Hygeia Hmo Health Insurance Cost

Hygeia HMO offers health plans suitable for individuals and families. They also provide access to healthcare for employees at small and medium-scale businesses or SMEs.

Hygeia is ranked number one among the ten best HMOs in Nigeria—also one of the oldest HMOs with over 30 years of experience.

They provide five (5) different health insurance plans their clients can choose from.

Hygeia HMO Health Insurance Plans:

Hygeia offers five health insurance plans, namely:

• Individual plans
• Family plans
• Maternity plans
• SME group plans
• Corporate plans

These plans each have their various packages and costs. Below is a breakdown for each of them as well as the benefits clients are eligible to enjoy.

Hygeia HMO Individual Plans:

HyBasic – ₦55,590

Benefits:

• Unrestricted access to Category C-D Providers
• Inpatient Limit – ₦350,000
  Outpatient Limit – ₦100,000
  Medications – ₦50,000
• Accommodation (including feeding): General Ward (15 Days/Annum)
• Minor, Intermediate, and Major Surgeries including Endoscopies-₦150,000
• GP and Specialist Consultations (Physical) and virtual, X-rays, Ultrasounds and Laboratory tests
• Adult and Child Immunizations
• Dental Care, Ear, Nose and Throat care, Optical Care Up to specified Limits
• Telemedicine| Permanent Disability+ Death| Nutritionist Cover

HyPrime – ₦166,974

Benefits:

• Unrestricted access to Category B-D Providers
• Inpatient Limit – ₦500,000
  Outpatient Limit – ₦200,000
  Medications- ₦85,000
• Accommodation (including feeding)-Semi-Private Ward (15 Days/Annum)
• Minor, Intermediate, and Major Surgeries including Endoscopies-₦200,000
• Treatment of Chronic Conditions Covered
• GP and Specialist Consultations (Physical) and virtual, X-rays, Ultrasounds and Laboratory tests
• Maternity and Neo-natal Services-₦100,000and Adult and Child Immunizations
• Dental Care, Ear, Nose and Throat care, Optical Care Up to specified Limits
• Annual Health Checks
• Telemedicine| Permanent Disability+ Death| Nutritionist Cover

HyPrime Plus – ₦448,902

Benefits:

• Unrestricted access to Category A-D Providers
• Inpatient Limit – ₦600,000
  Outpatient Limit – ₦300,000
  Medications-₦100,000
• Accommodation (including feeding)-Private Ward (20 Days/Annum)
• Minor, Intermediate, and Major Surgeries including Endoscopies-₦250,000
• Treatment of Chronic Conditions Covered
• GP and Specialist Consultations (Physical) and virtual, X-rays, Ultrasounds and Laboratory tests
• Maternity and Neo-natal Services-₦150,000and Adult and Child Immunizations
• Dental Care, Ear, Nose and Throat care, Optical Care Up to specified Limits
• Annual Health Checks
• Telemedicine| Permanent Disability+ Death| Nutritionist Cover

Hygeia HMO Family Plans:

HyBasic Family – ₦230,112

Benefits:

• Unrestricted access to Category C-D Providers
• Inpatient Limit – ₦350,000
  Outpatient Limit – ₦100,000
  Medications – ₦50,000
• Accommodation (including feeding): General Ward (15 Days/Annum)
• Minor, Intermediate, and Major Surgeries including Endoscopies-₦150,000
• GP and Specialist Consultations (Physical) and virtual, X-rays, Ultrasounds and Laboratory tests
• Adult and Child Immunizations
• Dental Care, Ear, Nose and Throat care, Optical Care Up to specified Limits
• Telemedicine| Permanent Disability+ Death| Nutritionist Cover

HyPrime Family – ₦667,590

Benefits:

• Unrestricted access to Category B-D Providers
• Inpatient Limit – ₦500,000
  Outpatient Limit – ₦200,000
  Medications- ₦85,000
• Accommodation (including feeding)-Semi-Private Ward (15 Days/Annum)
• Minor, Intermediate, and Major Surgeries including Endoscopies-₦200,000
• Treatment of Chronic Conditions Covered
• GP and Specialist Consultations (Physical) and virtual, X-rays, Ultrasounds and Laboratory tests
• Maternity and Neo-natal Services-₦100,000and Adult and Child Immunizations
• Dental Care, Ear, Nose and Throat care, Optical Care Up to specified Limits
• Annual Health Checks
• Telemedicine| Permanent Disability+ Death| Nutritionist Cover

Maternity Plans:

HyMat – ₦280,000-₦2.1m

Benefits:

• Antenatal Care
• Delivery Services Spontaneous Vaginal Delivery, Episiotomy Repair, Accommodation including Feeding
• 6-week Post-natal Check
• Treatment of Complications in Pregnancy/Delivery Up to Specified Limits
• Baby Care for the first year of life including consultations, immunizations, neonatal services, etc
• Telemedicine services

HyMat Plus – ₦500,000-₦2.5m

Benefits:

• Antenatal Care
• Delivery Services Spontaneous Vaginal Delivery, Episiotomy Repair, Accommodation including Feeding, Caesarean Delivery
• 6-week Post-natal Check
• Treatment of Complications in Pregnancy/Delivery Up to Specified Limits
• Baby Care for the first year of life including consultations, immunizations, neonatal services, etc
• Telemedicine services

The Maternity plans vary from tier to tier, hence a variation in cost. To see all tiers available under the maternity plan, you can check here for Hymat or here for HyMat Plus.

Senior Citizens Plans:

Senior Mini – ₦203,796

Benefits:

• Unrestricted access to Category C-D Providers
• Inpatient Limit – ₦1,000,000
  Outpatient Limit – ₦350,000
  Medications-Covered
• Accommodation (including feeding)-General Ward (30 Days/Annum)
• Minor, Intermediate, and Major Surgeries including Endoscopies-₦250,000
• Treatment of Chronic Conditions (including senile cognitive disorders) Covered
• GP and Specialist Consultations (Physical) and virtual, X-rays, Ultrasounds, Laboratory tests, Advanced and Complex Investigations
• Dental Care, Ear, Nose and Throat care, Optical Care – Treatment of Acute and Chronic Eye Diseases, Supply of Frames, Lenses and Contact Lenses up to specified Limits
• Cancer Care
• Death and Funeral Expenses Cover

Senior Midi – ₦428,094

Benefits:

• Unrestricted access to Category B-D Providers
• Inpatient Limit – ₦1,600,000
  Outpatient Limit – ₦700,000
  Medications-Covered
• Accommodation (including feeding)-General Ward (30 Days/Annum)
• Minor, Intermediate, and Major Surgeries including Endoscopies-₦250,000
• Treatment of Chronic Conditions (including senile cognitive disorders) Covered
• GP and Specialist Consultations (Physical) and virtual, X-rays, Ultrasounds, Laboratory tests, Advanced and Complex Investigations
• Dental Care, Ear, Nose and Throat care, Optical Care – Treatment of Acute and Chronic Eye Diseases, Supply of Frames, Lenses and Contact Lenses up to specified Limits
• Cancer Care
• Death and Funeral Expenses Cover

Senior Premium – ₦865,266

Benefits:

• Unrestricted access to Category A-D Providers
• Inpatient Limit – ₦3,350,000
  Outpatient Limit – ₦1,350,000
  Medications-Covered
• Accommodation (including feeding)-General Ward (30 Days/Annum)
• Minor, Intermediate, and Major Surgeries including Endoscopies-₦250,000
• Treatment of Chronic Conditions (including senile cognitive disorders) Covered
• GP and Specialist Consultations (Physical) and virtual, X-rays, Ultrasounds, Laboratory tests, Advanced and Complex Investigations
• Dental Care, Ear, Nose and Throat care, Optical Care – Treatment of Acute and Chronic Eye Diseases, Supply of Frames, Lenses & Contact Lenses up to specified Limits
• Cancer Care
• Death and Funeral Expenses Cover
• Intensive Care Services

SMEs Plans:

HyStarter – ₦50,796

Benefits:

• Unrestricted access to Category C-D Providers
• Inpatient Limit – ₦450,000 Outpatient Limit – ₦250,000 Medications-₦80,000
• Minor, Intermediate, and Major Surgeries including Endoscopies-₦200,000
• Accommodation (including feeding)-General Ward (15 Days/Annum)
• GP and Specialist Consultations (Physical) & Virtual, X-rays, Ultrasounds and Laboratory tests
• Annual Health Checks
• Maternity and Neo-natal Services-Ambulance Evacuation services Adult and Child Immunizations
• Dental Care, Ear, Nose and Throat care, and Optical Care up to specified Limits
• Permanent Disability and Death Cover

HyStarter(Premium) – ₦280,296

Benefits:

• Unrestricted access to Category B-D2 Providers
• Inpatient Limit – ₦600,000 Outpatient Limit – ₦300,000 Medications-₦100,000
• Minor, Intermediate, and Major Surgeries including Endoscopies-₦250,000
• Accommodation (including feeding)-Private Ward (20 Days/Annum)
• GP and Specialist Consultations (Physical) & Virtual, X-rays, Ultrasounds and Laboratory tests
• Treatment of Chronic Conditions covered
• Maternity and Neo-natal Services-Ambulance Evacuation Services and Adult and Child Immunizations
• Dental Care, Ear, Nose and Throat care, and Optical Care up to specified Limits
• Annual Health Checks
• Permanent Disability and Death Cover

Corporate Plans:

• HyDeal
• HyLite
• HyBrid
• HyValue
• HyEnhanced
• HyLeague

The Corporate plan is subdivided into tiers as listed above. Also, like the Maternity plan, the corporate plan has different costs for each tier.

To see the pricing for each of the tiers listed under the corporate plan above, you can click on the following link.

Hygeia HMO has a wide network of hospitals that provide health services to their clientele. These hospitals are grouped according to Hygeia’s standard under categories A-D. Where category A is comprised of high-premium providers.

In addition, Hygeia has a mobile application where you can subscribe to and manage your health insurance plans easily and comfortably, which is available on Google Playstore. You can also learn more about Hygeia HMO incentives and resources on their website.

Also read about Reliance HMO here.