Nigeria
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Reliance HMO

Small Business Benefits

FROM ₦68,400 PER PERSON

Red Beryl

Our most affordable small business HMO plan, providing access to great benefits across Nigeria.

  • Access to hospitals in Tier 4

  • From ₦232,000 per person per year including family member coverage

  • ₦2,000,000 total benefit limits per person per year

  • Access to over 1,407 providers in our network

  • Up to ₦25,000 per person per year for eye exams, dental cleanings, and more

  • And much more

FROM ₦68,400 / YEAR

FROM ₦103,300 PER PERSON

Alexandrite

Comprehensive support to employees, with access to a wide network of healthcare providers.

  • From ₦103,300 per person per year per year for staff cover

  • From ₦380,000 per person per year with family cover included

  • ₦3,500,000 total benefit limits per person per year

  • Access to over 2,448 providers in our network

  • Up to ₦45,000 per person per year for eye exams, dental cleanings, and more

  • Gym access once per week

  • One spa visit for a massage or facial per year

  • Access to semi-private wards

  • And much more

FROM ₦103,300 / YEAR

FROM ₦177,700 PER PERSON

Diamond

Gives your staff access to a greater number of hospitals, plus wellness checks and private wards.

  • From ₦177,700 per person per year for staff cover

  • From ₦638,400 per person per year with family cover included

  • ₦5,000,000 total benefit limits per person per year

  • Access to over 2,641 providers in our network

  • Regular wellness checks for staff

  • Up to ₦105,000 per person per year for eye exams, dental cleanings, and more

  • Gym access twice per week

  • Two spa visits for a massage and facial per year

  • Access to private wards

  • And much more

FROM ₦177,700 / YEAR

FROM ₦268,850 PER PERSON

Red Diamond

Our ultimate plan, giving staff the widest range of support at the most number of clinics and providers.

  • From ₦268,850 per person per year for staff cover

  • From ₦482,000 per person per year with family cover included

  • ₦7,000,000 total benefit limits per person per year

  • Access to over 2,746 providers in our network

  • Regular wellness checks for staff

  • Up to ₦140,000 per person per year for eye exams, dental cleanings, and more

  • Gym access 3 times per week

  • Two spa visits for a massage and one facial per year

  • Access to private wards

  • And much more

FROM ₦268,850 / YEAR

Reliance HMO Small Business Plan Benefits

Benefits available to plan members for each of the small business plans.

Red Beryl Alexandrite Diamond Red Diamond
Number of principals required to activate plans 3-19 3-19 3-19 3-19
INDIVIDUAL (Quarterly PAYMENT) 82,080 130,200 213,600 322,800
FAMILY (Quarterly PAYMENT) 278,400 456,000 778,200 1,778,400
INDIVIDUAL (BIANNUAL PAYMENT 15% DISCOUNT) 71,820 113,800 186,600 282,300
FAMILY (BIANNUAL PAYMENT 15% DISCOUNT) 243,600 398,562 679,832 1,555,273
INDIVIDUAL (ANNUAL PAYMENT 20% DISCOUNT) 68,400 108,300 1,777,00 268,850
FAMILY (ANNUAL PAYMENT 20% DISCOUNT) 232,000 380,000 638,400 1,482,000
HOSPITAL TIER(S) Tier 4 Tier 3&4 Tier 2-4 Tier 1-4
TOTAL BENEFIT LIMITS PER ENROLLEE (NAIRA); NOT TRANSFERABLE 2,000,000 3,500,000 5,000,000 7,000,000
ACCIDENT AND EMERGENCY CARE Covered Covered Covered Covered
Resuscitative care for accident and emergency cases, including basic radiological and laboratory investigations needed to stabilize patient before specialized intervention, intensive care or surgery Covered Covered Covered Covered
ADMISSIONS AND ACCOMMODATION Unlimited Unlimited Unlimited Unlimited
Hospital Ward Care Covered (GENERAL WARD ONLY) Covered (SEMI-PRIVATE WARD) Covered (PRIVATE WARD) Covered (PRIVATE WARD)
Skilled medical and paramedical services Covered Covered Covered Covered
Supply of prescribed medications, medical & surgical consumables Covered Covered Covered Covered
Blood grouping, cross matching, and transfusion Covered Covered Covered Covered
Accommodation & feeding for in-patient care Covered Covered Covered Covered
Accommodation for parents/relatives of patients on admission (Excludes feeding for parents/relatives) Covered (FOR 24 HOURS; LIMITED TO ICU AND NEONATAL CARE ONLY Covered (FOR 48 HOURS; LIMITED TO ICU AND NEONATAL CARE ONLY Covered (FOR 48 HOURS; LIMITED TO ICU AND NEONATAL CARE ONLY Covered (FOR 48 HOURS; LIMITED TO ICU AND NEONATAL CARE ONLY
General practioner consultation Covered Covered Covered Covered
Specialist consultaiton (except rheumatologist) Covered Covered Covered Covered
Chronic disease medications Covered Covered Covered Covered
Non-chronic disease medications Covered Non-chronic disease medications Non-chronic disease medications Non-chronic disease medications
Free chats via telemedicinewith qualified and certified Doctors when in need of care during any medical emergency Covered Covered Covered Covered
GPS-enabled access to hospital directories when hospital information is needed Covered Covered Covered Covered
Free Telemedicine app with details of all covered benefits on the scheme Covered Covered Covered Covered
X-Rays (non-contrast) Covered Covered Covered Covered
Routine & non-interventional ultrasound Scans (Obstetrics; Abdominal, Pelvic, Breast, Testicular/Scrotal, Thyroid, Prostate, Bladder, and Brain) Covered Covered Covered Covered
Resting Electrocardiography (ECG) Covered Covered Covered Covered
CT Scan (contrast & non-contrast) Covered (1 SESSION PER ANNUM) Covered (1 SESSION PER ANNUM) Covered (2 SESSIONS PER ANNUM) Covered (3 SESSIONS PER ANNUM)
MRI (contrast & non-contrast) Covered (1 SESSION PER ANNUM) Covered (1 SESSION PER ANNUM) Covered (2 SESSIONS PER ANNUM) Covered (3 SESSIONS PER ANNUM)
2D transthoracic echocardiography (paediatric & adult) Not Covered Covered (1 SESSION PER ANNUM) Covered (2 SESSIONS PER ANNUM) Covered (3 SESSIONS PER ANNUM)
Advanced non-interventional ultrasound imaging (Uroflowmetry, urodynamics) Not Covered Not Covered Covered (1 SESSION PER ANNUM) Covered (2 SESSIONS PER ANNUM)
Contrast X-Ray procedures (Urogram, pyelogram, uroflowmetry, etc) Not Covered Not Covered Covered (1 SESSION PER ANNUM) Covered (2 SESSIONS PER ANNUM)
Non-interventional endoscopy (colonoscopy, sigmoidoscopy, upper GI endosocopy, etc) Not Covered Not Covered Covered (1 SESSION PER ANNUM) Covered (2 SESSIONS PER ANNUM)
Stress & ambulatory (Holter) ECG Not Covered Not Covered Covered (1 SESSION PER ANNUM) Covered (2 SESSIONS PER ANNUM)
Electoencephalogram (EEG) Not Covered Not Covered Covered (1 SESSION PER ANNUM) Covered (2 SESSIONS PER ANNUM)
24-hour blood pressure monitoring Not Covered Not Covered Covered (1 SESSION PER ANNUM) Covered (2 SESSIONS PER ANNUM)
Doppler Ultrasound Scan Not Covered Not Covered Not Covered Covered (1 SESSION PER ANNUM)
Haematology I (FBC + differentials, blood film, RBC indices, ESR). Covered Covered Covered Covered
Haematology II (Pregnancy test (qualitative Beta HCG), blood group & genotype, PT/INR, clotting profile) Covered Covered Covered Covered
Chemistry I (Fasting, random, OGTT & post-prandial blood sugar) Covered Covered Covered Covered
Chemistry II (Electrolytes, Urea & Creatinine/Kidney function test, Lipid Profile, Liver function) Covered Covered Covered Covered
Microbiology and Parasitology (Malaria parasite, MCS, Hepatitis B Surface Antigen (HBSAg), Hepatitis C screening, HIV I & II screening & VDRL) Covered Covered Covered Covered
H.pylori, Stool Occult Blood Covered Covered Covered Covered
Blood culture, Mantoux/Heaf's Test, HIV Confirmatory Test Covered Covered Covered Covered
Thyroid Function Tests, Serum Uric Acid, Prostate Specific Antigen (PSA) Covered Covered Covered Covered
24Hours Creatinine Clearance Covered Covered Covered Covered
Pap smear and cytology Covered Covered Covered Covered
Trypanosomes, leishmania & toxoplasma screening Covered Covered Covered Covered
Skin snip for microfilaria, skin scrapping for fungi Covered Covered Covered Covered
Sputum acid-fast bacilli (AFB), QBC Malaria Concentration and fluorescent Staining Covered Covered Covered Covered
HBA1C, Coomb's test (direct & indirect) Not Covered Covered Covered Covered
Cardiac markers (CK-MB, Troponin I & T), serum kinase & phosphokinase, D-dimer Not Covered Covered Covered Covered
Iron studies (serum iron, ferritin, TIBC), Not Covered Covered Covered Covered
Seminal fluid analysis (SFA) Not Covered Covered Covered Covered
Protein Electrophoresis, Chlamydia Screening Not Covered Not Covered Not Covered Not Covered
Serum immunoglobulins/Antibodies, immunofluorescence assay Not Covered Not Covered Not Covered Not Covered
ICU, HDU, Step-down unit, ICU-related care Covered (for 24 hours) Covered (for 48 hours) Covered (for 72 hours) Covered (for 7 days)
Specialist Ophthalmologist Consultation Covered Covered Covered Covered
Basic Ocular Test (Tonometry/Intra-Ocular Pressure (IOP), Refraction) Covered Covered Covered Covered
Basic Ocular Test (Direct ophthalmoscopy or Fundoscopy, Pachymetry, and Slit Lamp) Covered Covered Covered Covered
Advanced Ocular Test (Central Visual Field, Indirect Opthalmoscopy, Depth Perception Test) Not Covered Not Covered Covered (1 session each per annum) Covered (2 sessions each per annum)
Advanced Ocular Test (Shirmer's Tear Test, Amsler Test, Retina Photography, OCT Scan, A Scan, B Scan) Not Covered Not Covered Covered (1 session each per annum) Covered (2 sessions each per annum)
Lenses and Frames (Including Contact lenses) Covered (Up to N10,000 annual limit) Covered (Up to N15,000 annual limit) Covered (Up to N30,000 annual limit) Covered (Up to N40,000 annual limit)
Specialist Consultation & routine dental examination All dental care covered up to annual limit of N15,000 All dental care covered up to annual limit of N30,000 All dental care covered up to annual limit of N75,000 All dental care covered up to annual limit of N100,000
Preventive dental care and counselling - Scaling and Polishing All dental care covered up to annual limit of N15,000 All dental care covered up to annual limit of N30,000 All dental care covered up to annual limit of N75,000 All dental care covered up to annual limit of N100,000
Dental pain therapy & pharmacological treatment of acute and chronic dental infections All dental care covered up to annual limit of N15,000 All dental care covered up to annual limit of N30,000 All dental care covered up to annual limit of N75,000 All dental care covered up to annual limit of N100,000
Dental procedures - Surgical & non- surgical extraction, root canal therapy, operculectomy, gingival curettage, composite & amalgam filling, incision and drainage All dental care covered up to annual limit of N15,000 All dental care covered up to annual limit of N30,000 All dental care covered up to annual limit of N75,000 All dental care covered up to annual limit of N100,000
Specialist consultation & examination, physical therapy 7 sessions per annum 10 sessions per annum 15 sessions per annum 25 sessions per annum
Access to prescribed drugs Covered Covered Covered Covered
Physiotherapy Devices ( Cervical collar, arm sling, knee & ankle brace, lumbar corset, crutches) Not Covered Covered Covered Covered
Special Walking Aids (Walker frame) Not Covered Not Covered Covered Covered
Antenatal Care (Specialist consultations, medictions, laboratory tests and scans) Covered up to N80,000 Limit Covered up to N100,000 Limit Covered up to N120,000 Limit Covered up to N150,000 Limit
Vaginal Delivery (Spontaneous, assisted, multiple) Covered up to N80,000 Limit Covered up to N100,000 Limit Covered up to N120,000 Limit Covered up to N150,000 Limit
Caesarean Section Covered up to N80,000 Limit Covered up to N100,000 Limit Covered up to N120,000 Limit Covered up to N150,000 Limit
Therapeutic Abortion (Manual Vacuum Aspiration) Covered up to N80,000 Limit Covered up to N100,000 Limit Covered up to N120,000 Limit Covered up to N150,000 Limit
Fertility Specialist Consultation and Counselling Covered (1 SESSION ONLY) Covered (1 SESSION ONLY) Covered (1 SESSION ONLY) Covered (1 SESSION ONLY)
Fertility Investigations Not Covered (TPA) Covered (Up to N30,000 limit) Covered (Up to N60,000 limit) Covered (Up to N100,000 limit)
Neonatal / Special Baby Care Unit Covered (FOR UP TO 48 HOURS) Covered (FOR 5 DAYS) Covered (FOR 10 DAYS) Covered (FOR 21 DAYS)
Support for premature neonate including incubator care & CPAP Covered (FOR UP TO 48 HOURS) Covered (FOR 5 DAYS) Covered (FOR 10 DAYS) Covered (FOR 21 DAYS)
Phototherapy Covered (FOR UP TO 48 HOURS) Covered (FOR 5 DAYS)) Covered (FOR 10 DAYS) Covered (FOR 21 DAYS)
Care for babies not ACTIVELY on the plan only applies if the mother has an active policy and expires after 6 weeks of life Covered up to N30,000 limit Covered up to N40,000 limit Covered up to N50,000 limit Covered up to N60,000 limit
Vaccines under NPI (BCG, Polio (OPV/IPV), Diphtheria, Pertusis, Tetanus (DPT)) Covered Covered Covered Covered
Vaccines under NPI (Pentavalent, Hepatitis B, Measles, Yellow fever, Vitamin A) Covered Covered Covered Covered
Vaccines outside NPI (Chicken pox (varicella), Measles Mump Rubella (MMR)) Covered Covered Covered Covered
Meningitis/meningococcal & Hexavalent Not Covered Covered Covered Covered
Pneumococcal (PCV) & Rotavirus Not Covered Not Covered Covered Covered
Hepatitis B Covered Covered Covered Covered
Yello Fever and Meningitis Not Covered Covered Covered Covered
Contraceptive Pills Covered Covered Covered Covered
Implants - Implanon, Norplant, Jadelle Covered Covered Covered Covered
Copper T Intrauterine Device, Injectibles (Depo Provera,Noristerat) Not Covered Covered Covered Covered
Access to gyms for regular exercise Not Covered Covered (1 SESSION PER WEEK) Covered (2 SESSION PER WEEK) Covered (3 SESSION PER WEEK)
Facials Not Covered Either facials or body massage covered Covered (1 SESSION PER YEAR) Covered (1 SESSION PER YEAR)
Body Massage Not Covered Either facials or body massage covered Covered (1 SESSION PER YEAR) Covered (2 SESSION PER YEAR)
Minor Covered up to N100,000 per annum Covered up to N150,000 per annum Covered up to N300,000 per annum Covered up to N500,000 per annum
Intermediate Covered up to N100,000 per annum Covered up to N150,000 per annum Covered up to N300,000 per annum Covered up to N500,000 per annum
Major Covered up to N100,000 per annum Covered up to N150,000 per annum Covered up to N300,000 per annum Covered up to N500,000 per annum
Oncologist/ Cancer Specialist visits Covered up to N100,000 per annum Covered up to N150,000 per annum Covered up to N300,000 per annum Covered up to N500,000 per annum
Cancer-related Radiological investigations Covered up to N100,000 per annum Covered up to N150,000 per annum Covered up to N300,000 per annum Covered up to N500,000 per annum
Surgical cancer care & chemotherapy Covered up to N100,000 per annum Covered up to N150,000 per annum Covered up to N300,000 per annum Covered up to N500,000 per annum
Dialysis and all related care Covered (2 SESSIONS PER YEAR) Covered (3 SESSIONS PER YEAR) Covered (4 SESSIONS PER YEAR) Covered (5 SESSIONS PER YEAR)
BMI Check, General Physical Examination Covered Covered Covered Covered
Blood Pressure Check (Hypertension Screening) Covered Covered Covered Covered
Blood Sugar Check (Diabetes Screening), Urinalysis Covered Covered Covered Covered
Blood Cholesterol Check Covered Covered Covered Covered
Annual Visual Acuity Check (Using Snellen Chart) Covered Covered Covered Covered
Pap Smear Covered Covered Covered Covered
PSA Check (For Men ≥ 40 years of age) Covered Covered Covered Covered
Chest X-ray Covered Covered Covered Covered
Mammography (For Women ≥ 40 years of age) Not Covered Covered Covered Covered
Liver Function Test Not Covered Covered Covered Covered
Kidney Function Tests (E, U, and Cr) Not Covered Covered Covered Covered
Movement of patients to and fro Hospital Covered (HOSPITAL TO HOSPITAL; ROADSIDE TO HOSPITAL) Covered (HOSPITAL TO HOSPITAL; ROADSIDE TO HOSPITAL) Covered (HOSPITAL TO HOSPITAL; ROADSIDE TO HOSPITAL; HOME TO HOSPITAL) Covered (HOSPITAL TO HOSPITAL; ROADSIDE TO HOSPITAL; HOME TO HOSPITAL)
Mental illness consultation and psychotherapy Covered (6 SESSIONS PER YEAR) Covered (8 SESSIONS PER YEAR) Covered (12 SESSIONS PER YEAR) Covered (12 SESSIONS PER YEAR)
Specialist Consulltation and counselling session Covered Covered Covered Covered
Specialist Drug therapy Covered Covered Covered Covered
Diagnosis & treatment confirmation from secondary and tertiary care centres Covered Covered Covered Covered
Line of treatment confirmation from Internationally Certified Medical and Surgical Specialists Outside Africa Not Covered Not Covered Covered, 1 case per year Covered, 2 cases per year
After-demise compensation Not Covered Covered (UP TO 50,000 NAIRA LIMIT) Covered (UP TO 100,000 NAIRA LIMIT) Covered (UP TO200,000 NAIRA LIMIT)

Small Business Exclusions

See a list of services excluded from your small business plan

SEE EXCLUSIONS