Zuma HMO
| Services | Cardinal | Cardinal Plus | Ultimate |
|---|---|---|---|
| Out-Patient Care. | |||
| Registration | |||
| General Consultation | |||
| Special Consultation | |||
| Routine Laboratory Investigation | |||
| Provision of prescribed drugs | |||
| Physiotherapy (in designated health facilities) | Max. of 3 sessions | Max. of 5 sessions | Max. of 10 sessions |
| Health education | |||
| Minor surgeries | |||
| Gym Access (@select centers and for principals only) | |||
| Counselling/Stress Management ( for principals only) | |||
| In-Patient Care. | |||
| Admission | |||
| General Consultation | |||
| Specialist Consultation & Review | |||
| Hospitalization | General Ward | Semi-Private Ward | Private Ward |
| Hospitalization days per annum | 5 days | 8 days | 15 days |
| Feeding (provided by the Hospital) | |||
| Laboratory Investigations | |||
| Prescription Drugs & Consumables | |||
| Intensive Care Service | 24hrs | 48hrs | 72hrs |
| Intensive Care Service | Max. of 1pint/annum | Max. of 2pints/annum | Max. of 3pints/annum |
| Radiology. | |||
| X-Rays (Basic) | |||
| Ultra Sound Scan | |||
| Mammogram | |||
| CT Scan & MRI *(enrollee bears 70% of cost) | |||
| Cancer limited to clinical examination | |||
| OBS & GYN | |||
| Specialist consultation (on reconmendation) | |||
| Antenatal Care | |||
| Normal plus assissted delivery (up to 4 live births) | |||
| Postnatal Care (Family plan only) | |||
| PNC for pregnancy & deliveries with complications | |||
| Overall Annual Limit | ₦200,000 | ₦250,000 | ₦300,000 |
| Child Health Services | |||
| Specialist Consultation | |||
| Routine childhood immunization (Covered in Govt. Institutions - NPI) | |||
| Specific immunization | |||
| Optical & Opthalmological Services | |||
| Eye Examination | |||
| Optical and routine consultation | |||
| Treatment of minor eye infection like conjuctivitis | |||
| Optical Lenses | |||
| Contact Lenses | |||
| Overall Annual Limit | ₦35,000 | ₦45,000 | ₦60,000 |
| Dental Care. | |||
| Dental Consultation & Routine Examination | |||
| Treatment of Infection | |||
| Pain relief/therapy | |||
| Simple extraction | Max. of 1 extraction per annum | Max. of 2 extraction per annum | Max. of 4 extraction per annum |
| Surgical extraction | Max. of 2 extraction per annum | Max. of 3 extraction per annum | Max. of 4 extraction per annum |
| Root canal therapy | |||
| Amalgam fillings | |||
| Composite fillings | |||
| Overall Annual Limit | ₦30,000 | ₦55,000 | ₦70,000 |
| Surgeries. | |||
| Minor Surgeries | |||
| Intermediate Surgeries | |||
| Major Surgeries & procedures | |||
| Management of Chronic Medical Conditions | |||
| Accute renal dialysis | 2 Sessions | 3 Sessions | 5 Sessions |
| Diabetes, Hypertension, Osteoarthritis, Asthma | |||
| Out-patient psychiatric cover | Max. 2 days/annum | Max. 3 days/annum | |
| HIV/AIDS (Services offered at Govt designated centers only) | |||
| Overall Annual Limit | ₦40,000 | ₦100,000 | ₦130,000 |
| Plan cost (Premium) | |||
| Per Enrollee | ₦100,000 | ₦200,000 | ₦350,000 |
| Per Family | ₦280,000 | ₦500,000 | ₦985,000 |
NB: The exclusions and services not covered under the plans are here
Things to Note:
- The minimum size for corporate cover is 50 persons, irrespective of pre-existing conditions. However, for groups with less than fifty persons, pre-existing conditions will not be covered for the first two years.
- Maximum age for cover is 65years
- Family is deemed as employee, a spouse and four biological children below 21years of age
- Pre-existing conditions are defined as pregnancy, major diseases, chronic illness and complications arising from diabetes or hypertension
Get In Touch
Got any questions? Don't hesitate to get in touch.
Address
No 856, Olu Awotesu St.Jabi, Abuja
Phone
(234) 09139381755