Core family healthcare by Gorah HMO featuring chronic condition management after 6 months, intermediate surgeries, 20 days hospital admission, and ₦10,000 dental/optical benefits.
Gorah Family Life Plan is structured for growing families needing elevated secondary coverage. Includes GP and specialist consultations, comprehensive pathology and radiology (ultrasound, X-rays), management of chronic ailments after a 6-month moratorium, intermediate surgical operations, antenatal care with normal delivery and emergency C-section, ₦10,000 optical and dental allowances, and 24/7 emergency support.
Full breakdown of covered clinical procedures, medications, and consultations.
Exact statutory reimbursement limits underwritten by Gorah Healthcare LTD..
| Benefit Category | Annual Coverage Cap | Co-payment / Deductible |
|---|---|---|
| Overall Annual Maximum Benefit | ₦750,000 | ₦0 (Zero Deductible) |
| Enrollee Age Eligibility / Limit | 0 – 60 years | Valid ID / Proof of Age required |
| Inpatient Hospitalization Limit | ₦350,000 | ₦0 |
| Outpatient Primary Care Limit | ₦400,000 | ₦0 |
| Maternity & Childbirth Sub-limit | ₦250,000 | ₦0 |
| Dental Care Annual Sub-limit | ₦10,000 | ₦0 |
| Optical Eye Care Sub-limit | ₦10,000 | ₦0 |
| Prescription Medication Allowance | Included in Outpatient Limit | ₦0 (Generic/Branded) |
| Telemedicine Consultations (App & Call) | Unlimited 24/7 | Free |
This plan provides access under Tier 3 - Basic across Nigeria.
Provides comprehensive access to over 1,500 accredited quality private clinics, secondary hospitals, and diagnostic scan centres across all 36 Nigerian states and Abuja FCT.
National Health Insurance Authority (NHIA) statutory waiting periods for claim approvals.
In accordance with NHIA guidelines, the following procedures are excluded from standard coverage:
This policy is underwritten by Gorah Healthcare LTD.. All plan specifications, monetary caps, and premium schedules displayed on this portal are compiled from official NHIA tariff schedules and published underwriter guidelines.
HMO underwriting terms, participating clinic rosters, and waiting period waivers are subject to regular updates by Gorah Healthcare LTD.. 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 Gorah Healthcare LTD. Official Website (gorahhmo.com) ↗