SUNU Health is in the fore front of healthcare penetration to retail sector of Nigerian economy, targeting individuals and informal businesses. We promote Evidence Based Medicine, life style management and preventive healthcare. Take advantage of our wellness programme and access quality health care at the most cost effective rate.

TERMS AND CONDITIONS

• Family = Primary beneficiary, Spouse and up to 4 biological children below 18 years of All family members must be on the same plan.
• Commencement Date: A 30 days waiting Period
• Annual Medical Screening = Physical Examination and
• All Maternity Benefits: A 12 months’ waiting period applies
• Pre-existing and Chronic Conditions: A 24 months’ waiting period
• Premiums - All premiums are pre-paid,
• Pre-authorization - All services and procedures require pre-authorization before accessing care.
• 10-10 give-back promo - A group of 10 families (Cumulative amount paid as premium) would qualify for a 10% discount
• Chronic disease related surgeries are not covered (Excluded)
• Blood transfusion is limited to 2 transfusions only. 

EXCLUSIONS

Exclusions are services not covered on a particular health plan which are as listed hereunder but not limited to the following;

• Treatment outside scope of health benefit package
• Frames (unless otherwise specified in the benefit package)
• Orthodontics, Prosthesis and artificial limbs
• Cancer treatment
• Pre-term and Congenital malformation treatment
• Treatment of HIV/AIDS and other chronic viral diseases (treatment at special government centers)
• Renal dialysis
• Heamo and Peritoneal dialysis
• Advanced imaging techniques (unless otherwise specified in the benefit package)
• Self-induced/inflicted injuries
• Injuries as a result of war or civil disorder
• Illness as a result of hard drug use including alcoholism
• Pre-existing injuries and disease conditions unless declared at onset of plan and defined as a chronic condition(which is not covered within 24 initial months).
• Home Care/ Domiciliary care
• Embalmment and autopsies
• Treatment of newborns not registered on the plan
• Incubator care/ Special baby unit care
• Learning difficulties, behavioral, Speech and developmental problems
• Autoimmune disorders
• Treatment of obesity
• Any treatment or procedure that is required as a follow-up to any of the listed excluded services
• Infertility-investigations and treatment (unless otherwise specified in the benefit package)
• Psychiatric Illness
• Plastic/cosmetic surgery
• Herbal drugs, non-prescription drugs, food supplements, experimental drugs and treatment
• Dental surgery, dentures, root canal and other dental services outside our scope of dental cover
• All eye surgical procedures
• Major surgeries and Complex Major surgeries g neurosurgery, organ transplant, heart by-pass
• Chronic disease related