HyPrime Plans

HyPrime Plan

Premium per Life per Annum: 58,900

indicates services which are covered
indicates services not covered under the specific plan

**The visits cannot be cumulated over a period of time
***Applies to HyPrime Plus enrollees in Lagos only



The following are excluded from all plans: –

  1. 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.
  2. Congenital abnormalities
  3. Consultations with unrecognized consultants, hospitals, family doctors, therapists, dental practitioners or complementary medicines practitioners
  4. Dental care not listed in the covered services
  5. Health screening/Well Person’s check
  6. Herbal drugs, non-prescription drugs, food supplements and experimental drugs and treatment
  7. HIV/AIDS Care & Treatment
  8. Home care and domiciliary services
  9. Intensive care treatment
  10. Interstate travel for services not available in State
  11. 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
  12. Joint replacements and prosthetic limbs
  13. Learning difficulties, behavioral and developmental problems
  14. Long term psychiatric illness (Longer than 3 months)
  15. Management of Chronic Diseases including but not limited to consultation, prescription drugs and laboratory tests
  16. Neonatal intensive care (incubator care) or special care baby unit services
  17. Other advanced & complex Investigations not listed in covered services.
  18. Other advanced immunizations not listed in covered services.
  19. Other Family Planning Services not listed in covered services
  20. Other Neonatal Services not listed in covered services.
  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 covered services.
  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
  2. There will be a waiting period of 2 weeks after registration. Plan purchased becomes active 2 weeks after purchase date.
  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 the 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 6 months of the commencement of the scheme: Neonatal Care Services and all Immunizations
  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