Balanced individual health cover featuring semi-private ward hospitalization, 5 specialist visits, ₦250,000 minor/intermediate surgeries, and ₦20,000 dental benefits.
Life Action Plus Pearly Plan delivers enhanced inpatient and outpatient care. Key features include semi-private ward hospitalization, 5 specialist visits per year, ₦250,000 minor and intermediate surgical procedures, ₦20,000 dental care limit after 6 months, ₦10,500 optical allowance, 5 physiotherapy sessions, emergency CT scan (1 session), annual health screening after 9 months, and 48-hour incubator care.
Full breakdown of covered clinical procedures, medications, and consultations.
Exact statutory reimbursement limits underwritten by Life Action Plus LTD..
| Benefit Category | Annual Coverage Cap | Co-payment / Deductible |
|---|---|---|
| Overall Annual Maximum Benefit | ₦350,000 | ₦0 (Zero Deductible) |
| Enrollee Age Eligibility / Limit | 18 – 65 years | Valid ID / Proof of Age required |
| Inpatient Hospitalization Limit | ₦200,000 | ₦0 |
| Outpatient Primary Care Limit | ₦150,000 | ₦0 |
| Maternity & Childbirth Sub-limit | ₦250,000 | ₦0 |
| Dental Care Annual Sub-limit | ₦20,000 | ₦0 |
| Optical Eye Care Sub-limit | ₦10,500 | ₦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 2 - Standard 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 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.
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) ↗