Affordable, Nationwide Health Insurance You Can Trust
High-quality and cost-effective coverage to a broad range of clients throughout Nigeria’s six geopolitical zones
Comprehensive Insurance Solutions
Skyda Health Services
Preventive Care
Proactive healthcare solutions designed to keep you healthy and reduce the risk of illnesses through regular screenings, vaccinations, and education.
Routine Medical Checks
Comprehensive checkups to monitor your health, identify potential concerns early, and provide personalized recommendations for optimal wellness.
Out-patient Consultations
Convenient access to medical experts for diagnosis, advice, and treatment without the need for hospital admission.
Specialty Clinics
Access to advanced care from specialists in areas like cardiology, dermatology, orthopedics, and more for specific health concerns.
Client Wellbeing Dashboard
A digital platform to track and manage your health records, appointments, and wellness goals in one place.
Healthcare Imagine
Innovative imaging services, including X-rays, CT scans, and MRIs, to provide precise diagnostics for better care.
Home Care
Professional healthcare services delivered in the comfort of your home, including nursing care, therapy, and medication management.
In-facility Care
Dedicated medical support in modern, fully-equipped facilities for more intensive treatments and long-term care needs.
Emergency Services
Rapid response and critical care services available 24/7 to handle urgent medical situations with expertise and efficiency.
Tele-Medicine
Virtual consultations with licensed medical professionals, offering convenience and accessibility from anywhere, anytime.
Laboratory Services
Accurate and timely diagnostic testing with state-of-the-art technology to support effective treatment plans.
Ambulance Services
Reliable and prompt medical transport equipped with advanced life-support systems to ensure safety during emergencies.
Our Coverage
Comprehensive Health Coverage for Individual
Tailored health insurance plans designed to meet the unique medical needs of individuals, ensuring complete protection and peace of mind.
Couples Health Coverage
Affordable and flexible health plans for couples, offering shared coverage to safeguard your health and strengthen your bond.
Family Comprehensive Health Coverage
Comprehensive insurance solutions for families, covering a wide range of medical needs to keep everyone in your household healthy.
Corporate Health Coverage
Customized health insurance packages for businesses, ensuring your employees receive quality medical care to boost productivity.
Community Insurance Services
Inclusive health plans aimed at providing affordable coverage for entire communities, promoting collective wellbeing.
Health Coverage for Relatives of individuals in the diaspora
Specialized health insurance plans for your loved ones back home, offering reliable coverage and care while you’re away.
International Health Coverage
Global health insurance solutions to protect you during international travel, work, or relocation, ensuring you’re covered anywhere.
Mandatory Health Insurance for Visitors to Nigeria
Compliant health insurance plans designed for visitors, providing essential medical coverage during their stay in Nigeria.
Our Plans
Basic
Budget-conscious individuals- 2 GP & Specialist visits/year
- ₦350,000 annual inpatient limit
- Standard accommodation
- Basic emergency care
- Telemedicine access
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Standard
Essential coverage needs- 4 GP & Specialist visits/year
- ₦750,000 annual inpatient limit
- Semi-private accommodation
- Covered emergency care
- Unlimited telemedicine
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Enhanced
Complete Health Coverage- 8 GP & Specialist visits/year
- ₦2,000,000 annual inpatient limit
- Private accommodation
- Maternity up to ₦400,000
- CT/MRI (₦200k sublimit)
- 6 psychotherapy sessions
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Super Enhanced
Premium Personal Protection- 12 GP & Specialist visits/year
- ₦4,000,000 annual inpatient limit
- Private accommodation
- Maternity up to ₦700,000
- Air/ground evacuation (₦1.5M)
- CT/MRI (₦400k sublimit)
- 12 psychotherapy sessions
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Ultimate
Executive Healthcare- Unlimited GP & Specialist visits
- ₦8,000,000 annual inpatient limit
- Private accommodation
- Maternity up to ₦1,200,000
- Air evacuation up to ₦3,000,000
- No separate CT/MRI cap
- 20 psychotherapy sessions
- Dental (₦50k) & Optical (₦40k)
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Compare Full Plan Features & Benefits
| CATEGORY/FEATURE | ULTIMATE (₦650k) | SUPER ENHANCED (₦380k) | ENHANCED (₦210k) | STANDARD (₦130k) | BASIC (₦85k) |
|---|---|---|---|---|---|
| OUT-PATIENT | |||||
| Registration fee | Covered | Covered | Covered | Covered | Covered |
| GP visits | Unlimited | 12/yr | 8/yr | 4/yr | 2/yr |
| Specialist visits | Unlimited | 12/yr | 8/yr | 4/yr | 2/yr |
| Minor OP procedures | Covered | Covered | Covered | Covered | Limited |
| INVESTIGATIONS | |||||
| Routine laboratory tests | Covered | Covered | Covered | Covered | Basic tests only |
| X-ray / Ultrasound | Covered | Covered | Covered | Covered | Limited |
| CT / MRI | No separate cap | Sublimit ₦400,000 | Sublimit ₦200,000 | Not included (rider) | Not included |
| Histology / Special assays | Covered | Covered | Covered | Case-by-case | Not covered |
| CHILDCARE & PEDIATRICS | |||||
| Newborn care | Covered | Covered | Covered | Covered | Covered |
| Neonatal ICU (NNU) | Subject to inpatient limit | Subject to inpatient limit | Subject to inpatient limit | Subject to inpatient limit | Subject to inpatient limit |
| Routine immunisation (NPI) | Covered | Covered | Covered | Covered | Covered |
| Extra childhood vaccines | Covered up to policy list | Covered up to policy list | Covered (limited list) | Not covered | Not covered |
| MATERNITY | |||||
| Antenatal, delivery, postnatal | Up to ₦1,200,000 | Up to ₦700,000 | Up to ₦400,000 (after 12 months) | Optional upgrade ₦200,000 | Not covered |
| C-Section (sublimit if needed) | Included within limit | Included within limit | Included (subject to sublimit) | Optional | Not covered |
| Maternity waiting period | 6 months | 6 months | 12 months | Not available without upgrade | N/A |
| IN-PATIENT | |||||
| Annual inpatient limit | ₦8,000,000 | ₦4,000,000 | ₦2,000,000 | ₦750,000 | ₦350,000 |
| Accommodation | Private | Private | Private | Semi-private | Standard |
| Nursing care & feeds | Covered | Covered | Covered | Covered | Covered |
| ICU / HDU | Covered (subject to limit) | Covered (subject to limit) | Covered (subject to limit) | Case-by-case | Not covered |
| SURGERIES | |||||
| Surgical procedures | Covered (within inpatient limit) | Covered | Covered | Covered (restricted) | Limited/Case-by-case |
| Theatre fees & consumables | Covered | Covered | Covered | Covered | Limited |
| PHARMACY | |||||
| Outpatient drugs | 95% cover (Co-pay 5%) | 90% (Co-pay 10%) | 85% (Co-pay 15%) | 75% (Co-pay 25%) | Reimbursement up to ₦30,000 |
| Chronic medication programme | Full management & meds | Disease management & meds | Selected conditions | Add-on | Not included |
| EMERGENCY & EVAC | |||||
| Emergency care & triage | Covered | Covered | Covered | Covered | Basic ED only |
| Air/ground evacuation | Up to ₦3,000,000 | Up to ₦1,500,000 | Rider up to ₦750,000 | Optional rider | Not included |
| Overseas referral | Case-by-case (approval) | Case-by-case | Rider | Rider | Not available |
| WELLNESS / PREVENTIVE | |||||
| Annual health screening | Executive pack (₦100,000) | Basic package (₦60,000) | Basic (₦35,000) | Optional (₦20,000) | Not included |
| Health talks / on-site screening | Included (limited sessions) | Included (limited) | Optional | Optional | Not included |
| Telemedicine | Unlimited access | Unlimited access | Unlimited access | Access | Basic access |
| MENTAL HEALTH & REHAB | |||||
| Psychotherapy / counselling | Up to 20 sessions/yr | Up to 12 sessions/yr | Up to 6 sessions/yr | Optional add-on | Not covered |
| Physiotherapy & rehab | Covered (inpatient & outpatient sessions) | Covered (limited sessions) | Limited sessions | Optional | Not included |
| OTHER BENEFITS | |||||
| Dental (preventive) | Annual cap ₦50,000 | Annual cap ₦30,000 | Optional rider | Optional | Not included |
| Optical (exam & frame) | Annual cap ₦40,000 | Screening only | Optional rider | Optional | Not included |
| ADMINISTRATION | |||||
| Pre-authorisation | Required for admissions, major diagnostics & surgeries | Same | Same | Admissions & surgeries | Admissions |
| Provider network | Nationwide accredited | Nationwide accredited | Nationwide (some gaps) | Regional + accredited | Limited panel |
| Claims turnaround | Fast-track (SLA) | Fast-track | Standard SLA | Standard SLA | Standard SLA |
| WAITING PERIODS & EXCLUSIONS | |||||
| Outpatient waiting period | Immediate | Immediate | 30 days | 30 days | 90 days |
| Inpatient waiting period | 30 days | 30 days | 30 days | 30–90 days | 90 days |
| Maternity waiting period | 6 months | 6 months | 12 months | Not available | N/A |
| Exclusions | Standard NHIA & policy exclusions apply | Standard exclusions | Standard exclusions | Wider exclusions | Wider exclusions / many exclusions |
Basic
Essential Care Household- 2 GP & Specialist visits/year
- ₦350,000 annual inpatient limit
- Standard accommodation
- Basic emergency care
- Telemedicine access
Standard
Essential coverage needs- 4 GP & Specialist visits/year
- ₦750,000 annual inpatient limit
- Semi-private accommodation
- Covered emergency care
- Unlimited telemedicine
Enhanced
Growing families- 8 GP & Specialist visits/year
- ₦2,000,000 annual inpatient limit
- Private accommodation
- Maternity up to ₦400,000
- CT/MRI (₦200k sublimit)
- 6 psychotherapy sessions
Super Enhanced
Comprehensive family protection- 12 GP & Specialist visits/year
- ₦4,000,000 annual inpatient limit
- Private accommodation
- Maternity up to ₦700,000
- Air/ground evacuation (₦1.5M)
- CT/MRI (₦400k sublimit)
- 12 psychotherapy sessions
Ultimate
Executive Family Healthcare- Unlimited GP & Specialist visits
- ₦8,000,000 annual inpatient limit
- Private accommodation
- Maternity up to ₦1,200,000
- Air evacuation up to ₦3,000,000
- No separate CT/MRI cap
- 20 psychotherapy sessions
- Dental (₦50k) & Optical (₦40k)
HEALTH PLAN PAYMENT
Driving Impact through Data and Health
At Skyda Limited, we leverage data analytics and health services to foster informed decision-making and enhance community well-being.
Improved Health Outcomes
Our insurance services have contributed to a 95% satisfaction rate among clients, reflecting improved health outcomes.
Data-Driven Insights
80% of our partners report enhanced decision-making capabilities through our data solutions.
Get in Touch with Skyda Limited
Discover how Skyda Limited can support your organization with our tailored insurance and data solutions. Contact us today to learn more or to schedule a consultation with our experts.