Enhanced individual retail plan with ₦750,000 annual limit, ₦250,000 surgical procedures, ₦5,000 dental, ₦5,000 optical, and ₦200,000 cancer therapy support.
Novo Discover Insurance Plan (DIP) offers elevated healthcare protection for young professionals. Includes primary and specialist consultations, 21 days standard ward admission, ₦250,000 surgical limit, ₦5,000 dental scaling & polishing, ₦5,000 optical lens allowance, ₦150,000 emergency services, ₦200,000 cancer therapy allowance, and physiotherapy sessions up to ₦2,500/session.
Full breakdown of covered clinical procedures, medications, and consultations.
Exact statutory reimbursement limits underwritten by Novo Health Africa LIMITED.
| Benefit Category | Annual Coverage Cap | Co-payment / Deductible |
|---|---|---|
| Overall Annual Maximum Benefit | ₦750,000 | ₦0 (Zero Deductible) |
| Enrollee Age Eligibility / Limit | 18 – 60 years | Valid ID / Proof of Age required |
| Inpatient Hospitalization Limit | ₦450,000 | ₦0 |
| Outpatient Primary Care Limit | ₦300,000 | ₦0 |
| Dental Care Annual Sub-limit | ₦5,000 | ₦0 |
| Optical Eye Care Sub-limit | ₦5,000 | ₦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 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 Novo Health Africa 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 Novo Health Africa 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 Novo Health Africa LIMITED Official Website (novohealthafrica.org) ↗