Corporate plan featuring private room admissions (up to 35 days), ₦2,950,000 annual limit, ₦550,000 surgical procedures, and ₦50,000 dental/optical allowances.
Healthspring Corporate Ruby Plan is designed for managerial corporate staff. It provides private room accommodation up to 35 days, ₦2.95M overall annual limit, ₦950,000 outpatient coverage, ₦550,000 surgical limit, ₦1,000,000 emergency resuscitation limit, ₦50,000 dental care, ₦50,000 optical services, 72 hours ICU coverage, ₦100,000 physiotherapy, and 3 sessions renal dialysis.
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 | ₦2,950,000 | ₦0 (Zero Deductible) |
| Enrollee Age Eligibility / Limit | 18 – 65 years | Valid ID / Proof of Age required |
| Inpatient Hospitalization Limit | ₦2,000,000 | ₦0 |
| Outpatient Primary Care Limit | ₦950,000 | ₦0 |
| Maternity & Childbirth Sub-limit | ₦250,000 | ₦0 |
| Dental Care Annual Sub-limit | ₦50,000 | ₦0 |
| Optical Eye Care Sub-limit | ₦50,000 | ₦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.
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