GORAH HEALTHCARE PLANS
Family Health Plans
At Gorah HMO, we provide flexible and affordable health insurance plans designed to fit different lifestyles and healthcare needs. Whether you’re an individual, a family, a business, or a student, we’ve got you covered.
| GORAH FAMILY PLAN | FAMILY BASIC | FAMILY LIFE | FAMILY PREMIUM | FAMILY BEST |
| Premium Individual per year | 45,000 | 75,000 | 145,000 | 280,000 |
| Premium Family per year | 180,000 | 285,000 | 570,000 | 980,000 |
| OUTPATIENT SERVICES | ||||
| Out-Patient Limit | 80,000 | 100,000 | 120,000 | 150,000 |
| Out Patient Care, General Consultation | ✔ | ✔ | ✔ | ✔ |
| Specialist Consultation | 2 sessions | 3 sessons | 4 sessions | 5 sessions |
| Laboratory & Diagnostic Tests | ✔ | ✔ | ✔ | ✔ |
| X-Rays | ✔ | ✔ | ✔ | ✔ |
| Prescribed Medicines And Drugs | ✔ | ✔ | ✔ | ✔ |
| Management of Chronic Ailment | ✗ | Eligible After 6 month | Eligible After 6 month | Eligible After 6 month |
| Out-Patient Emergency | ✔ | ✔ | ✔ | ✔ |
| Advanced & Complex Investigations (incl. CT Scan, MRI Scan) | Emergency | Emergency | Emergency | Emergency |
| IN-PATIENT SERVICES | ||||
| In-Patient Limit | 100,000 | 120,000 | 150,000 | 200,000 |
| X-Rays, Laboratory & Diagnostic Tests | ✔ | ✔ | ✔ | ✔ |
| Prescribed Medicines And Drugs | ✔ | ✔ | ✔ | ✔ |
| Intensive Care Services | ✗ | ✗ | 48 Hours | 72 Hours |
| In- Patient Admission days | 15 days /annum | 20 days /annum | 30 days/annum | 30 days/annum |
| In-Patient Admissions | General Ward | General Ward | Semi-Private ward | Private-Ward |
| In-Patient services (including feeding) | ✔ | ✔ | ✔ | ✔ |
| Physiotherapy Sessions | 5 Sessions | 5 Sessions | 10 Sessions | 10 Sessions |
| Physiotherapy Sessions (Up to approved limits) | ✔ | ✔ | ✔ | ✔ |
| In-Patient Emergency | ✔ | ✔ | ✔ | ✔ |
| Advanced & Complex Investigations (incl. CT Scan, MRI Scan) | Emergency | Emergency | Emergency | Emergency |
| MOTHER AND CHILD SERVICES (APPLY AFTER 12 MONTHS) | ||||
| Antenatal Services and Delivery | Limit up to 50,000 | Limit up to 80,000 | Limit up to 100,000 | Limit up to 150,000 |
| Post Natal Care up to 6 weeks | ✗ | ✔ | ✔ | ✔ |
| Neonatal Care @Birth | ✔ | ✔ | ✔ | ✔ |
| Neonatal ICU,Special baby care Unit | ✗ | ✗ | 12 hours | 24 hours |
| Family Planning (Counselling,IUCDS,injectables,Implant and OCP) | ✔ | ✔ | Plus Implant | Plus Implant |
| Well baby Check | ✔ | ✔ | ✔ | ✔ |
| SURGICAL SERVICES (APPLY AFTER 6 MONTHS) | ||||
| Minor, Intermediate, Major Surgeries And Procedures | Limit up to 120,000 | Limit up to 250,000 | Limit up to 350,000 | Limit up to 1,000,000 |
| DENTAL CARE | ||||
| Primary & Secondary Dental Care | Covered up to ₦7,000.00 | Covered up to ₦12,000.00 | Covered up to ₦18,000.00 | Covered up to ₦22,000.00 |
| Scaling and Polishing | ✔ | ✔ | ✔ | ✔ |
| Composite /Amalgam Filling | ✗ | ✔ | ✔ | ✔ |
| Non-surgical tooth Extraction | ✔ | ✔ | ✔ | ✔ |
| Pain Relief | ✔ | ✔ | ✔ | ✔ |
| Dental Emergency | ✔ | ✔ | ✔ | ✔ |
| OPTICAL CARE | ||||
| Simple Optical Care | Limit up to 7,500 | Limit up to 12,000 | Limit up to 15,000 | Limit up to 20,000 |
| Eye testing& Eye Care (Biennial Optical Lenses)(After 6 month) | Up to ₦7500.00 | Up to ₦10,000.00 | Up to ₦12,000.00 | Up to ₦20,000.00 |
| Major Eye Surgeries (Subject to surgical limit) | ✔ | ✔ | ✔ | ✔ |
| IMMUNIZATIONS | ||||
| Routine Immunization (NPI) for 0 – 5yrs – DPT, Hepatitis B, HiB (Pentavalent), BCG, Measles, Oral Polio, Vitamin A supplementation& yellow fever (Health Center only) | ✔ | ✔ | ✔ | ✔ |
| Additional Immunizations -Hepatitis B, HiB, Pneumococcal, Yellow Fever and Meningitis for Adults | ✗ | ✗ | ✔ | ✔ |
| EAR, NOSE, AND THROAT SERVICES | ||||
| ENT Limit | ✗ | 7,000 | 10,000 | 15,000 |
| Treatment of ENT diseases and removal of foreign bodies | ✗ | ✔ | ✔ | ✔ |
| ENT Surgeries ( Subject to surgical limit) | ✔ | ✔ | ✔ | ✔ |
| OTHER BENEFITS | ||||
| Accidents & Emergencies | ✔ | ✔ | ✔ | ✔ |
| Evacuation (Home/Hospital to Hospital & Road Side to Hospital) | ✔ | ✔ | ✔ | ✔ |
| Fertility Services (Investigation Only) | ✗ | BASIC | BASIC | BASIC |
| Annual Wellness Check at Designated Centres (After 9 months) | BASIC | BASIC | BASIC | BASIC |
| HIV/AIDS – to the Extent of Diagnosis + Treatment at Free Specialist Centres | ✔ | ✔ | ✔ | ✔ |
| Outpatient Psychiatry cover up to 4 weeks | ✔ | ✔ | ✔ | ✔ |
