How much does Novo Standard Insurance Plan (SIP) cost per year?

The annual premium for Novo Standard Insurance Plan (SIP) is ₦72,293 per year (or ₦6,500/month via instalment debit). This plan provides an overall annual medical claim limit of ₦500,000.

What hospitals are covered under Novo Standard Insurance Plan (SIP)?

Novo Standard Insurance Plan (SIP) provides access under Tier 3 - Basic hospital panels across Lagos, Abuja, Port Harcourt, and all 36 Nigerian states. Full accredited clinic lists are available for download in PDF format on HMO.ng.

What is the eligible age limit for Novo Standard Insurance Plan (SIP)?

The eligible enrollee age bracket for Novo Standard Insurance Plan (SIP) is 18 – 60 years. Valid proof of age (National ID, International Passport, or Voter Card) is required during onboarding.

What is the waiting period for Novo Standard Insurance Plan (SIP) claims?

General outpatient consultations, malaria care, and emergencies have a 0-day waiting period. Maternity delivery benefits activate after 12 months of continuous active cover.

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Novo Standard Insurance Plan (SIP)

Name: Novo Standard Insurance Plan (SIP)
Brand: Novo Health Africa LIMITED
Price: 72292.5 NGN
Availability: InStock

Tier 3 - Basic Individual Healthcare Active Enrolment Open 👥 Age Limit: 18 – 60 years

Accessible retail health cover by Novo Health Africa featuring ₦500,000 overall limit, 21 days standard ward admission, ₦150,000 surgery limit, and ₦75,000 maternity care.

Download Hospital Directory (PDF)

Annual Policy Premium

₦ 72,293 / year

or ₦6,500 / month via direct debit

🎉 Save ₦5,708 with annual billing

Eligible Age Bracket 18 – 60 years

Annual Overall Cap ₦500,000

Outpatient Waiting Immediate (0 Days)

Enrol / Get Instant Quote

📋 Plan Benefits & Executive Summary

Novo Standard Insurance Plan (SIP) provides affordable, structured health cover. Benefits include unlimited primary care consultations, 6 common specialist visits per annum, 21 days standard ward hospitalization, ₦150,000 surgical operation limit, ₦75,000 normal maternity delivery, ₦100,000 emergency stabilization limit, 2 sessions renal dialysis (₦15,000/session), and cancer care support up to ₦100,000.

🛡️ Comprehensive Benefit Matrix

Full breakdown of covered clinical procedures, medications, and consultations.

✓

General Outpatient Consultations

Unlimited GP visits, primary laboratory investigations, malaria & typhoid treatments.

Covered: 100% within ₦200,000 limit

✓

Specialist Clinical Consultations

Cardiology, Orthopedics, Geriatrics, Endocrinology, Pediatrics, and ENT specialist reviews.

Covered upon GP referral

✓

Inpatient Admission & Hospital Care

Semi-Private / Private room ward accommodation, nursing care, doctor visits & feeding.

Limit: ₦300,000 / year

✓

Maternity & Delivery Care

Antenatal consultations, normal vaginal delivery, medically indicated Caesarean section.

Full Delivery Covered (9-month wait)

Dental Care & Oral Health

Routine scaling & polishing, non-surgical tooth extraction, amalgam/composite fillings.

Not Included

Optical & Eye Health

Biennial eye refraction examination, glaucoma screening, prescription corrective lenses & frames.

Not Included

✓

Pre-Existing Chronic Conditions

Routine management of Hypertension, Type 2 Diabetes, Arthritis, and chronic medication refills.

Covered after 6-month waiting period

✓

Emergency Trauma & Road Ambulance

24/7 Road ambulance dispatch, accidental emergency stabilization across all accredited centres.

Covered: Immediate 0-day access

💰 Financial Limits & Monetary Sub-limits

Exact statutory reimbursement limits underwritten by Novo Health Africa LIMITED.

Benefit Category	Annual Coverage Cap	Co-payment / Deductible
Overall Annual Maximum Benefit	₦500,000	₦0 (Zero Deductible)
Enrollee Age Eligibility / Limit	18 – 60 years	Valid ID / Proof of Age required
Inpatient Hospitalization Limit	₦300,000	₦0
Outpatient Primary Care Limit	₦200,000	₦0
Maternity & Childbirth Sub-limit	₦250,000	₦0
Prescription Medication Allowance	Included in Outpatient Limit	₦0 (Generic/Branded)
Telemedicine Consultations (App & Call)	Unlimited 24/7	Free

Managing Healthcare for 5 or More Employees?

Request a customized Corporate HMO Tender with negotiated group rates, zero deductible riders, and waived waiting periods for your team.

Speak with Corporate Advisor →

🏥 Accredited Hospital Network Tiers

This plan provides access under Tier 3 - Basic across Nigeria.

🏥 Tier 2 (Standard Accredited) Network Access

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.

Quality secondary medical centres in state capitals and urban hubs.
Diagnostic laboratory and radiology centres nationwide.
Tier 1 hospitals require a plan upgrade or co-payment arrangement.

Need to verify your neighborhood clinic? Download the full 2026 official hospital network directory.

Download PDF Directory

⏱️ Waiting Periods & Activation Timeline

National Health Insurance Authority (NHIA) statutory waiting periods for claim approvals.

Day 0

Immediate Access: General Outpatient Consultations, Malaria Treatment, Emergency Stabilization, Generic Medications.

30 Days

Specialist Care: Specialist Doctor Consultations, Advanced Lab Tests, Ultrasound Scans.

6 Months

Chronic Illness Management: Maintenance medications and routine monitoring for Hypertension, Diabetes, and Arthritis.

12 Months

Maternity Delivery Benefits: Full coverage for normal delivery and elective/emergency C-section procedures.

12 Months

Major Elective Surgeries: Complex orthopedic surgeries, hysterectomy, and major inpatient surgical interventions.

🚫 Policy Exclusions & Limitations

In accordance with NHIA guidelines, the following procedures are excluded from standard coverage:

Cosmetic or aesthetic surgical procedures not required due to accidental injury.
International medical evacuation or treatments performed outside the Federal Republic of Nigeria.
Infertility investigations and assisted reproductive technology (IVF) unless purchased as an enterprise corporate rider.
Treatment of injuries resulting from participation in extreme competitive sports or war/civil unrest.

⚖️ Plan Verification Notice & Consumer Advisory

This policy is underwritten by Novo Health Africa LIMITED. All plan specifications, monetary caps, and premium schedules displayed on this portal are compiled from official NHIA tariff schedules and published underwriter guidelines.

⚠️

Mandatory Direct Provider Validation:

HMO underwriting terms, participating clinic rosters, and waiting period waivers are subject to regular updates by Novo Health Africa 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 Novo Health Africa LIMITED Official Website (novohealthafrica.org) ↗

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