Lagos State Health Management Agency (ILERA EKO) Health Plans, Hospital Network & 2026 Prices

🏥 Health Insurance Plans Underwritten by Lagos State Health Management Agency (ILERA EKO)

Compare transparent premiums in Nigerian Naira (₦), annual overall caps, and clinical benefit allowances.

Individual Tier 3 - Basic

Life Action Plus Ivory Plan

₦ 36,000 / year or ₦3,300/mo

Overall Annual Cap: ₦200,000

Eligible Age: 18 – 65 years

✓ Maternity ✕ Dental ✓ Optical ✓ 24/7 Telemed

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Individual Tier 2 - Standard

Ilera Eko Standard Jaara Plus Individual

₦ 40,000 / year or ₦3,700/mo

Overall Annual Cap: ₦2,000,000

Eligible Age: 0 – 65 years

✓ Maternity ✓ Dental ✓ Optical ✓ 24/7 Telemed

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Individual Tier 3 - Basic

Ilera Eko Standard Jaara Individual

₦ 45,000 / year or ₦3,750/mo

Overall Annual Cap: ₦2,500,000

Eligible Age: 18 – 65 years

✕ Maternity ✓ Dental ✕ Optical ✕ Telemed

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Family Tier 3 - Basic

Ilera Eko Standard Jaara Family

₦ 55,000 / year or ₦5,200/mo

Overall Annual Cap: ₦2,500,000

Eligible Age: 18–65 yrs (Kids 0–18 yrs)

✓ Maternity ✓ Dental ✓ Optical ✓ 24/7 Telemed

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Senior (60+) Tier 2 - Standard

Ilera Eko New Seniors Plan Individual

₦ 60,000 / year or ₦5,500/mo

Overall Annual Cap: ₦2,000,000

Eligible Age: 60 – 80 years

✕ Maternity ✓ Dental ✓ Optical ✓ 24/7 Telemed

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Individual Tier 2 - Standard

Life Action Plus Pearly Plan

₦ 60,000 / year or ₦5,500/mo

Overall Annual Cap: ₦350,000

Eligible Age: 18 – 65 years

✓ Maternity ✓ Dental ✓ Optical ✓ 24/7 Telemed

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Individual Tier 3 - Basic

Novo Standard Insurance Plan (SIP)

₦ 72,293 / year or ₦6,500/mo

Overall Annual Cap: ₦500,000

Eligible Age: 18 – 60 years

✓ Maternity ✕ Dental ✕ Optical ✓ 24/7 Telemed

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Individual Tier 2 - Standard

Novo Discover Insurance Plan (DIP)

₦ 85,531 / year or ₦7,700/mo

Overall Annual Cap: ₦750,000

Eligible Age: 18 – 60 years

✕ Maternity ✓ Dental ✓ Optical ✓ 24/7 Telemed

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Senior (60+) Tier 2 - Standard

Ilera Eko New Seniors Plan Couple

₦ 100,000 / year or ₦9,000/mo

Overall Annual Cap: ₦3,500,000

Eligible Age: 60 – 80 years

✕ Maternity ✓ Dental ✓ Optical ✓ 24/7 Telemed

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Individual Tier 2 - Standard

Life Action Plus Flaxy Plan

₦ 110,000 / year or ₦9,900/mo

Overall Annual Cap: ₦500,000

Eligible Age: 18 – 65 years

✓ Maternity ✓ Dental ✓ Optical ✓ 24/7 Telemed

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Family Tier 2 - Standard

Ilera Eko Standard Jaara Plus Family

₦ 146,000 / year or ₦13,200/mo

Overall Annual Cap: ₦4,000,000

Eligible Age: 18–65 yrs (Kids 0–18 yrs)

✓ Maternity ✓ Dental ✓ Optical ✓ 24/7 Telemed

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Individual Tier 1 - Premium Private

Novo Value Insurance Plan (VIP)

₦ 188,169 / year or ₦17,000/mo

Overall Annual Cap: ₦1,200,000

Eligible Age: 18 – 60 years

✓ Maternity ✓ Dental ✓ Optical ✓ 24/7 Telemed

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Individual Tier 1 - Premium Private

Life Action Plus Alabaster Plan

₦ 250,000 / year or ₦22,500/mo

Overall Annual Cap: ₦800,000

Eligible Age: 18 – 65 years

✓ Maternity ✓ Dental ✓ Optical ✓ 24/7 Telemed

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Senior (60+) Tier 2 - Standard

Novo Geriatric Standard Plan (SIP)

₦ 354,900 / year or ₦32,000/mo

Overall Annual Cap: ₦1,000,000

Eligible Age: 60 – 85 years

✕ Maternity ✓ Dental ✓ Optical ✓ 24/7 Telemed

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Senior (60+) Tier 1 - Premium Private

Novo Geriatric Value Plan (VIP)

₦ 655,200 / year or ₦59,000/mo

Overall Annual Cap: ₦1,500,000

Eligible Age: 60 – 85 years

✕ Maternity ✓ Dental ✓ Optical ✓ 24/7 Telemed

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Official NHIA Act 2022 Statutory Notice:

Lagos State Health Management Agency (ILERA EKO) is licensed and regulated by the National Health Insurance Authority under the NHIA Act 2022. Tariffs, hospital network tiers (Tier 1 Lagoon/Reddington vs Tier 2 Standard), and specific clinical exclusions are subject to periodic review by the underwriter. Subscribers are advised to verify participating clinics in their neighborhood prior to completing binding premium transfers.