Executive wellness-focused health plan with private ward stays, ₦400,000 surgical benefits, twice-weekly fitness club membership, and annual preventive health screening.
Ashmed Ruby Wellness & Preventive Plan offers high-level healthcare security with emphasis on preventive medicine. Includes private ward admission up to 25 days cumulative, feeding allowance (₦2,500/day), 15 specialist consultations, ₦400,000 major surgical cover, ₦30,000 optical benefits with intermediate eye surgeries, ₦30,000 dental with RCT and 60% dentures, 10 physiotherapy sessions, twice-weekly gym membership, annual health checks, renal dialysis (₦30,000), and 15 days mortuary cover.
Full breakdown of covered clinical procedures, medications, and consultations.
Exact statutory reimbursement limits underwritten by Ashmed Integrated Health Services LTD..
| Benefit Category | Annual Coverage Cap | Co-payment / Deductible |
|---|---|---|
| Overall Annual Maximum Benefit | ₦4,000,000 | ₦0 (Zero Deductible) |
| Enrollee Age Eligibility / Limit | 18 – 65 years | Valid ID / Proof of Age required |
| Inpatient Hospitalization Limit | ₦2,000,000 | ₦0 |
| Outpatient Primary Care Limit | ₦1,000,000 | ₦0 |
| Maternity & Childbirth Sub-limit | ₦250,000 | ₦0 |
| Dental Care Annual Sub-limit | ₦30,000 | ₦0 |
| Optical Eye Care Sub-limit | ₦30,000 | ₦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 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 Ashmed Integrated Health Services LTD.. 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 Ashmed Integrated Health Services LTD.. 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 Ashmed Integrated Health Services LTD. Official Website (ashmedintegratedhealthservices.com) ↗