With the induction of the National Health Insurance Scheme in Nigeria, Redcare HMO (Health Maintenance Organization) began operations in 2009 to serve Nigerians as a means for affordable healthcare.
They offer services catered to individuals, corporations, families and parastatals.
Redcare HMO has over 600 hospitals in their network so you can access healthcare anywhere across Nigeria.
In this article, we will review their private and corporate healthcare plans.
Private Plans
They made this plan for individuals and families and has six different coverages, namely:
- Red Edge (Most affordable)
- Red Delight
- Red Delight Plus
- GoldPlus
- Platinum
- Diamond (Least affordable)
Under all (Red Edge to Diamond) the plans you get the following coverage:
- Out-Patient treatment
- Admissions/Inpatient Care
- Radiological Investigations
- Laboratory Investigations
- Physiotherapy
- Prescribed Medicines And Drugs
- NPI Immunizations
- Minor Surgeries And Procedures
- Chronic ailments
- Eye Care
- Neonatal Services
- Preventive Services
- HIV/AIDS- to the extent of diagnosis +treatment at free specialist centres
Some services covered under the Diamond Plan (least affordable) but not under the Red Edge (most affordable) plans are:
- Use of The Reddington Hospital
- Complimentary Ambulance Service
- Annual comprehensive medical check
- Accommodation
- Accidents & Emergencies
- Other Immunizations
- Intermediate Surgeries And Procedures
- Major Surgeries And Procedures
- Intensive Care Services
- High-Tech Investigations
- Antenatal Care & Delivery
- Primary Dental Care
- Psychiatry Cover
There are different exclusions and limits under each of the coverages, but the most basic plan, which is the Red Edge service, still has an extensive list of coverage.
Corporate Plans
This is the best plan for those that are employed.
This is an added benefit that employers can offer their employees, and because it’s bought in a group, premiums are more affordable.
Under the corporate plan, the coverages offered are:
- Silver (most affordable)
- Ruby
- Gold
- Platinum
- Diamond (least affordable)
Under all plans (Silver to Diamond), you can get the following coverage.
- General Outpatient Consultations
- Nutritionist / Dietician sensitization
- ENT surgeries (as stated in SLA)
- Specialist Consultations
- Out-Patient care
- Admissions
- Accommodation (including feeding for index client on admission
- Accommodation of mothers whose dependents are on admission (excluding feeding) (limited to SCBU/NICU cases only)
- Physiotherapy
- X-Rays, Laboratory & Diagnostic Tests
- Accidents & Emergencies
- Inter-state referral services for services not available in the state
- Prescribed Medicines + Drugs
- Routine Immunizations (NPI)
- Accidents & Emergencies
- Minor Surgeries & Procedures
- Ante-Natal Care + Delivery
- Neonatal and Post Natal Services
- Intermediate Surgeries and Procedures
- Infertility Treatment
- Chronic Ailments and Drug refill
- Preventive Services
- Gym
- HIV/AIDS Care to the extent of diagnosis & Treatment at free specialist centres
- Cancer care
- Primary Dental Care (fillings, non-surgical extractions, preventive care)
- Eye Glasses (or Contact Lenses)
- Cardiac Diagnostics
- Ambulance Service
- Kidney Dialysis
Coverages excluded from the Silver (most affordable) plan is:
- Intermediate Surgeries & Procedures
- Spa
- Advanced & Complex Investigations (incl. CT Scan, MRI Scan)
- Additional Immunisations for 0-5 years ( HiB, MMR, Pneumococcal)
- Dental Surgical Extraction
- Major Surgeries & Procedures
- Intensive Care Services
- Annual Medical Check
- Root Canal Therapy
- Eye Surgeries (pterygium and chalazion)
Conclusion
The Redcare HMO has exciting coverages such as the gym and spa as part of preventive measures to lead a healthy lifestyle which we talked about earlier.
It is well rounded with extensive healthcare coverage to make sure you can get affordable service.
If you need more information about Redcare HMO, please contact an agent here.