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| Benefits | Details | Note | Metro Mini Get A Quote | Metro Midi Get A Quote | Metro Maxi Get A Quote | Metro PPP Get A Quote |
|---|---|---|---|---|---|---|
| Hospital Category | C & D | C & D | B, C & D | A, B, C & D | ||
| Total Benefit Limit | Annual Limit | Per lives ₦750, 000 | Per lives ₦1,000,000 | Per lives ₦1, 750, 000 | Per lives ₦3,000,000 | |
| Telemedicine | ✓ | ✓ | ✓ | ✓ | ||
| Lifestyle Benefits | Access to Gym | ✕ | ✕ | 2 sessions per month | 4 sessions per month | |
| Travel Insurance Services | Worldwide Travel Insurance | ✕ | ✕ | 1 week | 2 weeks | |
| General Out- Patient Care | – Registration – General Consultations | ✓ | ✓ | ✓ | ✓ | |
| Specialist Consultations – Type 1 | – Obstetrics & Gynaecology – General/ Family Medicine – Cardiology – Paediatrics – General Surgery – Dermatology – Ophthalmology – Orthopaedics – Haematology | Refer to stated Annual Limits | 6 | 8 | 10 | 12 |
| Specialist Consultations – (Type 2) | – Maxillofacial surgery – Neurosurgery – ENT Surgery – Urologist – Gastroenterology – Endocrinology – Oncology | ✕ | ✕ | |||
| Drugs | Provision of prescribed drugs and medications for covered conditions | ✓ | ✓ | ✓ | ✓ | |
| In-Patient Care – Room Type | Admission for the treatment of covered conditions | Accommodation type | General ward | Semi-private ward | Private Ward | Private Ward |
| -Feeding & In-patient treatment | – Feeding of enrolees for the duration of admission for the treatment of covered conditions. – Provision of medical care, nursing care, and prescribed medication and consumables during the period of admission for the treatment of covered conditions. | ✓ | ✓ | ✓ | ✓ | |
| -Admission days | Refers to the maximum admission days allowed per annum for each plan. | 21 Days | 24 Days | 28 Days | 30 Days | |
| Physiotherapy | – Physiotherapeutic services. – Provision of prescribed Physiotherapeutic appliances e.g. Soft and hard cervical collar, Crutches. | Refer to the Maximum number of Sessions per annum | 3 | 5 | 8 | 15 |
| X-Rays & Other Diagnostic Tests | – Radiological services/Plain X- rays of the Limbs, Spine, Abdomen, Pelvis, Chest, Skull – Contrast studies – Ultrasound scan of Abdomen and pelvis – Rest Electrocardiogram (ECG) | As clinically required | ✓ | ✓ | ✓ | ✓ |
| Laboratory Investigations | – Histopathology – Haematological Investigations – Microbiological investigations – Serology – Clinical chemistry | As clinically required | ✓ | ✓ | ✓ | ✓ |
| Advanced & Complex Investigations | – CT Scan – MRI Scan – EEG – Echocardiography Limits specified represent an aggregation of the above | ✕ | 2 (MRI excluded) | 3 | 4 | |
| Accidents and Emergencies | – Emergency room services. – Limited to resuscitation or lifesaving interventions in cases where definitive management is an exclusion. | As clinically required | ✓ | ✓ | ✓ | ✓ |
| Ambulance and evacuation services | Intrastate evacuation only. Health facility and Roadside/Health facility. | ✓ | ✓ | ✓ | ✓ | |
| Intensive Care Services | Admission and care in the intensive care unit. | ✕ | ✕ | 48 hours | 96 hours | |
| Minor Surgeries | – Wound dressings. – Suturing of minor cuts and lacerations. – Incision and drainage of Abscesses. | Annual Surgical Limit | ₦200, 000 | ₦450, 000 | ₦650, 000 | ₦1, 000,000 |
| Intermediate Surgeries | – Minor wound debridement – Lump excision – Hernia repairs – Appendectomy – Surgery for haemorrhoids – Endoscopy – Surgery for ectopic pregnancy – Caesarean section | Annual Surgical Limit – Caesarean section for MetroMini plan is covered up to a limit of N100,000 | ||||
| Major Surgeries | – General surgeries such as Laparotomy. – Gynaecological surgeries like Hysterectomy. – ENT surgeries like Adenotonsillectomies. | Annual Surgical Limit | ||||
| Antenatal Care & Delivery | – Antenatal care including prescribed drugs – Management of pregnancy complications – Normal delivery – Assisted vacuum or forceps delivery – Post natal care – ( 6weeks post delivery) | ✓ ✓ | ✓ ✓ | ✓ ✓ | ✓ ✓ | |
| Chronic Diseases | Hypertension, Diabetes, Asthma, Tuberculosis, HIV, Glaucoma, Arthritis, treatment of Hepatitis, Sickle cell disease. | N50,000 limit | ✓ | ✓ | ✓ | |
| Neonatal Care | – Perinatal care including cord care, Physiologic jaundice, Ophthalmia neonatorum. – Immunization services within the first two (2) weeks including BCG and oral polio – Circumcision – Ear piercing – Incubator Care, NICU | No Limit | ✓ ✓ ✓ ✓ * | ✓ ✓ ✓ ✓ 48 hours | ✓ ✓ ✓ ✓ 72 hours | |
| Immunization (i) | – Routine Immunizations BCG, Measles, DPT, Oral Polio, Vitamin A supplementation, yellow fever, Hepatitis B, Pentavalent vaccine. | ✓ | ✓ | ✓ | ✓ | |
| Immunization (ii) | Additional immunization for 0 – 5 years, MMR, Pneumococcal vaccine, *Rotavirus | ✕ ✕ ✕ | ✓ ✓ ✕ | ✓ ✓ ✓ | ✓ ✓ ✓ | |
| Immunization (iii) | Additional Immunizations (6yrs and above) (Meningitis, Yellow Fever, Hepatitis B) | ✕ | ✕ | ✕ | ✓ | |
| Paediatric Care | Treatment of common childhood diseases like malaria, and other uncomplicated febrile illnesses, diarrheal diseases, Upper respiratory tract infection. | No Limit | ✓ | ✓ | ✓ | ✓ |
| Family Planning | – Counselling – Provision of Commodities e.g. IUCD (Copper T) – Injectable – Implant e.g. Implanon | As Clinically Required | ✓ ✓ ✓ ✕ | ✓ ✓ ✓ ✕ | ✓ ✓ ✓ ✓ | ✓ ✓ ✓ ✓ |
| Eye | – Basic eye examination – Refraction – Biennial Optical glasses – Tonometry – Central Visual Field | ✓ ✓ ₦10,000 ✓ 1 | ✓ ✓ ₦30,000 ✓ 2 | ✓ ✓ ₦75,000 ✓ 2 | ✓ V ₦100,000 ✓ 2 | |
| Dental | – Registration – Examination – Amalgam/Composite Filling – Scaling & Polishing – Pain Therapy Drugs – X-Rays – Non-Surgical Extraction – Surgical Extraction – Root Canal Therapy – Bridges & Crowns | Total annual limit for dental services | ₦20,000 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✕ ✕ | ₦30,000 ✓ ✓ ✓ ✓ ✓ ✓ ✕ ✕ ✕ | ₦75,000 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✕ | ₦100,000 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ |
| Cancer Care | – Consultation with Oncologist – Chemotherapy – Radiotherapy – Cytotoxic Drugs – Pain Therapy | Refer to Annual Limit | ₦125, 000 | ₦250,000 | ₦500,000 | ₦1,000,000 |
| Selective Screening | Annual Limit ₦45,000 | ✕ | ✕ | ✕ | ✓ | |
| Annual Medical Check-ups (at designated centres only) | On-site: Blood sugar, BMI, Blood Pressure, Urinalysis | On-site: Blood sugar, BMI, Blood Pressure, Urinalysis | Physical examination, Blood Pressure, Blood sugar, BMI, Genotype, Blood Group, PCV, Urinalysis, PSA, and Breast Scan | Physical examination, Blood Pressure, Blood sugar, BMI, Genotype, Blood Group, PCV, Urinalysis, Liver Function Test, Kidney Function Test, PSA and Mammogram | ||
| Psychological Care/Counseling | Out-patient/ Telemedicine | ✓ | ✓ | ✓ | ✓ | |
| Psychiatric Care | In-Patient | ✕ | ✕ | 2 Days | 5 Days | |
| Health Promotion | – Health education and disease prevention on various illnesses including HIV, Hypertension, Diabetes mellitus, Tuberculosis. – Health promotion information and Materials. | ✓ | ✓ | ✓ | ✓ | |
| Mortuary Care | Cleaning, Embalming, etc. | ✕ | ✕ | ₦60, 000 | ₦100, 000 | |
| Kidney Dialysis | Must not be pre-existing condition**. | 3 sessions | 4 sessions | 6 sessions | 8 sessions | |
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