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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)<