Custom Archives - Nigeria's leading HMO https://ihmsnigeria.com/product-tag/custom/ Healthcare that Fits Your Budget Thu, 08 Aug 2024 14:01:21 +0000 en-US hourly 1 https://wordpress.org/?v=6.9.4 https://i0.wp.com/ihmsnigeria.com/wp-content/uploads/2024/01/cropped-Untitled-design-3.png?fit=32%2C32&ssl=1 Custom Archives - Nigeria's leading HMO https://ihmsnigeria.com/product-tag/custom/ 32 32 220521326 Geriatric – Custom https://ihmsnigeria.com/product/geriatric-custom/ Sat, 29 Jun 2024 04:15:35 +0000 https://ihmsnigeria.com/?post_type=product&p=5957 Our Geriatric healthcare plan at IHMS HMO provides specialized care tailored to the unique needs of elderly members. It includes comprehensive wellness assessments, personalized care management, and access to a network of geriatric specialists. Our goal is to enhance quality of life, promote independence, and ensure holistic healthcare for our senior members.

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]]> • The proposal is vaild for 30 days which is effective from the date proposal is sent to the customer.
• Age is between 50 years to 85 years
• Additional waiting period for some sub- benefits. Please refer to the schedule above.

All benefits are subject to their respective sectional limits which is described as: Inpatient Limit and Outpatient Limit. However, within the respective sectional limit, there are specific benefit limits as well. Consequently, in the event that any specific benefit limit under the sectional limit is exhausted, the remaining limit in that section will only cover other benefits within the section apart from the one that the specific benefit limit has been exhausted.
Standard payment structure is annual.
• This is not family plan, each risk is assessed individually.
• The overall limits and benefits are not transferable to any other enrollee on another plan, or another person not covered on the plan.
• A plan purchased covers you even if you have one or more pre-existing conditions and all medications required to manage your preexisting conditions are covered with the preexisting conditions benefits.
• There is 7days grace period after renewals and when you don’t renew your plan after 7days of expiry you lose all graduated benefits and will need to start again from month 1 when you renew the plan.
• The 7 days grace period starts from the date your plan expires.
• Final contract is subject to IHMS’s terms and conditions.

• Cosmetic surgery or treatment
• Teeth whitening and Dental Prothesis
• Alternative /Un-orthodox medicine
• Domiciliary/Hospice care
• Neonatal care
• Self inflicted injuries
• Congenital abnormalities
• Fertility/Infertility – All investigations and treatment
• Infectious and contagious diseases in an epidemic
• Second opinion abroad/Refund of treatment abroad
• Services primarily for weight reduction or treatment of obesity
• Advanced radiological investigations (e.g. Myelogram, EEG)
• Advanced and complex investigations (e.g. Marrow biopsy, skeletal survey)
• Prosthetic devices such as cardiac pacemaker, orthopedic implants.
• Management of Chronic Renal Failure (Dialysis and Transplant Surgery)
• Induced Abortion
• Laser Treatments and Transplants
• Complex major surgeries (e.g. Heart, Brain and Great blood vessels)
• Neurological surgeries
• Injuries arising from professional sports and willful exposure to needless danger
• All procedures, conditions, management and investigations not written/stated and covered by the plan
• Conditions caused by an act of war, an epidemic or enrollee participating in a riot
• Obstetrics and Gynaecology
• HIV/AIDS Treatment
• Lifestyle Management
• Mental Health
• All types of dental or orthodontic cosmetic procedures including cost of consultation, examination, medication, procedures, follow-up visits
• Teeth whitening, Braces, Veneers, Aligners, Crowns, Tooth replacement, Cosmetic dental surgical and non-surgical procedures
• Teeth whitening, Braces, Veneers, Aligners, Crowns, Tooth replacement, Cosmetic dental surgical and non-surgical procedures

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]]> 5957 Individual – Custom – Retail https://ihmsnigeria.com/product/individual-custom-retail/ Sat, 29 Jun 2024 02:41:20 +0000 https://ihmsnigeria.com/?post_type=product&p=5926 Annual premium per individual
Overview:
The Retail Healthcare Plan by IHMS HMO is designed to provide comprehensive healthcare services to individuals and families in Nigeria. This plan aims to offer accessible and affordable healthcare coverage outside of employer-sponsored schemes.

Key Features:
Comprehensive Coverage:
Inpatient and outpatient care
Emergency services
Specialist consultations
Diagnostic services
Maternity care
Surgeries and procedures
Preventive Care:

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]]> Policy Conditions
1. The quote is valid for 30 days, starting from the date the proposal is sent to the customer.
2. Waiting period of 2 weeks (14 days) – policy starts 14 days after payment is confirmed
3. The age limit on the plan is 60 years.
4. Maximum family size of 6 (principal, spouse, and max. of 4 children).
5. The premium is paid annually
6. Roaming is allowed within applicable networks on the plan
7. Plan upgrade is not allowed within the policy period and can be discussed at renewals based on utilization
8. Plan downgrade is not allowed during the policy period until policy renewals
9. All benefits are subject to their respective sectional limits which is described as: Inpatient Limit and Outpatient Limit. However, within the respective sectional limit, there are specific benefit limits as well. Consequently, in the event that any specific benefit limit under the sectional limit is exhausted, the remaining limit in that section will only cover other benefits within the section apart from the one that the specific benefit limit has been exhausted
10. Graded access to benefits:
• 9 months waiting period for chronic illness, related chronic diseases, surgeries and cancer care
• 12 months waiting period for Obstetrics & Gynaecology including antenatal, delivery and post-natal care
11. All pre-existing conditions is not covered
12. Final contract/negotiations are subject to IHMS’s terms and condition

Policy Exclusions
•Cosmetic surgery or treatment
•Pre-existing conditions
•Auto immune diseases
•Epidemic and Pandemic
•Domestic Violence
•Civil Disobedience
•Teeth whitening and Dental Prothesis
•Alternative /Un-orthodox medicine
•Domiciliary/Hospice care
•Neonatal care not listed under neonatal services
•Self inflicted injuries
•Congenital abnormalities
•Infertility – All investigations and treatment
•Orthodontics
•Infectious and contagious diseases in an epidemic
•Second opinion abroad/Refund of treatment abroad
•Services primarily for weight reduction or treatment of obesity
•Advanced and complex investigations (e.g. Marrow biopsy, skeletal survey)
•Prosthetic devices such as cardiac pacemaker, orthopedic implants.
•Management of Chronic Renal Failure (Dialysis and Transplant Surgery)
•Induced Abortion
•Laser Treatments and Transplants
•Professional Sports and willful exposure to needless danger
•All procedures, management and investigations not written/stated and covered by the plan
•Conditions caused by an act of war, an epidemic or enrollee participating in a riot
All types of dental or orthodontic cosmetic procedures including cost of consultation, examination, medication, procedures, follow-up visits
Teeth whitening, Braces,Veneers, Aligners, Crowns, Tooth replacement,Cosmetic dental surgical and non-surgical procedures
•Domiciliary/Hospice care
•Alternative /Un-orthodox medicine
•Services primarily for weight reduction or treatment of obesity
•Cosmetic treatments and procedures
•All investigations, consultations, medications, procedures, and treatments not covered by the plan

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]]> 5926 Family of 2 – Custom – Retail https://ihmsnigeria.com/product/annual-premium-per-individual-retail-supreme/ Fri, 28 Jun 2024 22:29:24 +0000 https://ihmsnigeria.com/?post_type=product&p=5918 Family of 2 - Custom - Retail

Overview:
The Retail Healthcare Plan by IHMS HMO is designed to provide comprehensive healthcare services to individuals and families in Nigeria. This plan aims to offer accessible and affordable healthcare coverage outside of employer-sponsored schemes.

Key Features:
Comprehensive Coverage:
Inpatient and outpatient care
Emergency services
Specialist consultations
Diagnostic services
Maternity care
Surgeries and procedures

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]]> Policy Conditions
1. The quote is valid for 30 days, starting from the date the proposal is sent to the customer.
2. Waiting period of 2 weeks (14 days) – policy starts 14 days after payment is confirmed
3. The age limit on the plan is 60 years.
4. Maximum family size of 6 (principal, spouse, and max. of 4 children).
5. The premium is paid annually
6. Roaming is allowed within applicable networks on the plan
7. Plan upgrade is not allowed within the policy period and can be discussed at renewals based on utilization
8. Plan downgrade is not allowed during the policy period until policy renewals
9. All benefits are subject to their respective sectional limits which is described as: Inpatient Limit and Outpatient Limit. However, within the respective sectional limit, there are specific benefit limits as well. Consequently, in the event that any specific benefit limit under the sectional limit is exhausted, the remaining limit in that section will only cover other benefits within the section apart from the one that the specific benefit limit has been exhausted
10. Graded access to benefits:
• 9 months waiting period for chronic illness, related chronic diseases, surgeries and cancer care
• 12 months waiting period for Obstetrics & Gynaecology including antenatal, delivery and post-natal care
11. All pre-existing conditions is not covered
12. Final contract/negotiations are subject to IHMS’s terms and condition

Policy Exclusions
•Cosmetic surgery or treatment
•Pre-existing conditions
•Auto immune diseases
•Epidemic and Pandemic
•Domestic Violence
•Civil Disobedience
•Teeth whitening and Dental Prothesis
•Alternative /Un-orthodox medicine
•Domiciliary/Hospice care
•Neonatal care not listed under neonatal services
• Self-inflicted injuries
•Congenital abnormalities
•Infertility – All investigations and treatment
•Orthodontics
•Infectious and contagious diseases in an epidemic
•Second opinion abroad/Refund of treatment abroad
•Services primarily for weight reduction or treatment of obesity
•Advanced and complex investigations (e.g. Marrow biopsy, skeletal survey)
•Prosthetic devices such as cardiac pacemaker, orthopedic implants.
•Management of Chronic Renal Failure (Dialysis and Transplant Surgery)
•Induced Abortion
•Laser Treatments and Transplants
•Professional Sports and willful exposure to needless danger
•All procedures, management and investigations not written/stated and covered by the plan
•Conditions caused by an act of war, an epidemic or enrollee participating in a riot
All types of dental or orthodontic cosmetic procedures including cost of consultation, examination, medication, procedures, follow-up visits
Teeth whitening, Braces,Veneers, Aligners, Crowns, Tooth replacement,Cosmetic dental surgical and non-surgical procedures
•Domiciliary/Hospice care
•Alternative /Un-orthodox medicine
•Services primarily for weight reduction or treatment of obesity
•Cosmetic treatments and procedures
•All investigations, consultations, medications, procedures, and treatments not covered by the plan

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