Venus Medicare + EbonyLife on Plus Retail Plans

Specific Benefit Notes on coverage

Local evacuation to hospital Covered, Immediate after waiting period

Stabilization Covered, Immediate after waiting period

Emergency drugs and investigations Covered, Immediate after waiting period

Specific Benefit	Notes on coverage
Local evacuation to hospital	Covered, Immediate after waiting period
Stabilization	Covered, Immediate after waiting period
Emergency drugs and investigations	Covered, Immediate after waiting period

Specific Benefit Notes on coverage

General consultation Covered, Immediate after waiting period

Specialist consultation Internal medicine, Cardiology, etc

Routine Laboratory tests Covered, Immediate after waiting period

Non-Routine Laboratory Investigations Covered, Immediate after waiting period

Vitamin D Investigations Covered, Immediate after waiting period, D3 25-Hydroxy & 1,25-Dihydroxy

Hepatitis profile, Kidney & Liver Function Tests Covered, Immediate after waiting period, Excludes viral load

Hormonal Assays Covered, Immediate after waiting period, Thyroid, Pituitary, Pancreatic, etc.

Prescribed Drugs Covered, Immediate after waiting period

Physiotherapy Covered, Immediate after waiting period, 10 Sessions

Chronic Disease Management Covered after 6-month

Medical Dermatology Covered, Immediate after waiting period

Skin Biopsy Covered, Immediate after waiting period

ENT Services Covered, Immediate after waiting period

Cervical Collar Covered, Immediate after waiting period

Dietician (Consultation Only) Covered, Immediate after waiting period

Speech Therapy Covered, Immediate after waiting period, 10 Sessions

Outpatient observation Covered, Immediate after waiting period, 24-hour observation

Specific Benefit	Notes on coverage
General consultation	Covered, Immediate after waiting period
Specialist consultation	Internal medicine, Cardiology, etc
Routine Laboratory tests	Covered, Immediate after waiting period
Non-Routine Laboratory Investigations	Covered, Immediate after waiting period
Vitamin D Investigations	Covered, Immediate after waiting period, D3 25-Hydroxy & 1,25-Dihydroxy
Hepatitis profile, Kidney & Liver Function Tests	Covered, Immediate after waiting period, Excludes viral load
Hormonal Assays	Covered, Immediate after waiting period, Thyroid, Pituitary, Pancreatic, etc.
Prescribed Drugs	Covered, Immediate after waiting period
Physiotherapy	Covered, Immediate after waiting period, 10 Sessions
Chronic Disease Management	Covered after 6-month
Medical Dermatology	Covered, Immediate after waiting period
Skin Biopsy	Covered, Immediate after waiting period
ENT Services	Covered, Immediate after waiting period
Cervical Collar	Covered, Immediate after waiting period
Dietician (Consultation Only)	Covered, Immediate after waiting period
Speech Therapy	Covered, Immediate after waiting period, 10 Sessions
Outpatient observation	Covered, Immediate after waiting period, 24-hour observation

Specific Benefit Notes on coverage

General ward Covered, Immediate after waiting period

Semi private ward Covered, Immediate after waiting period

Private ward Covered, Immediate after waiting period

General/specialist doctor review Covered, Immediate after waiting period

Nursing care Covered, Immediate after waiting period

Drugs and infusions Covered, Immediate after waiting period

Routine lab investigations Covered, Immediate after waiting period

Vitamin D Investigations Covered, Immediate after waiting period

Hepatitis profile, Kidney & Liver Function Tests Covered, Immediate after waiting period, Excluding viral load

Hormonal Assays Covered, Immediate after waiting period

Hospital feeding Covered, Immediate after waiting period, Where available

End Stage Kidney Disease Management Covered after 6-months, 2 Dialysis Sessions/Year

Admission days Covered, Immediate after waiting period, Max. 21 days/case

Intensive care unit (ICU) Covered after 12 month, Upto 10 days

Specific Benefit	Notes on coverage
General ward	Covered, Immediate after waiting period
Semi private ward	Covered, Immediate after waiting period
Private ward	Covered, Immediate after waiting period
General/specialist doctor review	Covered, Immediate after waiting period
Nursing care	Covered, Immediate after waiting period
Drugs and infusions	Covered, Immediate after waiting period
Routine lab investigations	Covered, Immediate after waiting period
Vitamin D Investigations	Covered, Immediate after waiting period
Hepatitis profile, Kidney & Liver Function Tests	Covered, Immediate after waiting period, Excluding viral load
Hormonal Assays	Covered, Immediate after waiting period
Hospital feeding	Covered, Immediate after waiting period, Where available
End Stage Kidney Disease Management	Covered after 6-months, 2 Dialysis Sessions/Year
Admission days	Covered, Immediate after waiting period, Max. 21 days/case
Intensive care unit (ICU)	Covered after 12 month, Upto 10 days

Specific Benefit Notes on coverage

Routine NPI Immunization – 1 Covered after 3 months, Children born on the plan, [Tuberculosis, Poliomyelitis, Measles, Yellow Fever, (Pentavalent vaccine; Diphtheria, Pertussis, Tetanus, Hemophilus Influenza type B, Hepatitis B)]

Routine NPI Immunization – 2 Covered after 3 months, Children born on the plan, [Pneumococcal Conjugate Vaccine (PCV), Rotavirus & Vitamin A.]

Additional Childhood Immunizations Covered after 3 months, Children born on the plan, [IPV, & Hep A.]

Specific Benefit	Notes on coverage
Routine NPI Immunization – 1	Covered after 3 months, Children born on the plan, [Tuberculosis, Poliomyelitis, Measles, Yellow Fever, (Pentavalent vaccine; Diphtheria, Pertussis, Tetanus, Hemophilus Influenza type B, Hepatitis B)]
Routine NPI Immunization – 2	Covered after 3 months, Children born on the plan, [Pneumococcal Conjugate Vaccine (PCV), Rotavirus & Vitamin A.]
Additional Childhood Immunizations	Covered after 3 months, Children born on the plan, [IPV, & Hep A.]

Specific Benefit Notes on coverage

Minor procedures Covered after 3 months, Covered

Intermediate procedures Covered after 3 months, Covered

Major procedures Covered after 3 months, Covered

Surgical limit Covered after 3 months, N750,000/year

Specific Benefit	Notes on coverage
Minor procedures	Covered after 3 months, Covered
Intermediate procedures	Covered after 3 months, Covered
Major procedures	Covered after 3 months, Covered
Surgical limit	Covered after 3 months, N750,000/year

Specific Benefit Notes on coverage

Antenatal care Covered after 12 months

Normal delivery Covered after 12 months

Assisted delivery Covered after 12 months

Cesarean Section - C/S Covered after 12 months, emergency & medically indicated elective

Epidural Anesthesia Covered after 12 months, Where medically indicated, N75,000.

Family Planning Covered after 12 months, Counseling, OCPs, IUCDs

Specific Benefit	Notes on coverage
Antenatal care	Covered after 12 months
Normal delivery	Covered after 12 months
Assisted delivery	Covered after 12 months
Cesarean Section - C/S	Covered after 12 months, emergency & medically indicated elective
Epidural Anesthesia	Covered after 12 months, Where medically indicated, N75,000.
Family Planning	Covered after 12 months, Counseling, OCPs, IUCDs

Specific Benefit Notes on coverage

Well Baby Clinic Covered with Maternity services, upto 6 weeks post-delivery

Phototherapy, Neonatal care, Incubator care Covered after 12 months, Enabled with Maternity for children born into the plan: * upto first 7 days for unregistered newborn * upto first 28 days for Registered newborn

Neonatal ICU Covered after 12 months, Enabled with Maternity for children born into the plan: 10 days, newly born into the plan

Specific Benefit	Notes on coverage
Well Baby Clinic	Covered with Maternity services, upto 6 weeks post-delivery
Phototherapy, Neonatal care, Incubator care	Covered after 12 months, Enabled with Maternity for children born into the plan: * upto first 7 days for unregistered newborn * upto first 28 days for Registered newborn
Neonatal ICU	Covered after 12 months, Enabled with Maternity for children born into the plan: 10 days, newly born into the plan

Specific Benefit Notes on coverage

Plain X-rays & Ultrasound Covered, Immediate after waiting period

ECG & EEG Covered after 6 months

Echocardiogram & Doppler Covered after 6 months

Radio-opaque studies (Barium, HSG, IVU) Covered after 6 months

CT-Scan Covered after 3 months, 1 session of either CT-Scan or OCT

OCT Covered after 6 months, 1 session of either CT-Scan or OCT

MRI Covered after 6 months, 1 session, as Emergency only

Specific Benefit	Notes on coverage
Plain X-rays & Ultrasound	Covered, Immediate after waiting period
ECG & EEG	Covered after 6 months
Echocardiogram & Doppler	Covered after 6 months
Radio-opaque studies (Barium, HSG, IVU)	Covered after 6 months
CT-Scan	Covered after 3 months, 1 session of either CT-Scan or OCT
OCT	Covered after 6 months, 1 session of either CT-Scan or OCT
MRI	Covered after 6 months, 1 session, as Emergency only

Specific Benefit Notes on coverage

Endoscopic procedures Covered after 6 months

Audiogram Covered, Immediate after waiting period

Specific Benefit	Notes on coverage
Endoscopic procedures	Covered after 6 months
Audiogram	Covered, Immediate after waiting period

Specific Benefit Notes on coverage

Consultation & Routine Exam Covered after 3 months

Treatment of infection Covered after 3 months

Optical Lenses Covered after 3 months, Biennial limit of N20,000

Simple Eye Surgeries Covered after 3 months, Pterygium, Stye, Chalazion

Cataract & Glaucoma Surgery Covered after 3 months, N250,000 combined

Specific Benefit	Notes on coverage
Consultation & Routine Exam	Covered after 3 months
Treatment of infection	Covered after 3 months
Optical Lenses	Covered after 3 months, Biennial limit of N20,000
Simple Eye Surgeries	Covered after 3 months, Pterygium, Stye, Chalazion
Cataract & Glaucoma Surgery	Covered after 3 months, N250,000 combined

Specific Benefit Notes on coverage

Dental Consultation & Routine Exam Covered after 3 months

Treatment of Dental infection Covered after 3 months

Plain dental X-rays Covered after 3 months

Simple Dental extraction Covered after 3 months

Amalgam Dental fillings Covered after 3 months, 5 sessions/year

Composite Dental fillings Covered after 3 months, 4 sessions/year

Dental Scaling & polishing Covered after 3 months, 1 session/year

Dental Surgical extraction Covered after 3 months

Root canal treatment Covered after 3 months

Specific Benefit	Notes on coverage
Dental Consultation & Routine Exam	Covered after 3 months
Treatment of Dental infection	Covered after 3 months
Plain dental X-rays	Covered after 3 months
Simple Dental extraction	Covered after 3 months
Amalgam Dental fillings	Covered after 3 months, 5 sessions/year
Composite Dental fillings	Covered after 3 months, 4 sessions/year
Dental Scaling & polishing	Covered after 3 months, 1 session/year
Dental Surgical extraction	Covered after 3 months
Root canal treatment	Covered after 3 months

Specific Benefit Notes on coverage

Annual Medical Exams with investigations Age 45+, 6-month moratorium, At designated centers only. [Physical Examination, Electrocardiogram (ECG) – Resting, Urinalysis, Full Blood Count, Cholesterol Check, Random or Fasting Blood Sugar, Liver Function Test, Kidney Function Test, HIV, HBSAg, Hepatitis C (enrollee consent required)].

Specific Benefit	Notes on coverage
Annual Medical Exams with investigations	Age 45+, 6-month moratorium, At designated centers only. [Physical Examination, Electrocardiogram (ECG) – Resting, Urinalysis, Full Blood Count, Cholesterol Check, Random or Fasting Blood Sugar, Liver Function Test, Kidney Function Test, HIV, HBSAg, Hepatitis C (enrollee consent required)].

Specific Benefit Notes on coverage

Counseling Covered after 3 months

Outpatient consultation & treatment Covered after 3 months, Up to 8 weeks

Specific Benefit	Notes on coverage
Counseling	Covered after 3 months
Outpatient consultation & treatment	Covered after 3 months, Up to 8 weeks

Specific Benefit Notes on coverage

Basic investigations Covered after 12 months, Semen analysis, HSG, etc.

Simple surgical intervention Covered after 12 months, Hydrotubation, etc.

Non-hormonal drug treatment Covered after 12 months

Specific Benefit	Notes on coverage
Basic investigations	Covered after 12 months, Semen analysis, HSG, etc.
Simple surgical intervention	Covered after 12 months, Hydrotubation, etc.
Non-hormonal drug treatment	Covered after 12 months

Specific Benefit Notes on coverage

Screening (Breast, Cervix, Prostate) Covered after 12 months

Colposcopy Covered after 12 months

Mammogram Covered after 12 months

PSA test Covered after 12 months

Surgical treatment Covered after 12 months

Specific Benefit	Notes on coverage
Screening (Breast, Cervix, Prostate)	Covered after 12 months
Colposcopy	Covered after 12 months
Mammogram	Covered after 12 months
PSA test	Covered after 12 months
Surgical treatment	Covered after 12 months

Specific Benefit Notes on coverage

Voluntary counseling & testing Covered after 6 months

Treatment of opportunistic infections Covered after 6 months

ART facilitation at designated centers Covered after 6 months

Specific Benefit	Notes on coverage
Voluntary counseling & testing	Covered after 6 months
Treatment of opportunistic infections	Covered after 6 months
ART facilitation at designated centers	Covered after 6 months

Specific Benefit Notes on coverage

Anti-TB treatment facilitation Covered after 6 months

Specific Benefit	Notes on coverage
Anti-TB treatment facilitation	Covered after 6 months

Specific Benefit Notes on coverage

Category 1 Providers only Covered, Immediate after waiting period

Roaming across providers Covered, Immediate after waiting period

Specific Benefit	Notes on coverage
Category 1 Providers only	Covered, Immediate after waiting period
Roaming across providers	Covered, Immediate after waiting period

Specific Benefit Notes on coverage

Overall Financial Limit N2,000,000 pppa

Specific Benefit	Notes on coverage
Overall Financial Limit	N2,000,000 pppa

Specific Benefit Notes on coverage

Telemedicine Services Covered, Immediate after waiting period, Avilable In App

Specific Benefit	Notes on coverage
Telemedicine Services	Covered, Immediate after waiting period, Avilable In App

Specific Benefit Notes on coverage

Provision of prostheses and medical devices General exclusions

Cosmetic surgeries or procedures and all other cosmetic treatment General exclusions

Complex surgeries e.g. organ transplant, Brain and Spine surgeries, Heart surgery, Knee & hip replacement surgeries etc. General exclusions

All laparoscopic surgical procedures General exclusions

All procedures associated with Laser technology General exclusions

Correction of Major congenital birth defects General exclusions

Advanced radiology e.g. bone densitometry and skeletal surveys General exclusions

All treatment that involves use of Cytotoxic drugs General exclusions

High-end infertility treatment procedures e.g. In-vitro fertilization General exclusions

Occupational/work-related injuries covered under Employee’s Compensation act General exclusions

All intervention in respect of attempted suicide, purposefully self-inflicted injuries, mental disturbance or disorder as a result of alcohol & chemical substance abuse General exclusions

Injuries sustained while participating in a riot, civil commotion, war invasion, act of a foreign enemy, or high risk sports e.g. bike racing, boxing General exclusions

Long term psychiatric care [beyond 2 months] General exclusions

Non-prescription drugs/food supplements General exclusions

End-stage renal disease [beyond first 30 days and the maximum dialysis session of the plan] General exclusions

Services after the first 7 days of birth to a neonatal Dependent. General exclusions

Some dental care: sealants, tooth whitening/bleaching, dentures, braces, and all other advanced dental treatments General exclusions

Medical examination for other insurance, school camp, visa, employment or similar purposes General exclusions

Services rendered by persons not registered with a recognized legally constituted professional body General exclusions

Unauthorized overseas treatment. General exclusions

Outbreaks/Epidemics. General exclusions

Effects of natural disaster, acts of God and other force majeure events. General exclusions

EbonyLife On Plus Plan

EbonyLife On Plus Plan

Specific Benefit	Notes on coverage
Provision of prostheses and medical devices	General exclusions
Cosmetic surgeries or procedures and all other cosmetic treatment	General exclusions
Complex surgeries e.g. organ transplant, Brain and Spine surgeries, Heart surgery, Knee & hip replacement surgeries etc.	General exclusions
All laparoscopic surgical procedures	General exclusions
All procedures associated with Laser technology	General exclusions
Correction of Major congenital birth defects	General exclusions
Advanced radiology e.g. bone densitometry and skeletal surveys	General exclusions
All treatment that involves use of Cytotoxic drugs	General exclusions
High-end infertility treatment procedures e.g. In-vitro fertilization	General exclusions
Occupational/work-related injuries covered under Employee’s Compensation act	General exclusions
All intervention in respect of attempted suicide, purposefully self-inflicted injuries, mental disturbance or disorder as a result of alcohol & chemical substance abuse	General exclusions
Injuries sustained while participating in a riot, civil commotion, war invasion, act of a foreign enemy, or high risk sports e.g. bike racing, boxing	General exclusions
Long term psychiatric care [beyond 2 months]	General exclusions
Non-prescription drugs/food supplements	General exclusions
End-stage renal disease [beyond first 30 days and the maximum dialysis session of the plan]	General exclusions
Services after the first 7 days of birth to a neonatal Dependent.	General exclusions
Some dental care: sealants, tooth whitening/bleaching, dentures, braces, and all other advanced dental treatments	General exclusions
Medical examination for other insurance, school camp, visa, employment or similar purposes	General exclusions
Services rendered by persons not registered with a recognized legally constituted professional body	General exclusions
Unauthorized overseas treatment.	General exclusions
Outbreaks/Epidemics.	General exclusions
Effects of natural disaster, acts of God and other force majeure events.	General exclusions

EbonyLife On Plus Plan

EbonyLife On Plus Plan

✅ Emergency Services

✅ Outpatient Services

✅ Inpatient Services

✅ Child Health Services

✅ Surgical Services

✅ Maternity Services

✅ Neonatal services

✅ Radiological Services

✅ Special Investigations

✅ Eye Care

✅ Dental Care

✅ Annual Medical Check-up (Age 40+)

✅ Mental Health Services

✅ Fertility Services

✅ Cancer Care

✅ HIV/AIDS Management

✅ Tuberculosis Management

✅ Hospital Access

✅ Financial Limits

✅ Telemedicine Services

❌ Exclusions