HEALTH PLANS FOR PARALLEX BANK AGENTS
NEM Health in partnership with Parallex Bank is delighted to offer you with quality healthcare solutions. Experience seamless access to care with our wide network of hospitals, Telemedicine services, virtual clinics and pharmacy benefits at your convenience.
PARALLEX BANK HEALTH PLANS
NEM Health in partnership with Parallex Bank is delighted to offer you with quality healthcare solutions. Experience seamless access to care with our wide network of hospitals, Telemedicine services, virtual clinics and pharmacy benefits at your convenience.
TERMS & CONDITIONS
•The plan requires 100 naira per day per person
•The age limit on the plan is 65 years
It allows a 5 day grace period for payment default after which the health plan may be deactivated if not funded.
An agent who breaches the health plan inbetween will be required to make payments for any outstanding period to conitune on the health plan.
POLICY EXCLUSIONS (Health insurance doesn’t cover it)
•Conditions caused by an Act of War, an Epidemic or Enrollee participating in a Riot, Civil Disobedience, Domestic Violence
•Cosmetic Treatments and Procedures
•Epidemic and Pandemic
•Alternative /Un-orthodox Medicine
•Domiciliary/Hospice care
•Neonatal care not listed under neonatal services
•Self Inflicted Injuries
•Congenital Anomalies for Children not born on the Plan
•Services Primarily for Weight Reduction or Treatment of Obesity
•Treatment of Substance Abuse
•Professional Sports and willful Exposure to Needless Danger
•School Admission Test
•All Procedures, Management and Investigations not written/stated and Covered by the Plan
All types of Dental or Orthodontic Cosmetic Procedures including Cost of Consultation, Examination, Medication, Procedures, Follow-Up Visits, and Teeth Whitening, Dental Prosthesis, Dental & Surgical Implants.
• Donor Costs associated with Transplant Surgeries
• Autopsies
• Hormonal Therapy (Anabolic Steroids and Testosterone)
Occupational Injuries and Hazards
| PLAN BENEFITS | |
|---|---|
| Benefit Categories | Parallex Rose |
| PLAN BENEFITS | |
| Region of Cover | Nigeria |
| Provider Category | Tier 1 |
| Annual Benefit Limit | Unlimited |
| OUT PATIENT CARE | |
| GP Consultation | Covered |
| Specialist Consultation | Covered |
| Rare Specialist Consultation | Not Covered |
| Telemedicine Consultation | Covered |
| Prescribed Medications | Covered |
| Basic Laboratory Investigations/X-Ray/Ultrasounds | Covered |
| IN PATIENT CARE | |
| Admission & Feeding | Covered (up to 15 days per annum) |
| Room Type | Standard Ward |
| Nursing Care and Consumables | Covered |
| INTENSIVE CARE SERVICES | |
| ICU | Not Covered |
| ACCIDENT AND EMERGENCY | |
| Emergency Room Care | Covered |
| Emergency Medical Transportation from Roadside to Hospital and Hospital to Hospital | Covered |
| Free Uber or Bolt ride home to hospital (Medical Emergencies Only) | Not Covered |
| Emergency Services – Resuscitation and Stabilization | Covered |
| PRIMARY IMMUNIZATIONS | |
| BCG | Covered |
| OPV | Covered |
| Pentavalent & IPV | Covered |
| HBV | Covered |
| Vitamin A | Covered |
| Measles | Covered |
| Pneumoccoccal | Covered |
| Yellow Fever | Covered |
| OBSTETRICS AND GYNAECOLOGY | |
| Antenatal care | As part of surgical limit |
| Induction of Labour & Normal Delivery | |
| Assisted Delivery | |
| Emergency or Elective Caesarean Section | |
| Post Natal Care- 6 weeks | Covered |
| Family Planning Services – All Methods | ₦20,000.00 |
| NEONATAL CARE SERVICES | |
| Special Baby Care Unit (Intensive care Unit-including life support, Phototherapy & Incubator care). limit per plan | 24 hours |
| Male Circumcision and Ear Piercing – Within first 6 weeks of life | Covered |
| Congenital anomaly treatment (for children born on the plan). Limits per plan | Not Covered |
| SURGICAL SERVICES | |
| Minor Surgery | ₦150,000.00 |
| Intermediate Surgery | N150,000.00 |
| Major Surgery | N150,000.00 |
| Tertiary Surgery/Minimal Invasive Surgeries | N150,000.00 |
| ENT SERVICES | |
| Treatment for ENT diseases | Covered |
| ENT surgery (Subject to overall surgical limit) | Covered |
| DENTAL CARE SERVICES | |
| Primary Dental Care – Basic dental treatment, Simple Amalgam or composite filling ,Scaling and Polishing, Non-Surgical Extractions and Pain Therapy/ Relief | ₦10,000.00 |
| Secondary Dental Care – Surgical Tooth Extraction, Root Canal Treatment and Orthodontics | |
| EYE CARE SERVICES | |
| Primary Eye Care- Consultation, Examination, Primary Infections, and Medications | Covered |
| Eye Surgeries covered as part of over all surgical limit | Covered |
| Lenses and Frames covered up to limit per plan (Once every 18 months) | ₦10,000.00 |
| MAJOR DISEASE CARE | |
| Cancer Treatment (Chemotherapy, Radiotherapy, Surgery), Major Organ Diseases- Kidney Dialysis, Organ transplants, Other major Organ diseases, Stroke, Rehabilitation Care. All drawn from major disease limits | ₦80,000.00 |
| PHYSIOTHERAPY CARE SERVICES | |
| Specialist Consultation & Treatment | Covered |
| Physiotherapy Sessions | 2 sessions |
| External Medical Devices & Appliances such as Crutches, Wheelchair, Neck Collars etc Limits are per annum | ₦10,000.00 |
| DIAGNOSTIC SERVICES | |
| Basic Radiological Studies e.g Plain x-ray, Contrast X-ray & Ultrasonography (Abdominal and Pelvic) | Covered |
| Laboratory Services- Histopathology, Hematological Investigations, Microbiological Investigations , Serology& Clinical chemistry | Covered |
| Spirometry , Electrocardiogram (ECG) – Rest & EEG-Electroencephalogram | Covered |
| Advanced and Complex Laboratory and Radiological Investigations e.g Echocardiogram, CT scan, MRI,e.t.c. | Not Covered |
| ANNUAL WELLNESS SCREENING (Principal) | |
| Physical Examination | Covered |
| Visual Acuity | Covered |
| Blood Pressure | Covered |
| Fasting Blood Sugar | Covered |
| PHARMACY BENEFIT AND CHRONIC DISEASE MANAGEMENT | |
| Chronic Medical Conditions (Drug Refill) | ₦30,000.00 |
| Drug Delivery and Pick up at Partner Pharmacies | Covered |
| Chronic Disease Management Program | Covered |
| MENTAL HEALTH MANAGEMENT(SECONDARY CARE) | |
| Specialist Consultations on Outpatient Cases Only | 3 weeks |
| Psychiatric Inpatient Cases | Not Covered |
| Employee Assistance Program / Stress Management | Covered |
| LIFESTYLE MANAGEMENT | |
| Discount at Network Gym Centres – iFitness Gym Centres | 30% |
| On-site Health Checks , Fitness/Aerobic Intructors, Health Talks/ Education Forum or Wellness Fairs | Covered |
| TELEMEDICINE & E-HEALTH SERVICES | |
| Teleconsultation | Covered |
| EXPERT SECOND OPINION SERVICE | |
| Second Opinion Service by Experts | Covered |
| POLICY EXCLUSIONS | |
| •Conditions caused by an Act of War, an Epidemic or Enrollee participating in a Riot, Civil Disobedience, Domestic Violence | |
| •Cosmetic Treatments and Procedures | |
| •Epidemic and Pandemic | |
| •Alternative /Un-orthodox Medicine | |
| •Domiciliary/Hospice care | |
| •Neonatal care not listed under neonatal services | |
| •Self Inflicted Injuries | |
| •Congenital Anomalies for Children not born on the Plan | |
| •Services Primarily for Weight Reduction or Treatment of Obesity | |
| •Treatment of Substance Abuse | |
| •Professional Sports and willful Exposure to Needless Danger | |
| •School Admission Test | |
| •All Procedures, Management and Investigations not written/stated and Covered by the Plan | |
| All types of Dental or Orthodontic Cosmetic Procedures including Cost of Consultation, Examination, Medication, Procedures, Follow-Up Visits, and Teeth Whitening, Dental Prosthesis, Dental & Surgical Implants. | |
| • Donor Costs associated with Transplant Surgeries | |
| • Autopsies | |
| • Hormonal Therapy (Anabolic Steroids and Testosterone) | |
| Occupational Injuries and Hazards |