Hygeia HMO
Hygeia Senior Exclusive
Top seniors plan — A–D1 category hospitals.
Price on requestWelbridg gets the price from Hygeia when you ask for a quote
Checked line by line against Hygeia's own schedule (Hygeia Retail Senior Plans 2025 (revised)) on 30 September 2026.
Existing conditions
Covered. Includes senile cognitive disorders, consultations, laboratory tests and medication. Drawn from the inpatient and outpatient limits. Chronic disease medication begins after 2 months.
Who can join
Open to people aged 51 to 85. Cover begins 7 days after purchase.
When cover starts
7 days after purchase.
Hospitals
2,179 hospitals in categories A–D, across 37 states.
What it covers
Limits are per person, per year, unless the plan says otherwise.
- Region of cover
- Category A–D hospitals, including Evercare, Reddington, Cedar Crest Abuja and Prime Medical Consultants
- Nigeria only
- Inpatient limit
- Private ward, up to 30 days a year
- ₦3,350,000
- Intensive care (ICU/HDU)
- Starts 6 months after you join
- Up to 72 hours
- Emergency and ambulance
- Resuscitation covered. Ambulance between hospitals covered; home or roadside to hospital 3 times a year
- Covered
- Surgery limit
- Day case, endoscopy, minor, intermediate and major surgery, including anaesthesia and theatre
- Starts 12 months after you join
- ₦1,000,000
- Outpatient limit
- ₦1,650,000
- Doctor consultations
- GP and specialist consultations covered
- Covered
- Virtual consultations
- GP by voice, chat or the HyMobile app. Includes 4 mental health therapy sessions and nutritionist care
- Unlimited, 24/7
- Chronic and pre-existing conditions
- Includes senile cognitive disorders, consultations, laboratory tests and medication. Drawn from the inpatient and outpatient limits. Chronic disease medication begins after 2 months
- Covered
- Medication
- Chronic disease medication and outpatient prescriptions. Delivery and pickup at partner pharmacies
- Starts 2 months after you join
- Covered
- Diagnostics
- Laboratory tests, radiology, ultrasound, ECG and spirometry
- Covered
- CT, MRI and echocardiography
- 8 sessions a year
- Optical care
- Starts 3 months after you join
- Covered
- Treatment of eye disease
- Acute and chronic eye disease
- Starts 3 months after you join
- ₦80,000
- Frames, lenses and contact lenses
- Once a year
- Starts 3 months after you join
- ₦40,000
- Eye surgery
- Starts 12 months after you join
- Covered from the surgery limit
- Dental care
- Pain relief, preventive care, fillings, non-surgical extractions, scaling and polishing. Surgical extraction covered
- Starts 3 months after you join
- ₦80,000
- Ear, nose and throat
- Acute and chronic ear disease. ENT surgery from the surgery limit
- Covered
- Cancer care
- Chemotherapy, radiotherapy, adjuvant drugs, oncology tests and surgery
- Starts 12 months after you join
- Covered
- Physiotherapy
- ₦60,000
- Kidney dialysis
- 3 sessions
- HIV and AIDS care
- Covered
- Psychiatric treatment
- Inpatient up to the accommodation limit; outpatient up to 6 months. Longer-term psychiatric illness is excluded
- Covered
- Health checks
- Physical, BP, urinalysis, HIV, blood sugar, ECG, PCV, liver and kidney function, lipid profile, Pap smear, PSA, mammography and hepatitis B. Must be done at a designated centre
- Covered
- Doctor wellness visits
- Scheduled in advance by Hygeia
- Once a quarter
- Death and funeral expenses
- Natural or accidental death, up to age 79
- Starts 6 months after you join
- ₦500,000
Not covered by this plan
- Maternity and family planning
- Fertility services
Exclusions
What the insurer's schedule says the plan never pays for.
- Overseas treatment and transplant surgery
- All maternity, neonatal, and family planning services
- Plastic and cosmetic surgery
- Advanced and complex investigations not stated in the schedule of covered services
- Investigations and treatment for problems relating to infertility
- Virility enhancing drugs, herbal drugs, non-prescription drugs, and experimental drugs and treatment
- Auto-immune diseases
- Homecare and domiciliary services
- Joint replacements and prosthetic limbs
- Immunisations
- Long-term psychiatric illness lasting longer than 6 months
- Comprehensive health screening or well-person checks outside the scope of the covered health checks
- Self-inflicted injuries
- Treatment of obesity
- Congenital abnormalities
- Covid-19 testing and treatment
- Speech disorders
- Room upgrades beyond that specified in the plan benefits
- Management of severe burns covering more than 10% of body surface area
- Learning difficulties, behavioural and developmental problems
- Consultations with unrecognised consultants, hospitals, family doctors, therapists, dental practitioners, or complementary medicine practitioners
- Any other treatment, service, procedure, or investigation not listed in the schedule of covered medical services
Hospitals by state
Hospitals and clinics that accept Hygeia Senior Exclusive. Sign in to search them by name or speciality.
- Lagos826
- Rivers204
- Abuja (FCT)190
- Oyo104
- Delta99
- Ogun97
- Kaduna60
- Edo49
Common questions about Hygeia Senior Exclusive
- Does Hygeia Senior Exclusive cover pre-existing conditions?
- Yes. Includes senile cognitive disorders, consultations, laboratory tests and medication. Drawn from the inpatient and outpatient limits. Chronic disease medication begins after 2 months.
- Who can join Hygeia Senior Exclusive?
- Open to people aged 51 to 85. Cover begins 7 days after purchase.
- Which hospitals accept Hygeia Senior Exclusive?
- 2,179 hospitals in categories A–D, including 826 in Lagos, 204 in Rivers and 190 in Abuja (FCT).
- What does Hygeia Senior Exclusive not cover?
- The schedule lists 22 exclusions, including overseas treatment and transplant surgery, all maternity, neonatal, and family planning services, plastic and cosmetic surgery and advanced and complex investigations not stated in the schedule of covered services.
Other Hygeia senior plans
- Senior Mini · Price on request
- Senior Midi · Price on request
- Senior Premium · Price on request