A Prestige Mediclaim plan offers enhanced health protection with higher benefit limits, access to any hospital of your choice in Nigeria, and over 2,500 hospitals in India — for individuals, families and corporates.
A Prestige Mediclaim plan offers enhanced health insurance coverage with higher benefit limits, broader hospital networks, and additional features like pre-hospitalisation, post-hospitalisation and wellness benefits. It is designed for individuals seeking extensive healthcare protection.
Unlike regular HMOs, Prestige Assurance makes sure every client and their dependants can receive treatment and hospital facilities in any hospital of choice in Nigeria, as well as over 2,500 hospitals in India through our parent company TPA (Third Party Administrator).
If you are looking for quality health insurance in Nigeria that you can fully rely on — what are you waiting for?
Covers individuals and family members under one policy with comprehensive in-patient and out-patient benefits.
Designed for corporates and organisations — covers employees and family members with optional add-on riders.
A single shared sum-insured pool covering the whole family, optimising premium cost across all members.
Waiver of pre-existing conditions, maternity cover, and critical care benefits available as group riders.
Prestige Mediclaim goes far beyond what standard HMO plans offer. From admission benefits to congenital disease cover, we provide a safety net that truly protects you and your family in any medical situation.
Our parent company TPA (Third Party Administrator) network opens access to over 2,500 hospitals in India in addition to our nationwide hospital network across Nigeria.
| Feature | Prestige | Typical HMO |
|---|---|---|
| Room Rent & Boarding Expenses | ||
| Ambulance Charges | ||
| ICCU Cover | ||
| Cataract Cover | ||
| Congenital Diseases | ||
| Critical Care Benefit | ||
| Grace Period | ||
| Hospital Cash Benefit | ||
| Any Hospital of Choice | ||
| India Hospital Network |
Comprehensive protection across hospitalisation, surgery, critical illness, ambulance, and more — designed to cover life's most serious health events.
Room & board, nursing charges, ICCU costs, and all in-patient medical expenses covered up to your policy sum insured.
Surgeon fees, operation theatre charges, and anaesthetist fees for all medically necessary surgical procedures.
Medical expenses incurred 30 days before and 60 days after hospitalisation are reimbursed as part of your cover.
Modern procedures requiring less than 24-hour stay — dialysis, chemotherapy, minor surgery — all covered.
Emergency road ambulance charges for transferring the insured to the nearest hospital are fully reimbursed.
In-patient specialist consultations — cardiologists, orthopaedic surgeons, neurologists — fully covered.
Lump-sum benefit payable on diagnosis of life-threatening conditions — cancer, stroke, or major organ failure.
Unlike most HMO plans, Prestige Mediclaim covers treatment costs for congenital conditions from birth.
A daily cash allowance paid for each in-patient day helps offset incidental costs not covered by main benefits.
Intensive Cardiac Care Unit charges and cataract surgery — both covered as standard, absent from most HMOs.
A grace period for premium payment after the due date protects your policy from lapsing unintentionally.
Access to over 2,500 hospitals in India through our parent company's TPA — for advanced specialist treatment.
Whether you are an individual, a family, or a business — there is a Mediclaim plan built precisely for your needs.
Tailored cover for a single insured person with flexible sum-insured options to match your lifestyle.
One shared sum-insured covering the entire family under a single premium — spouse, children, and dependent parents.
For corporates providing health benefits to their workforce — fully customisable with optional add-on riders.
Prestige Mediclaim Health Insurance is open to Nigerian residents between the ages of 18 and 65 years. Dependent children from 3 months to 25 years can be covered under a Family Floater plan. Senior citizens can be added with a loading premium at the company's discretion.
Whether you are a salaried professional, a business owner, self-employed, or a parent wanting to protect your family — Mediclaim gives you the financial cushion to focus on recovery, not medical bills.
The following are generally excluded. Please read the full policy document for a comprehensive list.
Illnesses or injuries that existed before policy inception and were not declared are excluded for the first two policy years.
Elective cosmetic surgeries, dental implants, and procedures undertaken solely for aesthetic improvement are not covered.
Medical costs arising from intentional self-harm, suicide attempts, or injuries sustained under the influence of alcohol or narcotics are excluded.
Treatments not recognised by the Nigerian Medical Association or still in experimental / clinical-trial phases are not covered.
Injuries or illnesses directly resulting from war, invasion, terrorism, civil commotion, or armed conflict are excluded.
Traditional medicine, herbal treatments, homeopathy, or alternative therapy not supported by conventional medical evidence are not reimbursed.
Get a personalised Mediclaim quote today. Our team is ready to help you find the right plan — individual, family, or group.