Compare HyStarter Plans
| Plan | (Premium per Life per Annum) (₦) | (Premium per Family per Annum) (₦) |
| HyStarter Plan | 20,000 | 100,000 |
| HyStarter Premium Plan* | 103,000 | 515,000 |
| HyStarter Premium* + Lagoon Plan** | 215,000 | 1,075,000 |
*Access to Category B Hospitals
** General Consultations limited to 2 times a month, Specialist Consultations limited to once a month on the HyStarter Premium + Lagoon Plan Only.
| Plan | (Premium per Life per Annum) (₦) | (Premium per Family per Annum) (₦) |
| HyStarter Plan | 20,000 | 100,000 |
| HyStarter Premium Plan* | 103,000 | 515,000 |
| HyStarter Premium* + Lagoon Plan** | 215,000 | 1,075,000 |
*Access to Category B Hospitals
** General Consultations limited to 2 times a month, Specialist Consultations limited to once a month on the HyStarter Premium + Lagoon Plan Only.
Benefit Schedule
√ indicates services which are covered: x indicates services not covered under the specific plan
| Plans | HyStarter Plan |
| Region of Cover | Domestic |
| Hospital Category | C-D |
| Inpatient Limit (₦) | 450,000 |
| Accidents & Emergencies: Resuscitative or lifesaving initial treatment | √ (Up to Inpatient Limit) |
| Accommodation (including feeding) | General Ward (30 Days/Annum) |
| Day case procedures & minor surgeries | ₦ 250 000 Limit |
| Intermediate surgeries | |
| Major Surgeries | – |
| Outpatient Limit (₦) | 170,000 |
| Basic Laboratory services based on the clinician’s judgment (WHO list of essential in-vitro diagnostics) | √ (Up to Outpatient Limit) |
| Basic X-Rays and Diagnostic Tests | √ (X-ray Services Only/Up to Outpatient Limit) |
| General Consultations (Initial and Follow-up) | √ (Up to Outpatient Limit) |
| Specialist Consultations (Initial and Follow-up) | √ (Up to Outpatient Limit) |
| Ear, Nose and Throat care: Treatment of acute and chronic ENT diseases. | √ (Treatment of Acute Diseases Only/₦15,000 Limit) |
| Primary Dental Care (relief of pain, Composite & Amalgam Fillings, Non-surgical extractions, Scaling and Polishing) | ₦10,000 per annum |
| Immunizations | |
| NPI Immunizations for 0-5years | NPI including pentavalent vaccine (diphtheria, tetanus, whooping cough) |
| Additional Immunizations for 0-5 years | Hepatitis B, HiB |
| Health Checks (at selected Hygeia Centers) | 5% Discount on HyCheck Plan |
| Optical Care: Lenses, Frames & Contact, Lenses (Once in two years) | ₦7,500 |
| Optical care: Eye testing, Treatment of acute and chronic eye diseases. | √ (Treatment of Acute Eye Diseases Only/₦15,000 Limit) |
| Physiotherapy | 6 Sessions |
| Psychiatric Treatment | Outpatient Only (3 months Limit) |
| Pharmacy Benefit Limit (₦) | 80,000 |
| Chronic Disease Medication | – |
| Inpatient Non-Chronic Prescription Medicines | √ (Up to Pharmacy Benefit Limit) |
| Outpatient Non-Chronic Prescription Medicines | √ (Up to Pharmacy Benefit Limit) |
| Other Benefits (₦) | (Up to Outpatient Limit) |
| Cancer Care: Oncology Tests, Drugs + Chemotherapy & Radiotherapy | Oncology Tests, Drugs Only (₦75,000 Limit) |
| Ambulance*** | Hospital to hospital (₦50,000 Limit) |
| Mortuary Services (Cleaning, Embalmment, Storage, Autopsy) | ₦50,000 limit |
| Critical Illness + Death Benefit | √ (Sum Assured: ₦150,000) |
Benefit Schedule
√ indicates services which are covered: x indicates services not covered under the specific plan
| Plan | HyStarter Plan |
| Region of Cover | Domestic |
| Hospital Category | C-D |
| Total Benefit Limit | 1,000,000 |
| Benefits | |
| Registration | √ |
| Consultations with general practice doctors or medical officers in | |
| the first instance and for maintenance/follow up care | √ |
| Consultations with specialists/follow up care | √ |
| Supply of drugs & medication – drugs recommended in the course | |
| of this treatment for covered services | √ |
| Accidents & Emergencies: Resuscitative or lifesaving initial treatment (up to plan benefits limit) | √ |
| Laboratory& Basic Diagnostic services based on the clinician’s judgment | √ |
| Radiological Investigations (X-ray Services) | √ |
| Accommodation (including feeding) | Standard – 30 days/year |
| Physiotherapy | 6 Sessions |
| Routine Immunizations for 0 – 5 years | NPI including pentavalent vaccine (diphtheria, tetanus, whooping cough) |
| Additional Immunizations for 0-5 years | Hepatitis B, HiB |
| Optical: Eye testing, Lenses, Frames & Contact, Lenses (Once in 2 | |
| years) | Up to ₦7,500 |
| Primary Dental Care – relief of pain, fillings, nonsurgical, extractions, preventive care, scaling and polishing | ₦10,000 per annum |
| Surgeries including day case procedures (minor, intermediate and major surgeries) | ₦ 250 000 limit |
| Cancer Care: Oncology Tests and Surgery Only | Up to Surgical Limit |
| Kidney dialysis | Covered – 1st session Only |
| Ambulance | Hospital to hospital |
| Psychiatric treatment | Out-patient only |
| HIV/AIDS Care & Treatment | √ |
| Mortuary services (Cleaning, Embalmment, Storage, Autopsy) | ₦50,000 limit |