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Exclusions:

  1. All services that are not included in a Benefit package
  2. Occupational and Industrial injuries to the extent covered under Employers’ Liability Insurance.
  3. All illnesses or injuries with more specific insurance cover.  
  4. Injuries resulting from the following: Natural disasters, e.g. earthquakes, landslides, tsunamis, flooding, Conflicts, social unrest, riots, wars, etc.
  5. Epidemics and Pandemics
  6. Family planning commodities, including condoms
  7. Injuries that arise from extreme sports, e.g. car racing, horse racing, polo, mountaineering, Wrestling, Boxing, etc.
  8. Drug Abuse/Addiction
  9. Cosmetic surgery
  10. Orthodontic services, dental implants
  11. Transplant surgery, Joint replacements, and Prostheses
  12. Consultations with unregistered and unrecognised clinicians
  13. Artificial ventilation and use of a ventilator.
  14. Supply of Durable Medical Equipment
  15. Artificial insemination including In-vitro fertilization and ICSI
  16. Treatment of Congenital abnormalities requiring advanced surgical procedures
  17. Pre-School Health Examinations & Pre-Employment Health Examinations
  18. Renal Replacement Therapy Including Dialysis
  19. Herbal drugs, non-prescription drugs, food supplements, and experimental drugs and treatment
  20. Bariatric Surgeries
  21. Congenital Anomalies
  22. Eye Care and Foot Care for Diabetes 23. Cancer Treatment
  23. Circumcision for Adults
Definitions:
Home healthcare services shall be limited to:1. Wound care: this includes cleaning of wounds, dressing changes, and assessment for wound healing.

1.1. Visits: Up to 3x/week for a period of up to 1 month. 1.2. Limit: 3 months/year

2. Physical/Occupational therapy/Speech therapy:

2.1. Visits: up to 2x/week for up to 6 weeks 2.2. Limit: 3x/year

3. Medication administration/Education:

3.1. Visits: Up to 5x/week for a period of up to 2 weeks 3.2. Limit: 3x/year

Pera Stat

Affordable and Essential Coverage for Your Healthcare Needs
Pera Stat is an HMO plan that offers cost-effective healthcare coverage with essential benefits. Designed for those seeking affordable options, Pera Stat provides access to a network of healthcare providers, ensuring quality care while keeping costs manageable.
Emergency
Outpatient Services

General Outpatient Consultation and care including necessary consumables.

Inpatient Services
Standard ward · Maximum of 25 days
Basic Diagnostics and Laboratory Tests
X-rays
Laboratory and diagnostic tests
Simple Pelvic and Abdominal Ultrasound scan
Advanced / Complex Investigations
Endoscopy, PSA, X-ray contrast studies Barium Meal/Enema, MRI, EEG, Echocardiogram CT Scan, Mammogram, etc.
Pharmacy Benefits
Prescribed medications for covered conditions as prescribed by the attending physician.
Surgery (Co-insurance)

Minor Surgeries and Procedures (After 3 Months)

60%

Intermediate / Major Surgeries and Procedures (After 6 Months)

70%

Maternity

Routine Antenatal care with
– Normal Delivery
– Caesarian Section
– Assisted delivery
– Post Natal Care

Max. limit of ₦200,000
Routine Dental care
Routine Dental Examination, Medication, Simple (Non-Surgical) tooth extraction, Simple amalgam filling Scaling and Polishing
Max. limit of ₦15,000
Root Canal Treatment 
Surgical Extraction
Bridges and Crowns
Routine Eyecare
Consultation/ Examination Treatment of minor eye ailments including:
– Conjunctivitis
– Simple contusions and abrasions
– Foreign bodies
– Refraction
Annual Eye Glasses
As prescribed by Optometrist

Max. limit of ₦10,000

Child Welfare
– SCBU/NICU (Phototherapy, Incubator therapy, EBT)
– Immunizations
– Growth Monitoring
– Routineimmunizationsas recommended by NPI
– Nutritional advice and health Education
– Health Promotion and Education
– Health promotion and Preventive care support

Max. limit of ₦50,000

Physiotherapy
10 Sessions
Mental Health Therapy

3 Sessions

Speech Therapy
Additional Immunization
for 0 – 5 years (HiB, MMR, Pneumococcal)
Annual Medical Check
Principal + Spouse
Annual Cervical Colposcopy for female enrollees (Illumigyn)
Additional Adult immunizations
Wellness Program / Alternative Medicine Therapies (GYM & SPA)
– Cupping (Discounted Access)
– Acupuncture (Discounted Access)
– Massage (Discounted Access)
– Yoga (Discounted Access)
Personal Accident Insurance
24-hour cover against bodily injury caused by violent, accidental, external, and visible means, solely and independent of any cause.
Home Health Services
Teleconsultation/ Telemedicine
Total Sum Assured (Benefit Limit)
₦500,000
Premiums
-
Individual
₦50,000
Family
₦300,000

Pera Plus

Enhanced Benefits for Comprehensive Healthcare Coverage
Pera Plus is a step up from Pera Stat, offering a wider range of benefits and services. With increased coverage for preventive care, specialist consultations, and additional wellness programs, Pera Plus provides a more comprehensive healthcare package while maintaining affordability.
Emergency
Outpatient Services
General Outpatient Consultation and care including necessary consumables.
Inpatient Services
Standard ward · Maximum of 27 days
Basic Diagnostics and Laboratory Tests
X-rays
Laboratory and diagnostic tests
Simple Pelvic and Abdominal Ultrasound scan
Advanced / Complex Investigations
Endoscopy, PSA, X-ray contrast studies Barium Meal/Enema, MRI, EEG, Echocardiogram CT Scan, Mammogram, etc.
Pharmacy Benefits
Prescribed medications for covered conditions as prescribed by the attending physician.
Surgery (Co-Insurance)
Minor Surgeries and Procedures

60%

Intermediate / Major Surgeries and Procedures

70%

Maternity

Routine Antenatal care with
– Vaginal Delivery
– Caesarian Section
– Assisted Delivery
– Post Natal Care

Max. limit of ₦250,000

Routine Dental care
Routine Dental Examination, Medication, Simple (Non-Surgical) tooth extraction, Simple amalgam filling Scaling and Polishing

Max. limit of ₦18,000

Root Canal Treatment 
Surgical Extraction
Bridges and Crowns
Routine Eyecare
Consultation/ Examination Treatment of minor eye ailments including:
– Conjunctivitis
– Simple contusions and abrasions
– Foreign bodies
– Refraction
Annual Eye Glasses
As prescribed by Optometrist

Max. limit of ₦10,000

Child Welfare
– SCBU/NICU (Phototherapy, Incubator therapy, EBT)
– Immunizations
– Growth Monitoring
– Routineimmunizationsas recommended by NPI
– Nutritional advice and health Education
– Health Promotion and Education
– Health promotion and Preventive care support

Max. limit of ₦50,000

Physiotherapy

15 Sessions

Mental Health Therapy

5 Sessions

Speech Therapy
Additional Immunization
for 0 – 5 years (HiB, MMR, Pneumococcal)
Annual Medical Check
Principal + Spouse
Annual Cervical Colposcopy for female enrollees (Illumigyn)
Additional Adult immunizations
Wellness Program / Alternative Medicine Therapies (GYM & SPA)
– Cupping (Discounted Access)
– Acupuncture (Discounted Access)
– Massage (Discounted Access)
– Yoga (Discounted Access)
Personal Accident Insurance
24-hour cover against bodily injury caused by violent, accidental, external, and visible means, solely and independent of any cause.
Home Health Services
Teleconsultation/ Telemedicine
Total Sum Assured (Benefit Limit)
₦750,000
Premiums
-
Individual
₦70,000
Family
₦420,000

Pera Pro

Extensive Coverage for Enhanced Medical Services
Pera Pro offers an even higher level of coverage, providing an extensive array of medical services and benefits. With access to a broad network of specialists, enhanced prescription drug coverage, and additional wellness incentives, Pera Pro caters to individuals and families who prioritise comprehensive healthcare.
Emergency
Outpatient Services
General Outpatient Consultation and care including necessary consumables.
Inpatient Services
Semi-private ward · Maximum of 30 days
Basic Diagnostics and Laboratory Tests
X-rays
Laboratory and diagnostic tests
Simple Pelvic and Abdominal Ultrasound scan
Advanced / Complex Investigations
Endoscopy, PSA, X-ray contrast studies Barium Meal/Enema, MRI, EEG, Echocardiogram CT Scan, Mammogram, etc.
Pharmacy Benefits
Prescribed medications for covered conditions as prescribed by the attending physician.
Surgery (Co-Insurance)
Minor Surgeries and Procedures

50%

Intermediate / Major Surgeries and Procedures

60%

Maternity

Routine Antenatal care with
– Vaginal Delivery
– Caesarian Section
– Assisted Delivery
– Post Natal Care

Max. limit of ₦300,000

Routine Dental care
Routine Dental Examination, Medication, Simple (Non-Surgical) tooth extraction, Simple amalgam filling Scaling and Polishing

Max. limit of ₦20,000

Root Canal Treatment 
40% Co-insurance
Surgical Extraction
Bridges and Crowns
Routine Eyecare
Consultation/ Examination Treatment of minor eye ailments including:
– Conjunctivitis
– Simple contusions and abrasions
– Foreign bodies
– Refraction
Annual Eye Glasses
As prescribed by Optometrist

Max. limit of ₦15,000

Child Welfare

– SCBU/NICU (Phototherapy, Incubator therapy, EBT)
– Immunizations
– Growth Monitoring
– Routine Immunizations as
recommended by NPI
– Nutritional advice and health
Education
– Health Promotion and Education
– Health promotion and Preventive
care support

Max. limit of ₦50,000

Physiotherapy

18 Sessions

Mental Health Therapy

8 Sessions

Speech Therapy
Additional Immunization
for 0 – 5 years (HiB, MMR, Pneumococcal)
Annual Medical Check
Principal + Spouse
Annual Cervical Colposcopy for female enrollees (Illumigyn)
Additional Adult immunizations
Wellness Program / Alternative Medicine Therapies (GYM & SPA)
– Cupping (Discounted Access)
– Acupuncture (Discounted Access)
– Massage (Discounted Access)
– Yoga (Discounted Access)
Personal Accident Insurance
24-hour cover against bodily injury caused by violent, accidental, external, and visible means, solely and independent of any cause.

Max. limit of ₦100,000

Home Health Services
Teleconsultation/ Telemedicine
Total Sum Assured (Benefit Limit)
₦1,000,000
Premiums
-
Individual
₦140,000
Family
₦840,000

Pera Ultra

Premium Coverage for Exceptional Healthcare Needs
Pera Ultra represents the top tier of HMO plans, offering excellent coverage and benefits. This plan is ideal for those who require regular medical care, specialised treatments, and a wide choice of providers. With comprehensive coverage for advanced medical procedures, alternative therapies, and personalised care management, Pera Ultra ensures peace of mind for individuals seeking the highest healthcare support.
Emergency
Outpatient Services
General Outpatient Consultation and care including necessary consumables.
Inpatient Services

Private ward · Maximum of 35 days

Basic Diagnostics and Laboratory Tests
X-rays
Laboratory and diagnostic tests
Simple Pelvic and Abdominal Ultrasound scan
Advanced / Complex Investigations
Endoscopy, PSA, X-ray contrast studies Barium Meal/Enema, MRI, EEG, Echocardiogram CT Scan, Mammogram, etc.
30% Co-insurance
Pharmacy Benefits
Prescribed medications for covered conditions as prescribed by the attending physician.
Surgery (Co-Insurance)
Minor Surgeries and Procedures

40%

Intermediate / Major Surgeries and Procedures

50%

Maternity
Routine Antenatal care with
– Vaginal delivery
– Caesarian Section

Max. limit of ₦350,000

Routine Dental care
Routine Dental Examination, Medication, Simple (Non-Surgical) tooth extraction, Simple amalgam filling Scaling and Polishing

Max. limit of ₦25,000

Root Canal Treatment 
30% Co-insurance
Surgical Extraction
30% Co-insurance
Bridges and Crowns
Routine Eyecare
Consultation/ Examination Treatment of minor eye ailments including:
– Conjunctivitis
– Simple contusions and abrasions
– Foreign bodies
– Refraction
Annual Eye Glasses
As prescribed by Optometrist

Max. limit of ₦25,000

Child Welfare
– SCBU/NICU (Phototherapy, Incubator therapy, EBT)
– Immunizations
– Growth Monitoring
– Routineimmunizationsas recommended by NPI
– Nutritional advice and health Education
– Health Promotion and Education
– Health promotion and Preventive care support

Max. limit of ₦50,000

Physiotherapy

20 Sessions

Mental Health Therapy

8 Sessions

Speech Therapy

10 Sessions

Additional Immunization
for 0 – 5 years (HiB, MMR, Pneumococcal)
Annual Medical Check
Principal + Spouse
Annual Cervical Colposcopy for female enrollees (Illumigyn)
Additional Adult immunizations
Wellness Program / Alternative Medicine Therapies (GYM & SPA)
– Cupping (Discounted Access)
– Acupuncture (Discounted Access)
– Massage (Discounted Access)
– Yoga (Discounted Access)
Personal Accident Insurance
24-hour cover against bodily injury caused by violent, accidental, external, and visible means, solely and independent of any cause.

Max. limit of ₦150,000

Home Health Services
Teleconsultation/ Telemedicine
Total Sum Assured (Benefit Limit)
₦1,300,000
Premiums
-
Individual
₦250,000
Family
₦1,500,000

Pera Executive

Exclusive Benefits for Executive-Level Healthcare
Designed for executives and high-level professionals, Pera Executive offers a tailored package of benefits and services to meet their unique healthcare needs. This plan includes concierge services, executive health check-ups, priority specialist access, and comprehensive coverage for advanced medical treatments. Pera Executive provides a comprehensive and exclusive healthcare experience for individuals who expect nothing but the best.
Emergency
Outpatient Services
General Outpatient Consultation and care including necessary consumables.
Inpatient Services

Private ward · Maximum of 35 days

Basic Diagnostics and Laboratory Tests
X-rays
Laboratory and diagnostic tests
Simple Pelvic and Abdominal Ultrasound scan
Advanced / Complex Investigations
Endoscopy, PSA, X-ray contrast studies Barium Meal/Enema, MRI, EEG, Echocardiogram CT Scan, Mammogram, etc.
20% Co-insurance
Pharmacy Benefits
Prescribed medications for covered conditions as prescribed by the attending physician.
Surgery (Co-Insurance)
Minor Surgeries and Procedures

30%

Intermediate / Major Surgeries and Procedures

40%

Maternity
Routine Antenatal care with
– Vaginal delivery
– Caesarian Section

Max. limit of ₦400,000

Routine Dental care
Routine Dental Examination, Medication, Simple (Non-Surgical) tooth extraction, Simple amalgam filling Scaling and Polishing

Max. limit of ₦30,000

Root Canal Treatment 
20% Co-insurance
Surgical Extraction
20% Co-insurance
Bridges and Crowns
50% Co-insurance
Routine Eyecare
Consultation/ Examination Treatment of minor eye ailments including:
– Conjunctivitis
– Simple contusions and abrasions
– Foreign bodies
– Refraction
Annual Eye Glasses
As prescribed by Optometrist

Max. limit of ₦30,000

Child Welfare
– SCBU/NICU (Phototherapy, Incubator therapy, EBT)
– Immunizations
– Growth Monitoring
– Routineimmunizationsas recommended by NPI
– Nutritional advice and health Education
– Health Promotion and Education
– Health promotion and Preventive care support

Max. limit of ₦50,000

Physiotherapy

25 Sessions

Mental Health Therapy

10 Sessions

Speech Therapy

10 Sessions

Additional Immunization
for 0 – 5 years (HiB, MMR, Pneumococcal)
Annual Medical Check
Principal + Spouse
Annual Cervical Colposcopy for female enrollees (Illumigyn)
Additional Adult immunizations
Wellness Program / Alternative Medicine Therapies (GYM & SPA)
– Cupping (Discounted Access)
– Acupuncture (Discounted Access)
– Massage (Discounted Access)
– Yoga (Discounted Access)
Personal Accident Insurance
24-hour cover against bodily injury caused by violent, accidental, external, and visible means, solely and independent of any cause.

Max. limit of ₦200,000

Home Health Services
Teleconsultation/ Telemedicine
Total Sum Assured (Benefit Limit)
₦4,000,000
Premiums
-
Individual
₦300,000
Family
₦2,400,000