ailments. Covered Covered Covered Covered
In-Patient Services
Admissions in General Ward only 48 hours per case in a general ward/once in a month 48 hours per case in a general ward/once in a month 72 hours per case in a general ward/once in a month 72 hours per case in a semi private ward/once in a month
Prescribed Medications Covered as stated above Covered as stated above Covered as stated above Covered as stated above
Diagnostic Services
Basic Radiological studies e.g. Plain x-ray &Ultrasonography (abdominal and Pelvic) Abdominal Scans are excluded Covered Covered Covered
Laboratory Services Covered Covered Covered Covered
(Basic to Mid level) Histopathology, Hematological investigations, Microbiological investigations, Serology& Clinical chemistry
Electrocardiogram (ECG) Not Covered Covered Covered Covered
Advanced and Complex Investigations e.g. Echocardiogram, CT scan only. To be approved Once a year after 12 months of being on the policy One within a policy for Emergency cases only. For requests occurring within initial 24 hours of incidence One within a policy for Emergency cases only. For cases occurring within initial 24 hours of care Covered Covered
Physiotherapy Services
Physiotherapy Sessions (Up to approved limits) 2 Sessions 3 Sessions 5 Sessions 7 Sessions
Prescribed Physiotherapeutic appliances e.g. Cervical collar, Crutches One of any within a policy One of any within a policy One of any within a policy One of any within a policy
Ophthalmological Services
Primary Eye Care- Consultation, Examination, Simple or primary infection or conditions and Medications. Including Optical Lenses by Optician GP Access only  NGN 5,000  NGN 7,500  NGN 10,000 
Accidents and Emergencies
Evacuation (Hospital to Covered Covered Covered Covered
Hospital & Road Side to Hospital)
Stabilization, Emergency drugs and Basic Investigations Covered Covered Covered Covered
Intensive Care Unit (ICU) excluding life support) NGN 30,000 NGN 35,000 NGN 50,000 NGN 75,000
Dental Services
Primary Dental Care- Examination, Basic dental treatment, Simple amalgam or composite filling, Scaling and polishing, Non-surgical extractions and Pain therapy/ relief, etc GP Access only NGN 7,500 NGN 7,500 NGN 10,000
Secondary Dental Care- Surgical tooth extraction, Root canal treatment, etc
Otolaryngology (ENT) Services
Treatment of ENT diseases and removal of foreign bodies Covered Covered Covered Covered
ENT Surgeries As a part of Overall limit on Surgical services As a part of Overall limit on Surgical services As a part of Overall limit on Surgical services As a part of Overall limit on Surgical services
Surgical Services
Minor, Intermediate, Major Surgeries and Procedures, excluding Cancer care covered after 12 months on the scheme and if not pre-existing NGN 50,000 NGN 65,000 NGN 75,000 NGN 95,000
Anesthesia, Surgical supplies/Consumables, administration of blood or blood products, etc.
Other Services/ Benefits
Renal Dialysis Not Covered 1 Sessions 1 Sessions 2 sessions
Annual Health Screening at Designated centers (Pre-booked) Annual Physical Checks after one year Annual Physical Checks after one year Annual Physical Checks after one year Annual Physical Checks after one year
Pharmacy Network Benefits Covered  Covered  Covered  Covered 
On-site Health Checks, Health Talks/ Education forum or wellness fairs Covered  Covered  Covered  Covered 
HIV/AIDS- Diagnosis + Treatment at free Government centers Covered  Covered  Covered  Covered 
Psychiatry cover up to 2 weeks (Out Patient care) Covered  Covered  Covered  Covered 
       

Caramel HIFIND MID

Peach
HIFIND MID

Violet
HIFIND MID

Purple
HIFIND MID

PREMIUM/INDIVIDUAL/MONTH N 2,550.00 N3,200 .00 N3,750.00 N4,250.00
PREMIUM/INDIVIDUAL/ANNUM N30,600.00 N38,400.00 N45,000.00 N51,000.00
Out Patient Care Limited to GP only/ Maximum of One GP Consultation and one follow up Consultations /monthly Covered Covered Covered Covered
Conditions to be treated by GP;Malaria, Typhoid, Common cold and associated Mild ailments Covered Covered Covered Covered
Investigations approved only once in a quarter; MP, Widal, PCV,Urinalysis, PT only Covered Covered Covered Covered
Medications approved must be first line ONLY. Covered Covered Covered Covered
Behavioral Health Services By GP Counseling Only Counseling Only Counseling Only Counseling Only
Basic Dental Care by GP Covered Covered Covered Covered
Pain Therapy with a GP Only Covered Covered Covered Covered
Accident & Emergency Covered Covered Covered Covered
Services - Basic care only for covered services within 24 hours maximum
HIV Treatment GOVT CENTRES GOVT CENTRES GOVT CENTRES GOVT CENTRES
Definitive treatment i.e. provision of ARVs GOVT CENTRES GOVT CENTRES GOVT CENTRES GOVT CENTRES
Treatment of opportunistic infections Covered Covered Covered Covered
Observation in Out Patient Bay Day case only Day case only Day case only Day case only
Administration of Oxygen Not Covered Not Covered Not Covered Covered only within immediate emergency to stabilize
Basic diagnostic laboratory, USS and Plain X- ray services only Covered Once in a Policy year X-ray and USS Not Covered Covered Covered Covered + One Abdominal SCAN in a year
PHC Optical Treatment by GP Covered Covered Covered Covered
PHC ENT Services by GP Covered Covered Covered Covered
Aural Irrigation and removal of foreign body only Not Covered Once in a year Covered Covered
PHC Basic Medications only for ENT Covered Covered Covered Covered
Basic, Lacerations and the likes N7,500.00 N10,000.00 N15,000.00 N20,000.00