Specialized eldercare insurance for seniors with ₦1,000,000 annual limit, ₦250,000 surgery limit, ₦10,000 dental, ₦15,000 optical, and 5 physiotherapy sessions.
Novo Geriatric Standard Insurance Plan (SIP) provides robust medical support for elderly individuals. Features primary care consultations, 6 common specialist visits (cardiologist, dermatologist, orthopaedic surgeon, ENT), ₦250,000 surgical operations (including ophthalmic surgery), ₦10,000 dental care, ₦15,000 optical allowance, 5 physiotherapy sessions per year, chronic disease prescription co-pay, and 24-hour emergency stabilization.
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 | ₦1,000,000 | ₦0 (Zero Deductible) |
| Enrollee Age Eligibility / Limit | 60 – 85 years | Valid ID / Proof of Age required |
| Inpatient Hospitalization Limit | ₦600,000 | ₦0 |
| Outpatient Primary Care Limit | ₦400,000 | ₦0 |
| Dental Care Annual Sub-limit | ₦10,000 | ₦0 |
| Optical Eye Care Sub-limit | ₦15,000 | ₦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 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) ↗