Reliable private healthcare by Healthspring HMO offering ₦1,500,000 overall limit, 4 specialist visits, ₦200,000 surgical cover, and ₦10,000 optical benefits.
Healthspring Private Topaz Plan provides individuals with a generous ₦1.5M annual healthcare safety net. Covers GP consultations, 4 specialist consultations per annum, standard ward admission up to 30 days cumulative, ₦200,000 surgical operation limit, ₦10,000 optical lens care after 6 months, ₦75,000 drug prescription limit, maternity coverage up to surgery limit after 12 months, and telemedicine access.
Full breakdown of covered clinical procedures, medications, and consultations.
Exact statutory reimbursement limits underwritten by Healthspring HMO.
| Benefit Category | Annual Coverage Cap | Co-payment / Deductible |
|---|---|---|
| Overall Annual Maximum Benefit | ₦1,500,000 | ₦0 (Zero Deductible) |
| Enrollee Age Eligibility / Limit | 18 – 65 years | Valid ID / Proof of Age required |
| Inpatient Hospitalization Limit | ₦750,000 | ₦0 |
| Outpatient Primary Care Limit | ₦750,000 | ₦0 |
| Maternity & Childbirth Sub-limit | ₦250,000 | ₦0 |
| Dental Care Annual Sub-limit | ₦15,000 | ₦0 |
| Optical Eye Care Sub-limit | ₦10,000 | ₦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 3 - Basic 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 Healthspring HMO. 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 Healthspring HMO. 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 Healthspring HMO Official Website (healthspringhmo.com) ↗