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HMO | Affordable Health Insurance Plans in Nigeria – Reliance HMO

Personal plan benefits

A comprehensive breakdown of coverage included in our popular Red Beryl, Alexandrite and Diamond personal health plans.

Red Beryl

  • Access to hospitals in Tier 4

  • ₦92,340 per person per year premium

  • ₦1,200,000 total benefit limits per individual per annum

  • Individual limits not transferrable to other members or third parties

Alexandrite

  • Access to hospitals in Tier 3

  • ₦117,420 per person per year premium

  • ₦1,800,000 total benefit limits per individual per annum

  • Individual limits not transferrable to other members or third parties

Diamond

  • Access to hospitals in Tier 2

  • ₦172,140 per person per year premium

  • ₦3,000,000 total benefit limits per individual per annum

  • Individual limits not transferrable to other members or third parties

Accessible from Quarter 1

Benefits available to plan members from the beginning of their plans.

Red Beryl Alexandrite Diamond
General consultation Outpatient and Inpatient Outpatient and Inpatient Outpatient and Inpatient
- Basic medical outpatient treatments
Specialist consultation (after 1 week) Up to 3 sessions per annum
Up to 5 sessions per annum
Up to 10 sessions per annum
- O and G specialist
- Pediatrician
- General surgeon
- Cardiothoracic surgeon
- Neurosurgeon
- Cardiologist
- ENT surgeon
- Urologist
- Orthopedic surgeon
- Gastroenterologist
- Psychiatrist
- Neonatologist
Free chats with doctors and nurses during medical emergencies
Free chats with doctors and nurses for routine medical info
GPS-enabled access to hospital directories when hospital info required
Free telemedicine app
Resuscitative care for accident and emergency cases, including basic radiological and laboratory investigations needed to stabilize patient before being moved to the ICU if need be.
Chest x-rays
Plain abdominal x-rays
Limbs x-rays
Neck x-rays
Skull x-rays
Lumbosacral x-rays
X-rays of body joints
Ultrasound scan
Hematological tests
Hemoglobin
Packed cell volume
White cell differential count
Full blood count and differentials
White blood cell count
Red blood cell count
Fasting blood sugar
Random blood sugar
Electrolyte, urea and creatine
Prostate-specific antigen
Serum albumin
Serum ALT/SGPT
Serum AST/SGOT
Serum bilirubin (direct and indirect)
Malaria parasite
Widal
Urine MCS
Stool MCS
Hepatitis B screening (on request by clinician)
HIV screening (on request by clinician)
Genotype (on request by clinician)
lood group (on request by clinician)
BCG
OPV
Pentavalent
HBV
DPT
Vitamin A
Measles
Yellow fever
Meningitis vaccine
Rotavirus vaccine
Pneumococcal vaccine
Typhoid vaccine
Patient transfer, roadside to hospital
Patient transfer, hospital to hospital

Accessible from Quarter 2

Benefits available to plan members after three months.

Red Beryl Alexandrite Diamond
Feeding for enrolees on admission
Hospital ward care General wards only Semi-private wards only
Skilled medical and paramedical services
Supply of prescribed intravenous/intramuscular, oral and topical drugs
Supply of all medical and surgical consumables
Accommodation for in-patient care 20 days per annum 30 days per annum 45 days per annum
Wound dressing
Incision & drainage of acute and chronic abscesses
Suturing of minor wounds
Suturing of lacerations
Ear piercing
Male circumcision

Accessible from Quarter 3

Benefits available to plan members after six months.

Red Beryl Alexandrite Diamond
Specialist consultation
Routine dental examination
Preventive dental care and counselling
Dental pain therapy
Pharmacological treatment of acute and chronic dental infections
Access to prescribed drugs
Annual limits for scaling / polishing Up to ₦5,000 Up to ₦7,5,000 Up to ₦10,500
Specialist Consultation
Routine fitness examination
Preventive counselling on referral
Pain therapy
Access to prescribed drugs
Coverage Up to 3 sessions Up to 5 sessions Up to 10 sessions
Mental illnesses - outpatient cases only Up to 4 weeks limit Up to 6 weeks limit Up to 10 weeks limit

Accessible from Quarter 4

Benefits available to plan members after nine months.

Red Beryl Alexandrite Diamond
Global limits for annual eye care Up to ₦15,000 Up to ₦25,000 Up to ₦40,000
Specialist consultation
Routine ocular examinations
Pharmacological treatment of acute and chronic ocular infections
Lenses and frames per individual (once every 2 years) Up to ₦5,000
annual global limit 		Up to ₦10,000
annual global limit 		Up to ₦10,000
annual global limit

Accessible from Quarter 5

Benefits available to plan members after 12 months.

Red Beryl Alexandrite Diamond
Coverage per individual Up to ₦150,000
annual global limit
Up to ₦300,000
annual global limit
Up to ₦500,000
annual global limit

Accessible from Quarter 6

Benefits available to plan members after 15 months.

Red Beryl Alexandrite Diamond
Coverage per individual Up to ₦150,000
annual global limit
Up to ₦300,000
annual global limit
Up to ₦500,000
annual global limit
Fitness programs at the gym 1 session per week 2 sessions per week 3 sessions per week
Body massage 1 session per year 2 sessions per year