HyBasic Plan

HyBasic Plan

Premium per Life per Annum: ₦39,660


The following are excluded from the HyBasic Plan:

  1. Overseas treatment and transplant surgery
  2. Plastic/cosmetic surgeries
  3. Management of Chronic Diseases including but not limited to consultation, prescription drugs, and laboratory tests
  4. Advanced and complex investigations including but not limited to CT Scan, MRI Scan, and Echocardiograph
  5. Maternity services including but not limited to antenatal care, delivery services, postnatal care services
  6. Investigations and treatment for problems relating to infertility e.g. hydrotubation, hysterosalpingogram, I.V.F, G.I.F.T, and artificial insemination
  7. Virility enhancing drugs
  8. Herbal drugs, non-prescription drugs, and experimental drugs and treatment
  9. Other laboratory investigations not listed in the schedule of covered services
  10. Dental care not listed in the schedule of covered services
  11. Home care and domiciliary services
  12. Intensive care treatment
  13. Interstate travel for services not available in State
  14. Joint replacements and prosthetic limbs
  15. Family Planning Services
  16. Renal Dialysis
  17. Cancer Care
  18. HIV/AIDS Care & Treatment
  19. Psychiatric Treatment and illness
  20. Comprehensive health screening/well persons’ check
  21. Pre – School Health examinations
  22. Neonatal care services including but not limited to male circumcision, ear piercing, treatment of mild or moderate neonatal sepsis, phototherapy, NICU and SBCU services.
  23. Self-inflicted injuries
  24. Treatment of congenital abnormalities
  25. Treatment of obesity
  26. Covid-19 testing and treatment
  27. Other advanced immunizations not specified in the plan benefits.
  28. Other optical services not listed in covered services including but not limited to treatment of chronic eye diseases, provisions of frames, lenses and contact lenses.
  29. Treatment of speech disorders
  30. Room upgrades beyond that specified in the plan benefits
  31. Management of severe burns (Burns covering more than 10% body surface area)
  32. Learning difficulties, behavioral and developmental problems
  33. Consultations with unrecognized consultants, hospitals, family doctors, therapists, dental practitioners or complementary medicines practitioners
  34. Any other treatment, service, procedure or investigation not listed in the schedule of covered medical services


  1. Maximum principal age limit is 60 years and Dependant age limit is 18 years.
  2. Family means Principal, Spouse and 2 Dependants.
  3. There will be a waiting period of 2 weeks after registration. Plans purchased becomes active 2 weeks after purchase date.
  4. All benefits are subject to their respective sectional limits which is described as: Inpatient Limit and Outpatient 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.
  5. The following benefits will not be covered or provided in the first year of the commencement of the scheme: Surgeries, Critical Illness + Death Cover 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.
  6. The following benefits will not be covered or provided in the first 3 months of the commencement of the scheme: Optical Care, Dental Care