SME – Crown Jewel HMO

Your people are your biggest asset

Crown Jewel HMO provides affordable and flexible SME Health Plans that help small and medium-sized businesses keep employees healthy, productive, and present at work. Suitable for companies with staff strength of 2-9 people

Starts at just ₦65,482 per employee/year (individual) Family add-on available (principal + up to 5 dependents)

All Plans Include:

Nationwide hospital network (Band C to Band A+B+C)
24/7 Telemedicine & free drug delivery/refills
Gym & SPA wellness perks
Employee wellness checks + chronic disease support
Pre-authorization for advanced care

SME PLAN DETAILS

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SME Health Plans

Silver

Per Employee: ₦65,482 / year
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)

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)

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)

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

Protect Your Workforce, Strengthen Your Business

Invest in your staff and reduce downtime with preventive care, telemedicine, wellness support, and fast claims handling.

Your people are your biggest asset

Silver

Gold

Diamond

Platinum