Budget retail health plan by Mbando HMO with Tier 1 hospital access, general ward admission, ₦100,000 minor surgical operations, and ₦100,000 maternity delivery.
Mbando Caramel HIMID Plan offers affordable primary and secondary care via Tier 1 hospitals. Enjoys general doctor and specialist consultations, basic laboratory tests and X-rays, general ward hospitalization, ₦100,000 minor surgical procedures, ₦100,000 maternity delivery package (SVD/CS), ₦10,000 dental pain relief and extractions, ₦7,500 optical care, and 4 physiotherapy sessions.
Full breakdown of covered clinical procedures, medications, and consultations.
Exact statutory reimbursement limits underwritten by MB & O Healthcare Services LIMITED.
| Benefit Category | Annual Coverage Cap | Co-payment / Deductible |
|---|---|---|
| Overall Annual Maximum Benefit | ₦500,000 | ₦0 (Zero Deductible) |
| Enrollee Age Eligibility / Limit | 18 – 65 years | Valid ID / Proof of Age required |
| Inpatient Hospitalization Limit | ₦300,000 | ₦0 |
| Outpatient Primary Care Limit | ₦200,000 | ₦0 |
| Maternity & Childbirth Sub-limit | ₦250,000 | ₦0 |
| Dental Care Annual Sub-limit | ₦10,000 | ₦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 |
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 MB & O Healthcare Services LIMITED. 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 MB & O Healthcare Services LIMITED. 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 MB & O Healthcare Services LIMITED Official Website (mbandohmo.com) ↗