Ultra-premium health plan covering Nigeria and Africa Tier 1, private room, organ transplant support, international travel insurance, and executive health checks.
NEM Retail Marigold Plan is NEM Health’s ultimate individual plan with coverage spanning Nigeria and Africa. It provides ₦2,500,000 inpatient private room hospitalization, ₦800,000 outpatient limit, executive annual physical screening, organ transplant support, international travel health insurance, extended mental health therapy, full dental & optical allowances, and VIP concierge assistance.
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 | ₦3,300,000 | ₦0 (Zero Deductible) |
| Enrollee Age Eligibility / Limit | 18 – 65 years | Valid ID / Proof of Age required |
| Inpatient Hospitalization Limit | ₦2,500,000 | ₦0 |
| Outpatient Primary Care Limit | ₦800,000 | ₦0 |
| Maternity & Childbirth Sub-limit | ₦250,000 | ₦0 |
| Dental Care Annual Sub-limit | ₦60,000 | ₦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 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 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) ↗