Flagship private individual plan featuring ₦4,500,000 annual limit, private room admissions, ₦750,000 surgical operations, and ₦30,000 optical care.
Healthspring Private Diamond Plan offers the highest level of private medical care. Includes private room hospitalization up to 50 days, 10 specialist consultations, ₦750,000 surgical procedures, ₦150,000 drug prescription allowance, ₦30,000 optical lenses/frames, ₦120,000 comprehensive dental procedures, 5 days neonatal incubator care, ₦40,000 physiotherapy, and 5-day 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 | ₦4,500,000 | ₦0 (Zero Deductible) |
| Enrollee Age Eligibility / Limit | 18 – 65 years | Valid ID / Proof of Age required |
| Inpatient Hospitalization Limit | ₦2,250,000 | ₦0 |
| Outpatient Primary Care Limit | ₦2,250,000 | ₦0 |
| Maternity & Childbirth Sub-limit | ₦250,000 | ₦0 |
| Dental Care Annual Sub-limit | ₦120,000 | ₦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 |
This plan provides access under Tier 1 - Premium Private across Nigeria.
Enrollees enjoy direct walk-in consultation and admission privileges at Nigeria's most prestigious private tertiary medical centres:
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) ↗