Executive retail plan featuring semi-private/private ward rooms (42 days), 12 specialist visits, ₦400,000 surgery limit, ₦150,000 maternity, and ₦20,000 dental benefits.
Novo Value Insurance Plan (VIP) is the top-tier retail health product by Novo Health Africa. Features private and semi-private ward hospitalization up to 42 days, 12 common specialist visits, 4 rare specialist consults, ₦400,000 surgical operations, ₦150,000 maternity delivery package (normal and C-section), ₦200,000 preterm infant care, ₦20,000 dental procedures, ₦12,500 optical care, ₦400,000 cancer therapy, and 3 sessions renal dialysis.
Full breakdown of covered clinical procedures, medications, and consultations.
Exact statutory reimbursement limits underwritten by Novo Health Africa LIMITED.
| Benefit Category | Annual Coverage Cap | Co-payment / Deductible |
|---|---|---|
| Overall Annual Maximum Benefit | ₦1,200,000 | ₦0 (Zero Deductible) |
| Enrollee Age Eligibility / Limit | 18 – 60 years | Valid ID / Proof of Age required |
| Inpatient Hospitalization Limit | ₦700,000 | ₦0 |
| Outpatient Primary Care Limit | ₦500,000 | ₦0 |
| Maternity & Childbirth Sub-limit | ₦250,000 | ₦0 |
| Dental Care Annual Sub-limit | ₦20,000 | ₦0 |
| Optical Eye Care Sub-limit | ₦12,500 | ₦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 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.
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) ↗