| Service Description |
Hallmark Zircon |
Hallmark Sapphire |
Hallmark Opal |
| Out-Patient Services |
| MANAGEMENT OF CHRONIC CONDITIONS
|
Not Covered |
Not Covered |
Hypetension & Diabetes only
|
| OUT PATIENT CONSULTATION & CARE |
 |
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| PRESCRIBED MEDICATIONS
|
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| SPECIALIST CONSULTATION & CARE
|
Not Covered |
General Surgeon only
|
Physician and General Surgeon only
|
| In-Patient Services |
| ADMISSIONS (INCLUDING FEEDING)
|
Standard Ward (maximum of 10 days per annum)
|
Standard Ward (maximum of 12 days per annum)
|
Standard Ward (maximum of 12`days per annum)
|
| NURSING CARE & CONSUMABLES
|
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| PRESCRIBED MEDICATIONS
|
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| Diagnostics Services |
| BASIC RADIOLOGICAL STUDIES E.G. BASIC PLAIN X-RAY &ULTRASONOGRAPHY
|
Not Covered |
|
|
| LABORATORY SERVICES IN LINE WITH COVERED SERVICES
|
Basic Screenings
|
Basic Screenings
|
Basic Screenings
|
| Obstetrics Services |
| ANTENATAL CARE
|
Not Covered
|
Not Covered
|
Maternity Services (1 yr waiting peroid ) (N50,000.00 limit)
|
| ASSISTED DELIVERY
|
Not Covered
|
Not Covered
|
Covered
|
| FAMILY PLANNING SERVICES
|
Covered (Education only)
|
Covered (Education only)
|
Covered (Education only)
|
| INDUCTION OF LABOUR & NORMAL DELIVERY
|
Not Covered
|
Not Covered
|
|
| POST-NATAL CARE
|
Not Covered |
Not Covered |
|
| Physiotherapy Services |
| Accidents and Emergencies Services |
| EVACUATION (HOSPITAL TO HOSPITAL & ROAD SIDE TO HOSPITAL)
|
Up to a limit of NGN 20,000
|
Up to a limit of NGN 30,000
|
Up to a limit of NGN 30,000
|
| STABILIZATION, EMERGENCY DRUGS AND INVESTIGATIONS
|
Up to a limit of NGN 20,000
|
Up to a limit of NGN 30,000
|
Up to a limit of NGN 30,000
|
| Dental Services |
| PRIMARY DENTAL CARE- EXAMINATION, BASIC DENTAL PAIN THERAPY/ RELIEF
|
Covered (GP Consultaion Only)
|
Covered (GP Consultaion Only)
|
Covered (GP Consultaion Only)
|
| Ophthalmological Services |
| PRIMARY EYE CARE- CONSULTATION, EXAMINATION, SIMPLE OR PRIMARY INFECTIONS AND MEDICATIONS
|
Covered (GP Consultaion Only)
|
Covered (GP Consultaion Only)
|
Covered (GP Consultaion Only)
|
| Surgical Services |
| ANESTHESIA, SURGICAL SUPPLIES/CONSUMABLES, ADMINISTRATION OF BLOOD OR BLOOD PRODUCTS, ETC.
|
Covered (Minor Surgeries only)
|
Minor to Intermediate (1 yr waiting period) (Up to a limit of NGN 40,000)
|
Minor to Intermediate (I yr waiting period (Up to a limit of NGN 50,000)
|
| MINOR TO INTERMEDIATE (MINOR LUMP EXCISION, MINOR SUTURING, ETC, HERNIORRAPHY & APPENDECTOMY)
|
Covered (Minor Surgeries only)
|
Minor to Intermediate (1 yr waiting period) (Up to a limit of NGN 40,000)
|
Minor to Intermediate (I yr waiting period (Up to a limit of NGN 50,000)
|
| Other Services |
| ANNUAL HEALTH SCREENING AT DESIGNATED CENTERS (PRE-BOOKED)
|
Annual physical examination
|
Annual physical examination
|
Annual Physical examination, Urinalysis, PCV, blood pressure
|
| HIV/AIDS- DIAGNOSIS + TREATMENT AT FREE SPECIALIST CENTERS
|
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| ON-SITE HEALTH CHECKS, HEALTH TALKS/ EDUCATION FORUM OR WELLNESS FAIRS
|
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| STRUCTURED LIFESTYLE MANAGEMENT PROGRAM (PHARMACY BENEFITS)
|
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