HyBasic Plan

HyBasic Plan

Premium per Life per Annum: N23,000


The following are excluded from all HyBasic Plans: –

  1. Advanced & Complex Investigations including but not limited to CT Scan, MRI Scan and Echocardiograph
  2. Ante-Natal Care & Delivery services including but not limited to Antenatal examinations and supply of drugs, Management of complications in pregnancy, Delivery room services, Management of Labour, Normal & assisted delivery, Caesarean section delivery, Shirodkar operation, Post-natal Check.
  3. Congenital abnormalities
  4. Consultations with unrecognized consultants, hospitals, family doctors, therapists, dental practitioners or complementary medicines practitioners
  5. Dental care not listed in the covered services
  6. Family Planning Services
  7. Health screening/Well Person’s check
  8. Herbal drugs, non-prescription drugs, food supplements and experimental drugs and treatment
  9. HIV/AIDS Care & Treatment
  10. Home care and domiciliary services
  11. Intensive care treatment
  12. Interstate travel for services not available in State
  13. Investigations and treatment for problems relating to infertility e.g hormone profiles, laparoscopy, hydrotubation, hysterosalpingogram, I.V.F, G.I.F.T and artificial insemination
  14. Joint replacements and prosthetic limbs
  15. Learning difficulties, behavioral and developmental problems
  16. Long term psychiatric illness (Longer than 3 months)
  17. Management of Chronic Diseases including but not limited to consultation, prescription drugs and laboratory tests
  18. Neonatal Services including but not limited to male circumcision, ear piercing, treatment of mild or moderate neonatal sepsis, phototherapy.
  19. Neonatal intensive care (incubator care) or special care baby unit services
  20. Other advanced immunizations not specified in the plan benefits.
  21. Other optical services not listed in covered services
  22. Overseas treatment and transplant surgery
  23. Plastic/cosmetic surgeries
  24. Room upgrades beyond that specified in the plan benefits
  25. Self-inflicted injuries
  26. Speech disorders
  27. Treatment of obesity
  28. Virility enhancing drugs
  29. Any other treatment, service, procedure or investigation not listed in the schedule of covered medical services


  1. Maximum principal age limit is 50 years and Dependant age limit is 18 years.
  2. Family means Principal, Spouse and 2 Dependants.
  3. All benefits are subject to their respective sectional limits which is described as: Inpatient Limit, Outpatient Limit and Pharmacy Benefit Limit. However, within the respective sectional limit, there are specific benefit limits as well. Consequently, in the event that any specific benefit limit under the sectional limit is exhausted, the remaining limit in that section will only cover other benefits within the section apart from the one that the specific benefit limit has been exhausted.
  4. The following benefits will not be covered or provided in the first year of the commencement of the scheme: Surgeries, Cancer Care and Psychiatric Care. This period otherwise known as waiting period shall commence on the date of entry to the date of renewal. On renewal, this benefit will be accessible provided the enrollee has been enrolled for one year with the HMO.
  5. The following benefits will not be covered or provided in the first 3 months of the commencement of the scheme:Optical Care, Dental Care