Standard individual cover featuring Tier 1 & 2 hospitals, semi-private rooms, basic maternity care, basic dental care, and mental health consultations.
NEM Retail Tulip Plan enhances health protection with Tier 1 and 2 network access. Includes ₦250,000 outpatient limit, ₦600,000 inpatient care in semi-private rooms, basic maternity and antenatal care, basic dental care (scaling and polishing, simple extractions), optical care, mental health consultations, extended diagnostic tests, and accommodation for a parent of an admitted child under 5.
Full breakdown of covered clinical procedures, medications, and consultations.
Exact statutory reimbursement limits underwritten by Nem Health LIMITED.
| Benefit Category | Annual Coverage Cap | Co-payment / Deductible |
|---|---|---|
| Overall Annual Maximum Benefit | ₦850,000 | ₦0 (Zero Deductible) |
| Enrollee Age Eligibility / Limit | 18 – 65 years | Valid ID / Proof of Age required |
| Inpatient Hospitalization Limit | ₦600,000 | ₦0 |
| Outpatient Primary Care Limit | ₦250,000 | ₦0 |
| Maternity & Childbirth Sub-limit | ₦250,000 | ₦0 |
| Dental Care Annual Sub-limit | ₦15,000 | ₦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 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 Nem Health LIMITED. 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 Nem Health LIMITED. 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 Nem Health LIMITED Official Website (nem-health.com) ↗