Judging by the realities on ground, Health insurance has come to stay. Either through the NHIS or the plans
promoted by different HMO's, Nigerians are getting used to being covered by one plan or the other. Different
State Governments are also getting set to introduce their own health cover for their indigenes and other people
living within their domains

However, experiences have been varied and though many have commended the service quality of most of the HMO's,
some have had bad experiences they really should not have had.


Lets get the ball rolling by reviewing the nature of coverage and quality of service rendered by participating hospitals
on behalf of HMO's. If you have had good experiences, please share and if they have been less than pleasant, also
share. Also do we indeed need Health insurance? I believe we do and everyone should become part of the drive to
secure the Health of all citizens in the country and reduce mortality figures.

Keep the thread running and i am sure we will have a wonderful discussion.

Akinwunmi

Hi all,

Still waiting for responses. I am sure that some of the readers of the post are on plans by HMO's.
Lets feel free to share as our reviews will help others take an informed decision.

Later today i will share what i consider to be the major benefits and then disadvantages of taking a plan.

keep having a blessed, crisis free and health day.

Hi, had internet downtime yesterday, so here comes the follow up to earlier discussion.
I intend to make a case for Health Insurance by pointing out its benefits, disadvantages and
solutions for the majority of the population of Nigeria.

Health Insurance (Managed Care) is the provision by a Health Maintenance Organisation of a defined
set of healthcare services to an enrolled population at an affordable cost by a network of selected
healthcare providers. As such a person enrolled can have immediate access to healthcare services even
without any extra expense of cash at designated centres.

This is critical, especially in emergencies, when one is cash strapped. There have been several cases
of people involved in accidents dying for want of adequate care at Hospitals visited simply because
they lacked the ability to pay for prompt care. One would not want an unprepared for expense as
low as N2,000 required as registration and consultation fee at tier one Hospitals to lead to a fatality.

It is in such a case that health insurance becomes critical, as it provides a hedge against such an occurrence.
Like all insurance products, the beauty of the program is the pooling of resources in order to share the risks
faced by many.

Question 1

What if despite owning a health insurance plan, one is still denied care at health facility due to bad word of mouth
or previous inability to pay incurred liabilities by HMO?

Solution

Apply due diligence in inquiring about the financial fitness and integrity of the HMO you would want to purchase a
health plan from. this is why previous testimonies or tales of disappointment would be useful. So if you have pleasant
or otherwise experiences, feel free to share.

Keep on having a blessed, crisis free and healthy day.

The second of twelve features / benefits of having an HMO Plan is the modulation of associated costs.

Individual visits to a health facility attract fees dependent on the the perception of your net worth by Medical
personnel. The same ailment treated at two different but similar health facilities will result in two different
bills being issued.

With an HMO plan, similar tier Hospitals charges are subject to charge at similar rates. As such once you
keep attending the same health facility, you can expect bills that can be taken care of by your plan with your
HMO.

Three years ago (2015) before i took a plan, my two year old son had pneumonia that resulted in admission in a
popular Surulere Hospital. He was there for five days. My bill for his treatment was N54,000. At the time
of the incident, I was out of cash and was only able to handle the payment through installments over three
months. Another child admitted in the same hospital was billed N200,000. I guess my bill was lower because
the Medical Director was a member of my church.

A basic health plan of N25,000 would have covered me in that case even if the bill had been N100,000.
It was later that I got to know that even the N25,000 could be paid in instalments of N10,000, N7,000 and
N8,000 over a space of three months.

Question

What if I pay N25,000 and do not fall ill at all during the 1 year plan period?

Answer
What if you do fall ill and are cash strapped like i was and do not have the luxury of knowing any Medical
Director? The opportunity cost is the lost man hours and inadequate care if all you can do is attend a
lower tier Hospital with lower expertise available. Also you do not have to wait till you have a major illness
like pneumonia before you buy a plan


It is better to accept the responsibility of protecting your loved ones by hedging against emergencies.

Keep on having a Blessed, crisis free and healthy day!!

Good Afternoon,

Different Benefit Plans

Continuing from Yesterdays discussion, another feature or benefit of having a Health Plan
is the ability to choose level coverage or consequent exposure. Since net worth of individuals
varies, several plan levels are catered for.

A Basic plan covers general consultations and prescriptions, minor surgeries, dental, optical and
Gynaecological care, tests and any physiotherapy required. Emergency evacuation from accident
scene is also catered for. Due to these provisions, a maximum limit of N400,000 can be incurred
for a plan costing N25,000.

Individuals of higher net worth will enjoy greater benefits for higher plans. To enjoy annual
medical screening from top notch facilities equivalent to those provided for overseas visits
and also cancer and dialysis treatment for the first three sessions, a yearly sum of N175,000
is needed. For such a sum, maximum benefits is N2,000,000.

These are worst case scenarios which no one wishes for but which some will definitely face.
A responsible family man or woman would normally situate themselves somewhere in between
the two plan levels.

For whichever plan however that one undertakes, a higher level of care than otherwise available
would be at ones disposal with opportunity for choice between two or more facilities.

If you have never taken a health policy before and have questions or doubts, feel free to share and
I will reply as soon as I can.

Have a great day catering for the needs of your family. Remain Healthy.

24 Hours Nationwide Access

Just a word. You are alive for 24 hours a day for as long as you live. You therefore need to be protected
from ill health 24 Hours a day any where you are. As such you will need to be protected
24 Hours of the day Nationwide.

A health plan by a National HMO will ease any worries in that direction. Most HMO’s although
headquartered in a city will have branches and agencies all through the length and breadth
of the country.

This gives you the ability to make use of Hospitals in case of emergencies in any major town
or city Nationwide, if you are someone given to undertaking journeys or are holidaying in another town.

Since your plan determines breadth of treatment you are entitled to, your choice of expertise
required is wider and can afford you taking treatment in a top notch Hospital where you are visiting.


Undertake journeys without a care knowing you are still covered. The discussion continues.

Overcoming hindrances to consultation.

Since you now have a plan, the usual hesitance to visit the doctor for complaints would be
removed and you will feel freer to seek Medical Intervention when signs of illnesses appear.

Fears of high Doctors bills would be removed and this would lead to early detection and proper
treatment of ailments. You can also seek permission of your HMO to go for a second opinion
from a Specialist.

In all, a greater breadth of control is now available to you. All these for no more than N2,000 per month
paid semi-annually.

It is all about facing risks with a positive attitude and a good plan. Hiding away from a risk factor does not
remove the risk, rather it leaves one with a greater exposure.

Taking a first step towards protection would be the best thing you could do for yourself. I am available
if you need information. Call or Text.

Gbenga ( 08178362213 )

To remain fit, do more than exercise and eat right, get a Health plan.

Pls read. Just came across this and explains why our current discussion is important.

https://www.nairaland.com/4708664/doctors-hippocratic-oath-count-experience

Would have made all the difference if the man had an ID card from an HMO. A call would
have listed hospitals around that could be visited within the hour.

Even though the money is an ever present issue, it should not have caused the mans death!!

Lets take the advice and get secured, hedge against unnecessary risks by taking on a plan.

My reaction to this post

https://www.nairaland.com/4707471/thoughts-nigeria-medical-doctors/11#70823899


My thots,

A Medical Professionals career starts with being idealistic and as desired patriotic to the Hippo Oath.
What changes however is the environment in which Medicine is being practiced in Nigeria. As stated earier
Government's concerns are too numerous to commit required resources to needy sector. The treatment
meted out to Health is the same meted out to Education.

Which is where the private sector comes in. However the main concern of the Nigerian entrepreneur is a fast
break even and profit potential is uppermost, which is why many businesses die within two years of inception.

The doctors originally cited for impatience may have acted out of two possible motives - to attend to a long queue
of patients within time allotted without exhausting him(her) self, or because he had quantified what his time was
worth and didn't think any patient deserved more than that.

Whichever motive is paramount, it still remains a fact that money plays a great role and Governments can not be
left with the responsibility to ensure a system built on Quality control and assurance.

More money is needed for the system and i believe that the role of Health Insurance (Managed Care) is essential
in creating a pool of funds that can drive the system.



More on this topic later.

A Nigerian Doctors travails...

Copied

from: https://www.nairaland.com/4708664/doctors-hippocratic-oath-count-experience



I am a Nigerian doctor, and I work in Nigeria.

I have been on call, 24/7 for the last 365 days, no weekends no leave. Why? Because the community hospital where I work in cannot afford to pay many doctors at the same time. Why? Because the patients cannot afford to pay for basic healthcare services. Why? Because the economy is bad. And if they can't pay, how can you give them QUALITY healthcare?

I handle emergencies with rechargeable lanterns.

I site intravenous lines with my phone torchlight.

I consult in a room with no fan, let alone an A.C, and I am expected to rack my brains and make diagnoses, even though I see a large number of patients within a short period of time.

I have had to operate on patients with phone torchlights.

I have had to improvise an incubator with a CARTON for a premature baby.

I have had to use a suction bulb, instead of an AMBU bag or an oxygen delivery apparatus, to resuscitate a baby.

I have had to use 5 ml syringe to resuscitate a patient in shock because there was no infusion set [compare this to using a spoon to fill a bucket with water]

I have practiced for 3 years but my bank account doesn't reflect it. Why? Most of my patients are poor and I am forced to pay for their treatment. Fact!

I have managed diabetic crises without hourly RBS, let alone tests like SEUCr [compare this to sailing without a compass, or flying without a radar]

In the western world, CT scans, MRI, ECGs are obtainable in the emergency department. Largely because there's an effective health insurance scheme. But here, my patients can't afford 3 square meals, they cant even do low cost tests like FBC, MP and PCV [each of which costs approximately #500], so how can they afford CT scans and MRIs, most of which costs as much as 50k to 80k for a single test.

How do you want me to diagnose them right when I cannot do these tests to confirm my diagnosis? By magic or clairvoyance?

I am faced with these daunting challenges. And I am faced with two choices: to watch them die, or to use my brain, my raw clinical acumen, and improvise to make ends meet. Most times I get it right. But sometimes, who knows, I may not. Why? Because I am no bleeping "mutant X". I got no x-ray vision! Neither do I have a magic wand.

So next time before anyone compares me, or any other Nigerian doctor, with the average doctor in the western world who has all kinds of " medical toys" at his beck and call, the person should do well to bring such a person and place him on a 24/7, 365 days call in this shitty hell hole and compare his mortality rate with mine. Only then can we have this talk.

Yes, there are incompetent Nigerian doctors [ I am working on an article on that ], but so there is in any other profession, both in Nigeria and in the west. Yes, even in the Western world! John Hopkins recently published a study which revealed that the third commonest cause of death in the U.S of A, 3rd only to Cancer and Heart disease, is doctors' error! That is in the United States.

So, contrary to what we may think, "misdiagnosis", "negligence", "incompetence" is not peculiar to "Nigerian doctors".

We should stop blaming "Nigerian health care workers" and fix our system. The government has a lot of work to do. And until we do that, it would be unfair, perhaps inhuman, to compare our health indices with that of the western world, and to blame our healthcare workers for supposed "incompetence", when it falls short of what is obtainable in the western world.

I want a situation where there's an effective health insurance scheme in place, where the average man in the street can afford basic healthcare delivery, where I can run as much lab investigations as I want without being afraid that the patient may not be able to afford it, where every patient has an ECG monitor by his bed side, where I can do CTs and MRIs even before taking full history, where I wouldn't have to improvise incubators with cartons, where I wouldn't have to operate with phone torchlights, where ......

This is what I want. But I don't have that luxury. So I try my best to make ends meet in order to save lives. You should really take a walk in my shoes.

I am a Nigerian doctor, I work under impossible conditions and still generate positive results. I walk with my head held high.

Hoo-yah! #copied

Children in focus

It is sure that your children are highly cherished by you. They deserve prime position in the
consideration of a Family man or woman. As children they are exposed to risks of injuries,
due to their playful nature as well as childhood illnesses that are common at childhood.

Although their schools generally have contacts with or relationship with nearby Health facilities,
they may due to cost choose lower tier hospitals or those without Pediatricians. In some cases
this is critical, as there are some ailments only the trained eyes of an experienced pediatrician
can detect.

A case in point is that of a 7 years old girl who kept complaining persistently of stomach aches.
She was taken to a hospital, where drugs were prescribed, but when the pains subsided and
reappeared, medical advice was sought from a specialist at a Government secondary health facility.
The Doctor said he diagnosed a hole in the navel and that a surgery would be required within a month.

Just as a check before surgery, the girl was taken to LUTH, where after examination and some tests,
the Pediatrician stated that there was nothing wrong with her. Believing the Second Doctor would
have meant an unnecessary surgery and exposure to its unwanted dangers. Obviously, sometimes
you get what you pay for.

For simple illnesses, routine consultation and any minor surgeries, most HMO’s have basic plans that
cover kids at a lower rate. This rate is also available for schools insuring kids and including the cost in
school fees. It is actually beneficial for schools to make a provision for health insurance to the tune of
between a tenth and twentieth of school fees, thereby affording kids Managed care even when they are
not covered by a family health plan.


Protect your loved ones, get your Family, a Family Health Plan.

The difference between Life Assurance, General Insurance and Managed Care (Health Insurance)

Life assurance plans generally provide for benefits to dependants in case of death of person insured,
while General Insurance caters for unforeseen risks in the course of the daily experiences of those
insured. In most cases, there is no payout except in the rare case that the risk plays out as a danger
or fatality or loss to the person insured.

There is a little difference in the case of Managed Care (Health Insurance) which could be considered
as a savings for an eventual rainy day. Even where there is no heavy downpour, a slight drizzle is
catered for immediately. As such even without the clear signs of dark clouds, meaning that rainfall
cannot be predicted, minor occurrences are catered for.

While under coverage, any signs and symptoms whatsoever can be properly diagnosed and treated
before getting out of hand. So from day one you will be entitled to treatment if covered under Managed
Care. As such there is a contingent liability on the Health Maintenance Organisation to make provisions
for your care at facilities designated for your care.

In order to predispose health facilities to immediately attend to HMO clients, a certain percentage of
annual plan fee charged clients by HMO is prorated and paid monthly to clients designated health facility.
This payment is called capitation.

As such, whether the client uses the health facility or not, the Healthcare providers are paid in advance
of any visit. If the client actually then uses the services of Healthcare providers, any charges incurred
are then settled by the HMO.

There is a minimum level of benefit enjoyed by HMO Clients that is not enjoyed in other general cases
of Insurance. The exception perhaps might be savings inclined Insurance plans like those that provide
for Education through payment of premiums.

Thus a client undertakes to forego amounts paid in excess of capitation in exchange for the right to
enjoy higher amounts than premiums paid in the event of the incidence of ill Health requiring such bills.

The Health Insurance system provides for a base income that assures Hospitals of continued patronage
and moderates their need to overcharge occasional patients to cover for expenses. This stability enables
greater effectiveness and efficiency in relationships between clients, HMO’s and Healthcare providers.

For your Managed Care individual plans starting from N25,000 p.a payable in instalments call or
whatsapp me, 08178362213 (Gbenga).
P.S
For the discerning HNWI requiring expertise found in Hospitals like Eko Hospital or St. Nicholas, there are
plans starting from N120,000 p.a.

We will proceed to treat some frequently asked questions in detail.

Q Are you sure I can get all the benefits listed under my Health Plan by paying just a token
as a premium for a whole year?

A What is paid as premium is usually sufficient to cater for all reported bills incurred by enrollees
who report sicknesses. The applicable rates for HMO plans are not decided on by fiat, but are a result of
medical data, applicable fees charged by Hospitals and health facilities, health index of the population segmented
by age, cost of operations etc as determined by Ministry of health, Economists, Hospitals, actuaries, statisticians and case
presentation of targeted market.

When the dynamics of the HMO market have been fully understood and allowed to determine rates, it will be difficult
to run foul of the game. HMO's fail due to several reasons chief of which are lack of technical sophistication or
maladministration.

Coming back to the question, what you pay as premium will be enough to cater not only for you but for all others
that may report ill.

You can take the premium as an average amount charged for services provided under each plan. If arrived at meticulously, and if the HMO is well administered, it is difficult, even highly impossible to go wrong.

Your assurance should not be on the amount charged but on the quality of expertise found in each HMO.

You can trust me to point you in the direction of an HMO with longevity of stay on the market, well respected in the market and with adequate expertise. Call me on 08178362213 (Gbenga)

Go get a plan, you need one!!
There is a plan for everyone!!!

Health Insurance Premium - Cost/Benefit Analysis


The Human Resources Manager in a corporate organisation prior to the promulgation of the NHIS Act would
do well not to act in the dark but was limited in his evaluation of case histories of employees reported to him.

As such an organisation generally paid much more than was necessary to cater for the health needs of its
workforce. Because of this, some organisations pay a medical allowance and left the employee to cater for
any Vagaries that may arise. This put the employee at a serious disadvantage when costs of medical services
exceeded the resources of employees and organisations left employees to their fate.

Such a case may arise where an employee for example suffers a kidney failure and is left to his/her fate.
A good plan caters for the first 3 dialysis treatment and may allow the employee time to think out a solution
for the problem.

No plan can adequately take care of all expenses for the worst of cases but will provide a buffer against shocks
that may occur.

Burying one’s head in the sand, assuming that no danger exists may augur well for some, but there are those
who pay the price. A Health Insurance premium is a small amount to pay to assure oneself of protection
against a danger to one’s ability to continue to create wealth and a sustainable well being for oneself and family.

Take the plunge - Pay for your premium and get adequate protection

Please contact me - Gbenga (08178362213)

The stability of the Healthcare System and maintenance of structure

In Nigeria as in most parts of the World, people don’t go to see a doctor until, a sickness they
have personally managed turns into a crisis. They take to heart the advice given by Pharmacists
and drug manufacturers that encourage you to take an OTC drug for a limited time before
considering a visit to the doctor in the event symptoms persist.

As such most Health facilities are on the defensive, seeking to maximize each visit by a patient.
This they do by recommending treatments and charging fees that give a higher payback. This
they do because they must stay in business if they must be there to serve the populace and this
entails paying salaries and overheads, as well as maintaining premises and resources in good order.

Also to attract good talent and get the best expertise, higher than average salaries are paid.
This necessity demands that hospitals be categorized into top notch, medium cost and all comers
categories. In reality, you get what you pay for. In Teaching Hospitals, good talent stays because
the Federal Government or State is paying

The provision of a robust Health Insurance Infrastructure and Ecosystem ensures that money is
pooled to provide instant access for desperate cases, ameliorate worst cases and take care of all minor cases.

Paying your premium is helping to make this possible as well as ensuring that YOU are protected.
In the case of Life Insurance, it is our dependents that are protected but in the case of Health
Insurance, the protection starts from you. Like they say, when on a flight, in the case of an emergency,
take care of yourself first by putting on the oxygen mask, then can you take good care of your ward by
alternating between yourself and your ward.

Take the first step. Reach me if you need more information or reasons for taking a plan.
Call Gbenga (08178362213)

We will consider following question next:

Q . Are my pre-existing conditions immediately taken care of by my plan?

A. It is important that a note of caution be made about pre-existing conditions i.e medical
conditions a client may be suffering prior to taking a plan. At the point of enrolling for the plan,
several questions are asked as to the state of health of enrolees to ascertain if they are subject to
some common ailments requiring continuous medical attention that would imply continuous medical
bills. In a case, where there are such conditions, the plan under which insurance will be provided is
varied by the need for underwriting the other than usual expenses that will be incurred.

The essence of an insurance policy is the cover to a certain sum for minor and major ailments upon
the payment of a sum called the premium which though compared to the cover is small but when collected
from several clients takes care of occurrences of both minor and major incidents while leaving the insurer
with a tidy sum for the service rendered.

If you have a pre-existing ailment and it is not too severe to scare away an insurer, you would be well advised
to disclose such an ailment so it can be underwritten and included in costs.

It should be mentioned that Health insurance as the name suggests is to ensure good health and not for treating
terminal illnesses. If however, a life threatening illness should occur during the course of a plan’s duration, a
health cover should as far as possible provide some solutions to present problems.

It should be stated that an unforeseen but common occurrence of a pregnancy is not ruled out as a pre-occurrence
and as such can be taken care of depending on the plan bought by client.

Have a healthy pregnancy and a safe delivery. Get insured today.
Call Gbenga (08178362213)

Benefits of Corporate Enrollment Part 1

For the Company and its staff

1. Reducing absenteeism. No employee can claim he was unable to visit a retained Hospital due to distance
and therefore had to stay at home to receive treatment.
2. Fraudulent bills. The era of such bills due to collusion with Hospital staff will be put to an end.
3. Reduction of occurrence of crazy bills due to monitoring by Medical Staff of HMO’s
4. Where the client suffers lacerations or injuries requiring surgery or stitching, this can be handled easily
without recourse to heavy outlay.

There are many instances where staffs of Companies are absent from work for short or extended periods and
they claim that absence is due to their ill health and inability to visit retained hospital due to far distance from
their homes. This will be prevented as there will always be an HMO designated Hospital within reasonable distance
from most locations.

The relationship and bond between HMO’s and designated is a strong one and assures that cases of fraudulent
bills due to collusion with Hospital staff are brought to barest minimum, ensuring that corporate organisations
only pay for services they enjoy.

Medical facilities define their target clients and bill for services based on perceived net worth of clients and ability
to pay. Excessive billing for regular services are bound to be queried by Medical staff of HMO who are there to
ensure efficiency of the process and that there are no instances of excessive bills.

Any staff involved in accidents requiring minor surgery are immediately attended to by Hospitals without recourse to
billing process and billing is sent to clients as an after the fact activity.

To illustrate, staff of my HMO were on a Marketing trip, when after stopping along the way and opening the door of
the car, an okada rider swerved to avoid a pothole, and almost severed one of his toes on hitting the door. The toe
was dangling and the pain was much. My colleagues called at a designated hospital where the doctor on duty refused
the case referring them to Igbobi Orthopaedic Hospital. It took them calling the Help Centre, to contact the Medical
Director who after correcting the Doctor on duty proceeded to stitch the toe back in place since the bones were not fractured.

The resultant effect of corporate enrollment is for the company to have a retainership agreement with many Hospitals at
a low cost.


At your service all day.
Gbenga (08178362213)

Benefits of Corporate Enrollment Part 2

For the Company and its staff

1. Access to consultants in cases where a superior opinion is required.
2. Evacuation in case of emergencies
3. Access to care no matter where staff are in the country
4. Medical allowances will be judiciously spent as they will form the bedrock of premiums offering
better total cover.
5. Consolidation of Costs associated with medical treatment and provision in annual budget allows
a company to keep track and manage its medical expenses

In the good old days of retainer relationships, a consultant was called in only in the rare case that the
Doctor in charge felt his (her) expertise was needed. In the current case of Managed care, the need
for a referral to a Consultant can be negotiated between the patient and the Doctor and referrals are easy
as there are several referral centres among designated Hospitals. In the case that a patient has a long
standing health issue, even though this must be disclosed and underwritten, a client is given the opportunity
to choose a Hospital with a relevant Consultant in-house right from the start.

In the case of an accident either at home or outside, health insurance proves its value with the provision of a
means of evacuating quickly an immobile client with just a call. This would avoid the situation where a retained
hospital lacked adequate resources to arrange a quick evacuation upon its sudden occurrence.

Health Maintenance Organisations usually have participating hospitals spreads all through the nation. The HMO
I promote has over 2,000 Hospitals spread all through Nigeria. So no matter where clients are in the country,
they can be assured of effective and efficient services.

Medical allowances where expenditure is left to the discretion of Staff can end up being spent on mostly non
Medical needs leaving the staff exposed at critical times. Some organisations pay annual Medical allowances
upfront at beginning of the year. This gesture even though commendable, could be better handled by the
Human Resources Department by deducting and paying an amount representing the annual premium chosen
to be paid by staff compulsorily, while leaving the balance to the discretion of the staff. In most cases, this measure
would provide better assurances of insured health of all staff.

Posting all costs of medical allowances to the balance sheet of the organisation at the start of the year
allows an organisation to safely manage its expenses, putting a cap to maximum exposure, while leaving the
luxury of maintaining relationships with many retained participating hospitals at a cost that is far subsidized.

Please place a call for more information on the values of Health Insurance to you.

Gbenga (HMO 4)
(08178362213)

If you have been reading and enjoying this series, please follow and share as this will meet the reasons
for starting the series.

Have a blessed day and rewarding day!!

Hello,
I was just scrolling through some HMOs websites and decided to check nairaland to see if our people have had experience with the health insurance. it is a good one here.
i work in a company where i am open to a free medical care only at the companys clinic(though when reffered for tests, the bill is covered). i plan to have a health insurance for myself so i can have access to a wide range of hospitals outside.
my questions are: will a card or some means of identification be given after subscribing for the plan?
2. will it cover major treatments incl. admission and drugs without any other payment?
Been checking mansard and hygeia....and honestly they have good plans. which is better?

Hi, @mrmichael1,

Quite sorry to have been slow in responding to your inquiry. I have been caught up with work
and missed your post. I will respond as soon as possible.

Please pardon the glitch.

Gbenga.

Hi all.

To attend to @mrmichael1's inquiries on Health Insurance,

- a Health Insurance plan through the HMO I recommend will avail you with an Identity card that allows
you to receive accelerated access to medicare at your designated provider and in case of emergencies at
nearest hospital on our network. All you have to do in case of an emergency is to call the 24/7 call centre
number and you will be directed to the nearest network provider.

- If you are interested i can send a Table of Health Insurance benefits listing all the care provided, but suffice it to say that
with as little as N25,000, you can be protected with treatment against any occurrence of some debilitating illnesses
as appendicitis and hernia and other minor procedures. At some centres, appendectomy could cost as much as
N80,000. Please send your email.

- Both Axa-Mansard and Hygeia are major HMO's with good track records but are biased towards different
segments of the market. Hygeia caters for the major cities with preference for the high end of the market. Non Price
sensitive and High net Worth clients are preferred. Their plans are rather pricey. Hygeia also covers some aspects of
Travel Insurance by offering Global coverage while Mansard covers clients in Nigeria and India.

- At a later time I will dwell on a comparison of HMO Plans by 5 of the foremost HMO's looking at their slants towards
different segments of the market to enable readers reach an informed decision on the HMO to favour for each Plan
configuration.

Once again, thank you for your close attention and sharing of this topic.

Dear @AlfredoNob,

Thank you for response. It is gladdening.

Like you said, Health Insurance is a good possession. Again like you said it is good if you can afford it.

HMO's have over the years, with increasing acceptance of their products, tried to make its possession
cheaper to afford. HMO 004, that I represent now allows for payment in instalments. A plan costing N25,000
can be started with a payment of N8,000 and the balance paid in four to six months. Look at that figure in
comparison to the benefits which include exhausting the premium and incuring bills to a maximum tune of
N430,000. NO Insurer looks forward to all insured exhausting their claims, but that is a technical possibility.

The National Health Insurance Scheme beneficiaries pay sums in that range and have to make do with expertise
found in Government Hospitals and primary health care centres. HMO's mostly use Private High Quality Hospitals
and Consultants not working under stress of a high patient turnout.

It should be noted that without the assistance of HMO's moderating bills drawn up by Medicare providers, it would be
difficult if not impossible for a middle class income earner to afford medicare from hospitals the quality of Eko Hospital,
St. Nicholas and Lagoon Hospitals. Though you have to pay more premium to afford that kind of care, it has been
brought within reach.

It is good that you have found a way to deal with anxiety using CBD oils, but one problem with traditional or alternative
medicare is the issue of dosage and side effects. Some others have found solace in meditation while others have found
smoking or drinking helpful. I depend on God's grace and medical assistance.

It is the noticeable gap in communicating with and alleviating problems of potential and actual enrollees that gave rise to
this topic and i would like to use this medium to correct some of those ills. So if you need info or have had a good or bad
experience with any HMO including HMO 004, please feel free to use this forum to vent it.


Have a wonderful day!!

Good evening.

Before I proceed to dissect the offerings of the top 5 HMO's offering Health Insurance in Nigeria, I'd like you to read through the
following Posts featured online.

https://www.legit.ng/1133432-10-hmo-nigeria.html

https://www.nigerianinfopedia.com/top-health-insurance-companies-nigeria-list/

http://www.hotvibesmedia.com.ng/2017/12/42-top-best-accredited-health-insurance-companies-nigeria-hmo.html

http://goodhealthclue.com/top-40-health-insurance-companies-in-nigeria/

The posts list either 10 or 40 best HMO's providing Health Insurance.

HMO 004 is listed as No 4 on the top 40 Health Insurance list. A conservative company, capitalised to the tune
N500 million, though not large in public sight has been working silently at engaging the public in its efforts
to set up good Medicare systems. On its lists are over 400,000 enrollees, 400 major private companies and
24 Government Ministries covered.

On its system grid are close to 3,000 Healthcare providers including Hospitals, Clinics, Pharmacies Physiotherapy
Clinics, Dental, Optical and Diagnostic centres providing services at the level of different strata of society and networth.

In my next post, i will dissect offerings and you will be left with better information to guide your decisions.

Have yourself a restful night and a rewarding day ahead.

Dear Esteemed Readers,

Please find below a listing of Health Insurance Product offerings of 6 Major HMO's. Some include pricing while
others require you send a mail to request pricing. The HMO's include THT, Clearline, Hygeia, HCI,
AXAMansard and Multishield.

The general entry level Health Insurance pricing for individuals is approximately N20,000. Pricing for mid-level
corporate employees is approximately N40,000. Family Plans start from N100,000.

Features of Health Insurance Plans by different HMO's shows that similar provisions are made. An example would be
entry Optical and Dental Costs pegged between N6,000 and N7,000.

The plans do not allow for what are termed pre-existing conditions during the first year of operation
of a Plan.

Engage with these companies through these links:

Avon Individual Health Plans
https://www.avonhealthcare.com/individuals/

Avon Couples Health Plans
https://www.avonhealthcare.com/couples/

Avon Family Health Plan
https://www.avonhealthcare.com/family/

Avon SME’s and Associations
https://www.avonhealthcare.com/small-business/




Healthcare International Health Plans
http://www.healthcare-ng.com/our-plans




AxaMansard Health Plans
https://www.axamansard.com/myaxa/health/plans/




AIICO Multishield Health Plans (No Pricing)
http://www.aiicomultishield.com/plans/



Hygeia HMO Health Plans
https://www.hygeiahmo.com/our-plans/





Total Health Trust (THT) Health Plans (No Pricing)
https://totalhealthtrust.com/portfolio/our_plans/





Clearline HMO Health Plans (Pricing Request)
http://www.clearlinehmo.com/


Please note that pretty soon, owning an Health Insurance plan in one form or another
will become mandatory, i.e. State, Federal (NHIS) or private HMO. Lagos State will soon
start its Lagos State Health Scheme, just like Oyo State and others. It would be in your
interest to dissect all information available and make an informed decision on your own
Healthcare needs.

Once again i'd like to suggest that you purchase a Health Plan from HMO 004 (Healthcare International HCI).
I would be glad to receive inquiries or requests along these lines as HMO 004 is well respected
among Health Providers and the Healthcare Industry as a faithful payer of Capitation leading to
warm reception of HCI Clients at Health Facilities.

Give me a call,SMS on my line below. Huge Discounts are in store if you do so.

Regards...

Gbenga
08178362213

Hi readers! I'd also like to recommend rovedana HMO. Their service was really swift, their plans and pricing, very affordable as well. Visit their website and i promise you wont regret it. rovedana Health plans https://rovedana.com/healthcare

kiuninaija:
Dear Esteemed Readers,

Please find below a listing of Health Insurance Product offerings of 6 Major HMO's. Some include pricing while
others require you send a mail to request pricing. The HMO's include THT, Clearline, Hygeia, HCI,
AXAMansard and Multishield.

The general entry level Health Insurance pricing for individuals is approximately N20,000. Pricing for mid-level
corporate employees is approximately N40,000. Family Plans start from N100,000.

Features of Health Insurance Plans by different HMO's shows that similar provisions are made. An example would be
entry Optical and Dental Costs pegged between N6,000 and N7,000.

The plans do not allow for what are termed pre-existing conditions during the first year of operation
of a Plan.

Engage with these companies through these links:

Avon Individual Health Plans
https://www.avonhealthcare.com/individuals/

Avon Couples Health Plans
https://www.avonhealthcare.com/couples/

Avon Family Health Plan
https://www.avonhealthcare.com/family/

Avon SME’s and Associations
https://www.avonhealthcare.com/small-business/




Healthcare International Health Plans
http://www.healthcare-ng.com/our-plans




AxaMansard Health Plans
https://www.axamansard.com/myaxa/health/plans/




AIICO Multishield Health Plans (No Pricing)
http://www.aiicomultishield.com/plans/



Hygeia HMO Health Plans
https://www.hygeiahmo.com/our-plans/





Total Health Trust (THT) Health Plans (No Pricing)
https://totalhealthtrust.com/portfolio/our_plans/





Clearline HMO Health Plans (Pricing Request)
http://www.clearlinehmo.com/


Please note that pretty soon, owning an Health Insurance plan in one form or another
will become mandatory, i.e. State, Federal (NHIS) or private HMO. Lagos State will soon
start its Lagos State Health Scheme, just like Oyo State and others. It would be in your
interest to dissect all information available and make an informed decision on your own
Healthcare needs.

Once again i'd like to suggest that you purchase a Health Plan from HMO 004 (Healthcare International HCI).
I would be glad to receive inquiries or requests along these lines as HMO 004 is well respected
among Health Providers and the Healthcare Industry as a faithful payer of Capitation leading to
warm reception of HCI Clients at Health Facilities.

Give me a call,SMS on my line below. Huge Discounts are in store if you do so.

Regards...

Gbenga
08178362213

Hi Mr Michael! You can also check out rovedana HMO. Their services and health insurance benefits come in very juicy packages. They have quite a number of hospitals nationwide you can pick from. Check out their website here https://rovedana.com/healthcare

[color=#990000][/color]

mrmichael1:
Hello,
I was just scrolling through some HMOs websites and decided to check nairaland to see if our people have had experience with the health insurance. it is a good one here.
i work in a company where i am open to a free medical care only at the companys clinic(though when reffered for tests, the bill is covered). i plan to have a health insurance for myself so i can have access to a wide range of hospitals outside.
my questions are: will a card or some means of identification be given after subscribing for the plan?
2. will it cover major treatments incl. admission and drugs without any other payment?
Been checking mansard and hygeia....and honestly they have good plans. which is better?

Hi all,

Hope you have been informed, enthused and empowered by posts on this topic in
the last quarter of this year.

Take the advice shared seriously. We all need to take better care of ourselves.

Get Health Insurance from HMO 004 Healthcare International by requests through replies
or by calling 08178362213.

Here's wishing one and all Merry Christmas and a wonderful new year ahead.

Remain Healthy and Blessed!!

P.S

Alert.

Lagos State known as the centre of excellence is set to launch its own Lagos State Health Scheme next week.
You will receive updates once it does.

Regards...

Gbenga
08178362213

Hi guys. Health Insurance is now a buzz word in the Centre of excellence.

Was at the launch today of the Lagos State Health Scheme (LSHS) at the Civic Centre, V/I, Lagos
At the Launch were the Lagos State Governor, APC Candidate, The Oba of Lagos, The Ayangburen of IKorodu,
the Oloja of Epe, several White cap Chiefs, The Ambassador of Netherlands, Representatives of the World
Bank, USAID and the Host, the Commiksioner for Health of Lagos State.

Details of the Health Insurance Scheme were Shared and the State Governor was the first to be enrolled.

With the launch, it is now mandatory in Lagos to have one form of Health Insurance or the other i.e. you must
be enrolled with NHIS, LSHS or HMO Registered.

HCI, Healthcare International (HMO 004) is in charge of registration of LSHS enrollees in Eti-Osa, Ibeju Lekki, Ikorodu and Epe.
Other nine HMO's have similarly being given locations to cover. This shows the level of confidence, Lagos State has in the
services of these Ten HMO's.

As a reminder, HMO's provide enhanced cover through top notch Medical Facilities. I would encourage you to pick up your
phone and call 08178362213 Gbenga, to enroll either on the HCI Plans or the LSHS Plans if you stay in any of the stated
areas mentioned.

More gists will follow on the LSHS.

Regards...

Gbenga
08178362213

10 Best Foods That Can Increase Sperm Count Naturally – Food That Boosts Fertility Naturally



Increase Sperm Count Naturally: How to Increase Sperm Count is a measure of the number of spermatozoa per ejaculation or per measured amount of semen, used as an indication of a man’s fertility.



A low sperm count has been linked with factors such as a zinc deficiency or a lack of vitamins. So, making some nutritional changes can be a great way to bring that sperm count up. If you think that you are suffering from a Low Sperm Count and you are searching for a way to Increase Sperm Count the best advice for you is that you should go and see your doctor. However, you can also Increase Sperm Count naturally with this foods.

READ HERE: Millions Living With High BP Could Be Saved By a £1.30 a Day Pill Being Used to Treat Diabetes
List of 10 Foods that Helps Increase Sperm Count
naturally
Here are the list of Foods that Helps Increase Sperm Count naturally.

1. Dark Chocolate


Dark chocolate is often associated with lust filled rendezvous. Strawberries dipped in chocolate next to a glass of champagne on a bedside table greet many a guest during their honeymoon. What you probably didn’t know is dark chocolate is great for your sperm count as well. It contains an amino acid called L-Arginine HCL known to increase semen volume and sperm count. It has also been rumored to increase orgasm intensity.

2. Spinach


Folic acid is vital to the development of healthy sperm. Spinach and other types of leafy green vegetables are a rich source of this vitamin. When your folate levels are low, there is a greater chance you will produce malformed sperm. This will lead to sperm that will have a hard time reaching the egg and penetrating its protective barrier. Also, there is a greater chance of birth defects because of the faulty sperms chromosomal abnormalities.

READ Kimchi Korean Fermented Vegetable Food – See Health Benefits

3. Bananas


Bananas are full of vitamin A, B1 and C, which help your body produce healthier sperm, as well as increase your sperm productivity. This tropical fruit also contains a rare enzyme called Bromelain. This is a natural anti-inflammatory enzyme which also boosts sperm count and motility.

4.Eggs

Eggs are considered a great option to increase sperm count, as well as improve their motility. High in vitamin E and full of protein, eating eggs protect sperm cells from the free radicals that can decrease your count. These nutrients assist in the production of strong and healthy sperm, which is important to fertility.

5. Asparagus






Another food to increase sperm count is the green vegetable called asparagus. Super high in vitamin C, it has a wide range of positive effects on your sperm. It protects the cells of your testicles and fights free radicals, allowing for greater sperm production of healthy swimmers.

6. Garlic


Garlic is known around the world as a food good for boosting immunity. Among its many properties are vitamin B6 and selenium, both of which play roles in healthy sperm production. Taken by many for its blood cleansing abilities, garlic prevents buildup in arteries and allows for better blood flow to your testicles.

7. Pomegranates


This delicious fruit is known as a powerful food to increase sperm count and improve semen quality. It is full of antioxidants that fight free radicals in the blood stream. Unchecked, they can destroy semen and significantly decrease your sperm count. The juice of pomegranates has been recorded throughout history as being used as a fertility booster.



8. Walnuts


Walnuts are full of omega-3 fatty acids that help boost sperm volume and production by increasing blood flow to the testicles. It is also full of arginine, known to increase semen volume. It contains twice as much antioxidants than another nuts, helping you fight toxins in your blood stream

9. Broccoli


Besides asparagus, another green vegetable full of folic acid is broccoli. Folic acid, also known as vitamin B9, is already known to help women conceive and is now becoming more recognized as important in male fertility. In one study, men taking a daily dose increased their sperm count by as much as 70%.

10. Zinc Rich Foods


Foods rich in zinc include barley, red meat, beans, etc. Zinc plays a vital role in sperm development. The mineral is found in high concentrations in testicles during the production of healthy, strong semen. So important is zinc, deficiencies of the mineral has been blamed for low sperm motility. It is important to note you can have too much zinc so it is imperative to regulate your intake to about 15 mg per day.

Its advisable and very compulsory for all men to eat the listed foods above on daily or weekly basics so as to help boost your sperm count. This has helped in the life of so many men.