How much does Life Action Plus Ivory Plan cost per year?

The annual premium for Life Action Plus Ivory Plan is ₦36,000 per year (or ₦3,300/month via instalment debit). This plan provides an overall annual medical claim limit of ₦200,000.

What hospitals are covered under Life Action Plus Ivory Plan?

Life Action Plus Ivory Plan provides access under Tier 3 - Basic hospital panels across Lagos, Abuja, Port Harcourt, and all 36 Nigerian states. Full accredited clinic lists are available for download in PDF format on HMO.ng.

What is the eligible age limit for Life Action Plus Ivory Plan?

The eligible enrollee age bracket for Life Action Plus Ivory Plan is 18 – 65 years. Valid proof of age (National ID, International Passport, or Voter Card) is required during onboarding.

What is the waiting period for Life Action Plus Ivory Plan claims?

General outpatient consultations, malaria care, and emergencies have a 0-day waiting period. Maternity delivery benefits activate after 12 months of continuous active cover.

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Life Action Plus Ivory Plan

Name: Life Action Plus Ivory Plan
Brand: Life Action Plus LTD.
Price: 36000 NGN
Availability: InStock

Tier 3 - Basic Individual Healthcare Active Enrolment Open 👥 Age Limit: 18 – 65 years

Affordable entry retail health plan covering outpatient care, 3 specialist consults, general ward admission, ₦180,000 minor surgical operations, and ₦7,500 optical benefits.

Download Hospital Directory (PDF)

Annual Policy Premium

₦ 36,000 / year

or ₦3,300 / month via direct debit

🎉 Save ₦3,600 with annual billing

Eligible Age Bracket 18 – 65 years

Annual Overall Cap ₦200,000

Outpatient Waiting Immediate (0 Days)

Enrol / Get Instant Quote

📋 Plan Benefits & Executive Summary

Life Action Plus Ivory Plan offers cost-effective medical security for individuals across Nigeria. Includes general outpatient care, 3 specialist consultations annually, basic hematology and microbiology, plain radiology and ECG, general ward hospitalization, ₦180,000 minor surgical procedures (after 9 months), maternity delivery coverage after 12 months, ₦7,500 optical care after 6 months, and 24-hour incubator support.

🛡️ Comprehensive Benefit Matrix

Full breakdown of covered clinical procedures, medications, and consultations.

✓

General Outpatient Consultations

Unlimited GP visits, primary laboratory investigations, malaria & typhoid treatments.

Covered: 100% within ₦80,000 limit

✓

Specialist Clinical Consultations

Cardiology, Orthopedics, Geriatrics, Endocrinology, Pediatrics, and ENT specialist reviews.

Covered upon GP referral

✓

Inpatient Admission & Hospital Care

Semi-Private / Private room ward accommodation, nursing care, doctor visits & feeding.

Limit: ₦120,000 / year

✓

Maternity & Delivery Care

Antenatal consultations, normal vaginal delivery, medically indicated Caesarean section.

Full Delivery Covered (9-month wait)

Dental Care & Oral Health

Routine scaling & polishing, non-surgical tooth extraction, amalgam/composite fillings.

Not Included

✓

Optical & Eye Health

Biennial eye refraction examination, glaucoma screening, prescription corrective lenses & frames.

Annual sub-limit: ₦7,500

✓

Pre-Existing Chronic Conditions

Routine management of Hypertension, Type 2 Diabetes, Arthritis, and chronic medication refills.

Covered after 9-month waiting period

✓

Emergency Trauma & Road Ambulance

24/7 Road ambulance dispatch, accidental emergency stabilization across all accredited centres.

Covered: Immediate 0-day access

💰 Financial Limits & Monetary Sub-limits

Exact statutory reimbursement limits underwritten by Life Action Plus LTD..

Benefit Category	Annual Coverage Cap	Co-payment / Deductible
Overall Annual Maximum Benefit	₦200,000	₦0 (Zero Deductible)
Enrollee Age Eligibility / Limit	18 – 65 years	Valid ID / Proof of Age required
Inpatient Hospitalization Limit	₦120,000	₦0
Outpatient Primary Care Limit	₦80,000	₦0
Maternity & Childbirth Sub-limit	₦250,000	₦0
Optical Eye Care Sub-limit	₦7,500	₦0
Prescription Medication Allowance	Included in Outpatient Limit	₦0 (Generic/Branded)
Telemedicine Consultations (App & Call)	Unlimited 24/7	Free

Managing Healthcare for 5 or More Employees?

Request a customized Corporate HMO Tender with negotiated group rates, zero deductible riders, and waived waiting periods for your team.

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🏥 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.

9 Months

Chronic Illness Management: Maintenance medications and routine monitoring for Hypertension, Diabetes, and Arthritis.

12 Months

Maternity Delivery Benefits: Full coverage for normal delivery and elective/emergency C-section procedures.

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 Life Action Plus LTD.. 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 Life Action Plus 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 Life Action Plus LTD. Official Website (lifeactionplus.com) ↗

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