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Home / Health Plans / Individual / Novo Discover Insurance Plan (DIP)
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Novo Discover Insurance Plan (DIP)

Tier 2 - Standard Individual Healthcare Active Enrolment Open 👥 Age Limit: 18 – 60 years

Enhanced individual retail plan with ₦750,000 annual limit, ₦250,000 surgical procedures, ₦5,000 dental, ₦5,000 optical, and ₦200,000 cancer therapy support.

Annual Policy Premium
₦ 85,531 / year
or ₦7,700 / month via direct debit
🎉 Save ₦6,869 with annual billing
Eligible Age Bracket 18 – 60 years
Annual Overall Cap ₦750,000
Outpatient Waiting Immediate (0 Days)
Enrol / Get Instant Quote

📋 Plan Benefits & Executive Summary

Novo Discover Insurance Plan (DIP) offers elevated healthcare protection for young professionals. Includes primary and specialist consultations, 21 days standard ward admission, ₦250,000 surgical limit, ₦5,000 dental scaling & polishing, ₦5,000 optical lens allowance, ₦150,000 emergency services, ₦200,000 cancer therapy allowance, and physiotherapy sessions up to ₦2,500/session.

🛡️ 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 ₦300,000 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: ₦450,000 / year
✕

Maternity & Delivery Care

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

Not covered under this tier
✓

Dental Care & Oral Health

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

Annual sub-limit: ₦5,000
✓

Optical & Eye Health

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

Annual sub-limit: ₦5,000
✓

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 ₦750,000 ₦0 (Zero Deductible)
Enrollee Age Eligibility / Limit 18 – 60 years Valid ID / Proof of Age required
Inpatient Hospitalization Limit ₦450,000 ₦0
Outpatient Primary Care Limit ₦300,000 ₦0
Dental Care Annual Sub-limit ₦5,000 ₦0
Optical Eye Care Sub-limit ₦5,000 ₦0
Prescription Medication Allowance Included in Outpatient Limit ₦0 (Generic/Branded)
Telemedicine Consultations (App & Call) Unlimited 24/7 Free
SPONSORED CORPORATE ADVISORY

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.

🏥 Accredited Hospital Network Tiers

This plan provides access under Tier 2 - Standard 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
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) ↗
UNDERWRITTEN BY

Novo Health Africa LIMITED

🛡️ NHIA
Visit novohealthafrica.org ↗
ℹ️ Validation Notice: Users are to reach out directly to Novo Health Africa LIMITED to validate active local hospital rosters and policy terms prior to payment.
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Prescription Medications & Chronic Drug Refills

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Annual Premium ₦85,531 or ₦7,700/mo