Premium private protection with ₦3,000,000 annual limit, semi-private ward admission, ₦350,000 surgical procedures, and ₦15,000 optical benefits.
Healthspring Private Emerald Plan delivers elevated hospital access with semi-private ward rooms up to 30 days per policy year. Features 6 specialist visits, ₦350,000 surgical operations, ₦100,000 drug prescription limit, ₦15,000 optical allowance, ₦25,000 physiotherapy, ₦40,000 dental benefits, maternity covered up to surgical limit after 12 months, and 48-hour ICU coverage.
Full breakdown of covered clinical procedures, medications, and consultations.
Exact statutory reimbursement limits underwritten by Healthspring HMO.
| Benefit Category | Annual Coverage Cap | Co-payment / Deductible |
|---|---|---|
| Overall Annual Maximum Benefit | ₦3,000,000 | ₦0 (Zero Deductible) |
| Enrollee Age Eligibility / Limit | 18 – 65 years | Valid ID / Proof of Age required |
| Inpatient Hospitalization Limit | ₦1,500,000 | ₦0 |
| Outpatient Primary Care Limit | ₦1,500,000 | ₦0 |
| Maternity & Childbirth Sub-limit | ₦250,000 | ₦0 |
| Dental Care Annual Sub-limit | ₦40,000 | ₦0 |
| Optical Eye Care Sub-limit | ₦15,000 | ₦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 2 - Standard 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 Healthspring HMO. 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 Healthspring HMO. 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 Healthspring HMO Official Website (healthspringhmo.com) ↗