| Benefit | Salus Enhanced Plan | Salus Flex Plan | Salus Elite Plan |
| REGION OF COVER GLOBAL LIMIT (PRINCIPAL/DEPENDANT) |
LOCAL
N1,000,000/YR |
LOCAL
N2,000,000/YR |
Nigeria, India, UAE, South Africa
N7,500,000/YR |
| OUT-PATIENT CARE LIMIT (PRINCIPAL /INDIVIDUAL) |
N300,000/YR | N750,000/YR | N3,500,000/YR |
| General consultation | Covered | Covered - | Covered - |
| Specialist consultation (All Specialties) |
Covered | Covered | Covered |
| Laboratory Tests
(Hematology, Chemistry, Microscopy, Culture, Sensitivity, Serology) |
Covered | Covered | Covered |
| Radiological
Investigations (including ECG, EEG, ECHO, CT Scan and MRI) |
MRI not Covered | Covered | Covered |
| Prescribed Medicines & Consumables | Covered | Covered | Covered |
| IN-PATIENT CARE LIMIT | N700,000/YR | N1,250,000/YR | N5,000,000/YR |
| Hospital admission | SEMI-PRIVATE WARD
30 Days/Year |
PRIVATE WARD
30 Days/Year |
PRIVATE WARD
60 Days/Year |
| DENTAL CARE LIMIT/YR (Part of Out Patient Limit) | N100,000 | N250,000 | N1,000,000 |
| Examination, Treatment, Extraction, Composite Filling |
Covered | Covered | Covered |
| Root canal & Orthodontics, | Covered (Up to N40,000) | Covered (Up to N100,000) | Covered (Up to N400,000) |
| Tooth replacement | Covered (Up to N40,000) | Covered (Up to N100,000) | Covered (Up to N500,000) |
| EYE CARE LIMIT/YR | N100,000 | N250,000 | N750,000 |
| Examination & Treatment | Covered | Covered | Covered |
| Eye glasses/frames (Once per 2 years) | Covered (N25,000/2 YRS) | Covered (N50,000/2YRS) | Covered (N200,000/2 YRS) |
| Glaucoma & Cataract procedures |
Covered (Up to N50,000) | Covered (Up to N150,000) | Covered (Up to N500,000) |
| FAMILY
PLANNING (Natural Family Planning); INVESTIGATION FOR INFERTILITY (USS, HSG, SFA, HORMONE PROFILE, ETC) |
Up to N50,000 for investigations and Counselling | Up to N100,000 for investigations | Up to N200,000 for investigations |
| NAPROTECHNOLOGY | Up to N100,000 | Up to N200,000 | Up to N500,000 |
| OBSTETRICS & GYNAECOLOGY | Up to N150,000 | Up to N250,000 | Up to N1,000,000 |
| Ante natal, Assisted & Normal delivery |
Covered | Covered | Covered |
| Caesarean Section | Covered | Covered | Covered |
| Neo Natal Care | Covered (1st 6 wks ) | Covered (1st 6 wks ) | Covered (1st 6 wks ) |
| Routine Immunization (NPI) |
Covered | Covered | Covered |
| Additional Immunization (Hepatitis, Meningitis, Typhoid, Rotarix, ETC) | Covered | Covered | Covered |
| Medical Screening (Including Mammogram, Cervical Smears, Prostate-Specific Antigen) | Covered up to N30,000/2 Years | Covered up to N80,000/2 Years | Covered up to N200,000/2Years |
| PSYCHIATRIC TREATMENT | Up to 4 Weeks | Up to 6 Weeks | Up to 8 Weeks |
| PHYSIOTHERAPY (Up to Out- Patient Limit) |
12 Sessions | 16 Sessions | Unlimited |
| CANCER (SURGERY, RADIO/CHEMOTHERAPY | Not Covered | Covered up to Limit of N200,000 | Covered up to Limit of N1,000,000 |
| Dialysis | Up to 2 Sessions | Up to 4 Sessions | Up to 12 Sessions |
| SURGERIES (includes Minor, Intermediate and Major surgeries) |
Covered up to N200,000/YR | Covered up to N400,000/YR | Covered N2,000,000/YR |
| HIV/AIDS : Screening & Counselling |
Covered | Covered | Covered |
| INTENSIVE CARE UNIT (Till Stabilization) |
Up to 3 Days ( In-Patient Limit applies) | Up to 5 Days (In –Patient Limit applies) | Up to 14 Days (In-Patient Limit applies) |
| Local evacuation (Home to Hospital; Hospital to Hospital) | Covered up to N10,000/Case | Covered up to N20,000/Case) | Covered up to N50,000/Case) |
| E-Consultation ( Talk to a Doctor from the Comfort of your home/office) |
Covered | Covered | Covered |
| E-Investigation (Get tested from home/office) |
Not covered | Covered | Covered |
| E-Pharmacy (Receive prescribed Meds at home/office) | Covered | Covered | Covered |
| OVERSEAS TRAVEL INSURANCE | Covered for 7-Travel days | Covered for 14-Travel days | Covered for 30-Travel days |
| ACCESS TO END-TO-END- SOFTWARE SOLUTION,
E- PORTAL (24/7) |
Covered | Covered | Covered |
| ACCESS TO 24 HOUR
CONTACT CENTRE: Phones, Sms, email etc) |
Covered | Covered | Covered |
| PREMIUM per Staff per Year | N60,000.00 | N120,000.00 | N600,000.00 |
| *PREMIUM Per Household of up
to 6 persons /Year |
N300,000.00 | N600,000.00 | N3,000,000.00 |
| Categories of Healthcare Providers |
C, D | B, C, D | A, B, C, D |
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