Zuma Ruby Family
Tier 1 - Premium Private
Family Healthcare
Active Enrolment Open
👥 Age Limit: 18–65 yrs (Kids 0–18 yrs)
Flagship premier family cover with Band A hospital access, private ward admission, ₦200,000 maternity cover, ₦30,000 dental, and ₦30,000 optical benefits.
Annual Policy Premium
₦
2,189,736
/ year
or ₦199,000 / month via direct debit
🎉 Save ₦198,264 with annual billing
Eligible Age Bracket
18–65 yrs (Kids 0–18 yrs)
Annual Overall Cap
₦10,000,000
Outpatient Waiting
Immediate (0 Days)
📋 Plan Benefits & Executive Summary
Zuma Ruby Family is an accredited Nigerian health plan underwritten by Zuma Health Trust. Designed for Family coverage across Tier 1 - Premium Private facilities.
🛡️ Comprehensive Benefit Matrix
Full breakdown of covered clinical procedures, medications, and consultations.
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💰 Financial Limits & Monetary Sub-limits
Exact statutory reimbursement limits underwritten by Zuma Health Trust.
| Benefit Category | Annual Coverage Cap | Co-payment / Deductible |
|---|---|---|
| Overall Annual Maximum Benefit | ₦10,000,000 | ₦0 (Zero Deductible) |
| Enrollee Age Eligibility / Limit | 18–65 yrs (Kids 0–18 yrs) | Valid ID / Proof of Age required |
| Inpatient Hospitalization Limit | ₦1,500,000 | ₦0 |
| Outpatient Primary Care Limit | ₦1,200,000 | ₦0 |
| Maternity & Childbirth Sub-limit | ₦250,000 | ₦0 |
| Dental Care Annual Sub-limit | ₦30,000 | ₦0 |
| Optical Eye Care Sub-limit | ₦30,000 | ₦0 |
| Prescription Medication Allowance | Included in Outpatient Limit | ₦0 (Generic/Branded) |
| Telemedicine Consultations (App & Call) | Unlimited 24/7 | Free |
🏥 Accredited Hospital Network Tiers
This plan provides access under Tier 1 - Premium Private across Nigeria.
🌟 Tier 1 (Premium Private) Hospital Access
Enrollees enjoy direct walk-in consultation and admission privileges at Nigeria's most prestigious private tertiary medical centres:
- Lagos: Reddington Hospital (Victoria Island & Ikeja), Lagoon Hospitals (Ikoyi, Ikeja & Victoria Island), St. Nicholas Hospital (Lagos Island & Lekki), First Cardiology Consultants (Ikoyi).
- Abuja FCT: Cedarcrest Hospitals (Gudu & Apo), Nizamiye Hospital (Life Camp), Alliance Hospital (Garki).
- Port Harcourt / Rivers: Medbury Medical Services, Princess Medical Centre, Shell Residential Area Clinic.
- Plus: Complete nationwide access to all Tier 2 and Tier 3 hospitals across all 36 Nigerian states.
Need to verify your neighborhood clinic?
Download the full 2026 official hospital network directory.
Download PDF Directory
⏱️ Waiting Periods & Activation Timeline
National Health Insurance Authority (NHIA) statutory waiting periods for claim approvals.
Day 0
Immediate Access: General Outpatient Consultations, Malaria Treatment, Emergency Stabilization, Generic Medications.
30 Days
Specialist Care: Specialist Doctor Consultations, Advanced Lab Tests, Ultrasound Scans.
12 Months
Chronic Illness Management: Maintenance medications and routine monitoring for Hypertension, Diabetes, and Arthritis.
9 Months
Maternity Delivery Benefits: Full coverage for normal delivery and elective/emergency C-section procedures.
12 Months
Major Elective Surgeries: Complex orthopedic surgeries, hysterectomy, and major inpatient surgical interventions.
🚫 Policy Exclusions & Limitations
In accordance with NHIA guidelines, the following procedures are excluded from standard coverage:
- Cosmetic or aesthetic surgical procedures not required due to accidental injury.
- International medical evacuation or treatments performed outside the Federal Republic of Nigeria.
- Infertility investigations and assisted reproductive technology (IVF) unless purchased as an enterprise corporate rider.
- Treatment of injuries resulting from participation in extreme competitive sports or war/civil unrest.
⚖️ Plan Verification Notice & Consumer Advisory
This policy is underwritten by Zuma Health Trust. All plan specifications, monetary caps, and premium schedules displayed on this portal are compiled from official NHIA tariff schedules and published underwriter guidelines.
Mandatory Direct Provider Validation:
HMO underwriting terms, participating clinic rosters, and waiting period waivers are subject to regular updates by Zuma Health Trust. Before remitting premium payments or completing binding enrolment, users are advised to reach out directly to the underwriter to verify active hospital accreditation in their locality, waiting period applicability to their medical history, and current tariff validity.
Visit Zuma Health Trust Official Website (zumahealthtrust.ng) ↗