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Retail Plans

Individual . Family

Individual cover for you and your family.

An array of extensive insurance plans catering to students, small business owners, domestic staff and extended family members

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Standard Insurance
Plan (SIP)

Individual - ₦53,550

Family - ₦321,300

Target population: Informal sector (firms with less than 10 staff, low income group, self employed)

The benefit of this plan ranges from simple hospital visits to very complex health needs e.g Accidents & emergency, outpatient care, admissions, surgeries, pre-existing conditions, immunizations, antenatal & delivery, breast & cervical cancer treatment, etc.

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Discover Insurance
Plan (DIP)

₦85,531

Target population: Singles, young adults, youths e.g NYSC, On-the go millennials Etc.\Added advantage: membership of our discover health up with discounts on gym, access to life coach, psychotherapist and a lot more.
International consultation (Online & Telemedicine), opportunity for 2 instalment payments (80%-20%), simple hospital visits, accidents & emergency, chronic illnesses, mental health, outpatient care, admissions, surgeries, pre-existing conditions, preventive health, annual vital checks, essential dental and optical care, cancer care
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Value Insurance
Plan (VIP)

Individual - ₦149,417.33

Family - ₦616,382.13

Target population: Married, SMEs

International consultation (online & Telemedicine), simple hospital visits to very complex health needs e.g Accidents & emergency, outpatient care, admissions, surgeries, pre-existing conditions, immunizations, antenatal & delivery, cancer care, etc.
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Standard Insurance Plan (SIP)

Individual

₦53,550

Buy Plan

Standard Insurance Plan (SIP)

Family

₦321,300
Buy Plan

Discover Insurance Plan (DIP)

Individual

₦85,531
Buy Plan

Value Insurance Plan (VIP)

Individual

₦149,417.33
Buy Plan

Value Insurance Plan (VIP)

Family

₦616,382.13
Buy Plan

Standard Insurance Plan (SIP)

Individual

₦53,550

Buy Plan

Standard Insurance Plan (SIP)

Family

₦321,300
Buy Plan

Discover Insurance Plan (DIP)

Individual

₦85,531
Buy Plan

Value Insurance Plan (VIP)

Individual

₦149,417.33
Buy Plan

Value Insurance Plan (VIP)

Family

₦616,382.13
Buy Plan

General Exclusions and Service Caveats

Treatment of persons not registered in the scheme.
Treatment including delivery outside network of participating facilities.
Occupational Industrial injuries
Injuries resulting from:
  • Natural disasters e.g. earthquakes, landslides, etc.
  • Conflicts, social unrest, riots, wars, etc.
    • Epidemics
    Drug/substance abuse and addiction
    Other Terminal illnesses not stated in the plan
    Domiciliary/Hospice care
    Periodic Medical check-ups unrelated to illness
    Transplant and cosmetic surgeries
    Open heart surgery
    Neurosurgery
    Provision of Hearing aids and associated appliances
    Treatment of leprosy
    Auto Immune
    Congenital abnormalities involving major/extensive surgical repairs e.g. Separation of Siamese twins
    Chronic congenital defects e.g. Hirchsprung disease
    In-Vitro Fertilization & Fertility Treatment
    Dentures, Crowns, bridges, Implants
    Maxillo-facial surgeries
    Alternative/Un-orthodox treatment
    Dental prosthesis
    Self-inflicted injuries
    Gender reassignment
    Hormone replacement therapy
    Stem cell or bone marrow transplant
    Adult Immunization
    All treatment not covered under the scope of the health services
    What our customers are saying

    After having had a C-section in Port Harcourt under Novo Health Africa’s health plan, I can attest to the fact that I have never had a bad experience with them. Their service has always been commendable.

    - Nora N.

    Since my daughter was diagnosed with a serious illness, I can confidently say that Novo Health Africa (NHA) has been the most helpful HMO for us. After my job was terminated, I opted for NHA’s retail plan because of their excellent service and support.

    - Ifechukwu M.

    The telemedicine feature on the Novo Health Africa app is incredibly convenient. I can consult with doctors from the comfort of my home, which is a huge plus. It has saved me time and made healthcare more accessible.

    - Ibrahim B.

    The customer support at Novo Health Africa is fantastic. They are always helpful and resolve issues quickly. It is reassuring to know that I can count on them for any assistance I need.

    - Ngozi O.

    My experience with Novo Health Africa has been nothing short of excellent. From the quality of care to the efficiency of their services, everything is top-notch. I highly recommend them to anyone looking for a reliable HMO.

    - Uchendu E.

    Novo Health Africa provides outstanding medical care. The doctors are knowledgeable and caring, and the facilities are always clean and well-maintained. I have never felt more confident about my health coverage.

    - Omopemi O.

    I love the comprehensive health plans Novo Health Africa offers. They cater to all my family’s needs at an affordable price. The range of services included is vast, ensuring we get the best care possible.

    - Adebayo O.

    The Novo Health Africa app is a game-changer! It is user-friendly, and I can easily access my medical history, schedule appointments, and get reminders for my next check-up. It has made managing my health so much easier.

    - Chidinma N.

    The response time at Novo Health Africa is impressive. Whether I need to schedule an appointment or have a query, their customer service is prompt and efficient. It gives me great peace of mind knowing they are always there when I need them.

    - Adeyemi T.

    I have been with Novo Health Africa for over three years now, and their service has been exceptional. The care I receive is thorough and compassionate, and their team is always ready to assist. I could not ask for better healthcare coverage.

    - Amara I.

    I have been with Novo Health for the past two years, and the service has been exceptional, especially regarding timely delivery of my medications. My experience with Novo Health cannot be compared to my previous HMO. Novo Health consistently provides the outstanding service they are known for, and I have no plans of leaving. They are truly one of the best HMOs I have ever encountered.

    - Sunday N.

    My experience with Novo Health Africa has been exceptional. I appreciate the entire team for their support and comprehensive coverage, including cancer care services. Their dedication to my family’s health has been invaluable. I will always recommend Novo Health Africa HMO to friends and family as one of the best and most reliable HMOs I’ve encountered.

    - Isaac A.

    For further enquiries
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