Crown Jewel HMO – SME Health Plans
Silver
Per Employee: ₦65,482 / year
Family: ₦327,410 (up to 6 total)
Family: ₦327,410 (up to 6 total)
- Hospital Access: Band C
- Total Annual Limit: ₦1,000,000
- Inpatient Stay (Ward): 10 days (General)
- Accident & Emergency: ₦100,000
- Maternity (Normal/CS): ₦150,000
- Neonatal Care: 48 hours
- Surgeries (Minor/Intermediate/Major): Up to ₦250,000
- Dental Care (Annual Limit): ₦100,000
- Optical (Lenses + Consults): ₦10,000
- Cancer Care (Annual Limit): Not Covered
- Dialysis (Sessions/Year): Not Covered
- Physiotherapy (Sessions): 5
- Mental Health Sessions: 4
- Advanced Imaging (CT/MRI per year): Not Covered
- ICU Coverage: 24 hours
- Gym Access: Discounted
- SPA (Massage + Facial): Discounted
- Home-to-Hospital Ambulance: Not Covered
Gold
Per Employee: ₦101,017 / year
Family: ₦505,085 (up to 6 total)
Family: ₦505,085 (up to 6 total)
- Hospital Access: Band B+C
- Total Annual Limit: ₦2,500,000
- Inpatient Stay (Ward): 15 days (Semi-Private)
- Accident & Emergency: ₦200,000
- Maternity (Normal/CS): ₦250,000
- Neonatal Care: 5 days
- Surgeries (Minor/Intermediate/Major): Up to ₦450,000
- Dental Care (Annual Limit): ₦250,000
- Optical (Lenses + Consults): ₦30,000
- Cancer Care (Annual Limit): ₦300,000
- Dialysis (Sessions/Year): 3
- Physiotherapy (Sessions): 10
- Mental Health Sessions: 6
- Advanced Imaging (CT/MRI per year): 1
- ICU Coverage: 24 hours
- Gym Access: 1 session/week
- SPA (Massage + Facial): 1 each/year
- Home-to-Hospital Ambulance: Not Covered
Diamond
Per Employee: ₦133,969 / year
Family: ₦669,845 (up to 6 total)
Family: ₦669,845 (up to 6 total)
- Hospital Access: Band B+C
- Total Annual Limit: ₦4,000,000
- Inpatient Stay (Ward): 21 days (Semi-Private)
- Accident & Emergency: Unlimited
- Maternity (Normal/CS): ₦650,000
- Neonatal Care: 10 days
- Surgeries (Minor/Intermediate/Major): Up to ₦650,000
- Dental Care (Annual Limit): ₦400,000
- Optical (Lenses + Consults): ₦60,000
- Cancer Care (Annual Limit): ₦650,000
- Dialysis (Sessions/Year): 6
- Physiotherapy (Sessions): 15
- Mental Health Sessions: 10
- Advanced Imaging (CT/MRI per year): 2
- ICU Coverage: 72 hours
- Gym Access: 2 sessions/week
- SPA (Massage + Facial): 1 each/year
- Home-to-Hospital Ambulance: Not Covered
Platinum
Per Employee: ₦250,150 / year
Family: ₦1,250,750 (up to 6 total)
Family: ₦1,250,750 (up to 6 total)
- Hospital Access: Band A+B+C (Premium hospitals)
- Total Annual Limit: Unlimited
- Inpatient Stay (Ward): 30 days (Private Ward)
- Accident & Emergency: Unlimited
- Maternity (Normal/CS): Unlimited
- Neonatal Care: 21 days
- Surgeries (Minor/Intermediate/Major): Up to ₦1,500,000
- Dental Care (Annual Limit): ₦650,000
- Optical (Lenses + Consults): ₦90,000
- Cancer Care (Annual Limit): ₦1,500,000
- Dialysis (Sessions/Year): 10
- Physiotherapy (Sessions): 25
- Mental Health Sessions: 12
- Advanced Imaging (CT/MRI per year): 3
- ICU Coverage: 7 days
- Gym Access: 3 sessions/week
- SPA (Massage + Facial): 2 facial + 1 massage/year
- Home-to-Hospital Ambulance: Covered