Ilera Eko Standard Jaara Individual
Tier 3 - Basic
Individual Healthcare
Active Enrolment Open
👥 Age Limit: 18 – 65 years
Affordable Lagos State social health scheme cover featuring 15 days admission, full maternal and delivery care, generic drug refills, and 24/7 telemedicine.
Annual Policy Premium
₦
45,000
/ year
or ₦3,750 / month via direct debit
Eligible Age Bracket
18 – 65 years
Annual Overall Cap
₦2,500,000
Outpatient Waiting
Immediate (0 Days)
📋 Plan Benefits & Executive Summary
Ilera Eko Standard Jaara Individual is an accredited Nigerian health plan underwritten by Lagos State Health Management Agency (ILERA EKO). Designed for Individual coverage across Tier 3 - Basic facilities.
🛡️ Comprehensive Benefit Matrix
Full breakdown of covered clinical procedures, medications, and consultations.
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💰 Financial Limits & Monetary Sub-limits
Exact statutory reimbursement limits underwritten by Lagos State Health Management Agency (ILERA EKO).
| Benefit Category | Annual Coverage Cap | Co-payment / Deductible |
|---|---|---|
| Overall Annual Maximum Benefit | ₦2,500,000 | ₦0 (Zero Deductible) |
| Enrollee Age Eligibility / Limit | 18 – 65 years | Valid ID / Proof of Age required |
| Inpatient Hospitalization Limit | ₦1,500,000 | ₦0 |
| Outpatient Primary Care Limit | ₦450,000 | ₦0 |
| Dental Care Annual Sub-limit | ₦45,000 | ₦0 |
| Prescription Medication Allowance | Included in Outpatient Limit | ₦0 (Generic/Branded) |
| Telemedicine Consultations (App & Call) | Unlimited 24/7 | Free |
🏥 Accredited Hospital Network Tiers
This plan provides access under Tier 3 - Basic across Nigeria.
🏥 Tier 2 (Standard Accredited) Network Access
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.
- Quality secondary medical centres in state capitals and urban hubs.
- Diagnostic laboratory and radiology centres nationwide.
- Tier 1 hospitals require a plan upgrade or co-payment arrangement.
Need to verify your neighborhood clinic?
Download the full 2026 official hospital network directory.
Download PDF Directory
⏱️ Waiting Periods & Activation Timeline
National Health Insurance Authority (NHIA) statutory waiting periods for claim approvals.
Day 0
Immediate Access: General Outpatient Consultations, Malaria Treatment, Emergency Stabilization, Generic Medications.
30 Days
Specialist Care: Specialist Doctor Consultations, Advanced Lab Tests, Ultrasound Scans.
12 Months
Major Elective Surgeries: Complex orthopedic surgeries, hysterectomy, and major inpatient surgical interventions.
🚫 Policy Exclusions & Limitations
In accordance with NHIA guidelines, the following procedures are excluded from standard coverage:
- Cosmetic or aesthetic surgical procedures not required due to accidental injury.
- International medical evacuation or treatments performed outside the Federal Republic of Nigeria.
- Infertility investigations and assisted reproductive technology (IVF) unless purchased as an enterprise corporate rider.
- Treatment of injuries resulting from participation in extreme competitive sports or war/civil unrest.
⚖️ Plan Verification Notice & Consumer Advisory
This policy is underwritten by Lagos State Health Management Agency (ILERA EKO). All plan specifications, monetary caps, and premium schedules displayed on this portal are compiled from official NHIA tariff schedules and published underwriter guidelines.
Mandatory Direct Provider Validation:
HMO underwriting terms, participating clinic rosters, and waiting period waivers are subject to regular updates by Lagos State Health Management Agency (ILERA EKO). 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 Lagos State Health Management Agency (ILERA EKO) Official Website (lashma.com) ↗