GORAH HEALTHCARE PLANS
Individual 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 INDIVIDUAL PLAN | BASIC | LIFE | PREMIUM | BEST |
| Premium Individual per year | 25,000 | 45,000 | 75,000 | 145,000 |
| 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 |
| 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 ₦5,000.00 | Covered up to ₦10,000.00 | Covered up to ₦15,000.00 | Covered up to ₦20,000.00 |
| Scaling and Polishing | | | | |
| Composite /Amalgam Filling | ✗ | | | |
| Non-surgical tooth Extraction | | | | |
| Pain Relief | | | | |
| Dental Emergency | | | | |
| OPTICAL CARE | ||||
| Simple Optical Care | Limit up to 5,000 | Limit up to 10,000 | Limit up to 15,000 | Limit up to 20,000 |
| Eye testing& Eye Care (Biennial Optical Lenses)(After 6 month) | Up to ₦5000.00 | Up to ₦7,000.00 | Up to ₦10,000.00 | Up to ₦15,000.00 |
| Major Eye Surgeries (Subject to surgical limit) | | | | |
| 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) | | | | |
| 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 | | | | |
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