Clearline International Health Plan

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Clearline International Limited (HMO)

Clearline International Limited (HMO) is one among the best and first health insurance brokers in Nigeria. It was incorporated in January 1994 and duly registered with National Health Insurance Scheme (NHIS) to underwrite health insurance in Nigeria and have it’s head office is located at 290 Ikorodu Road, Anthony, Lagos and branch offices in Abuja, Gombe, Borno, Kaduna, Kano, Edo, Enugu, Rivers and Oyo State.
Did you know that you can get Clearline International Limited plan for  as low as 25,000 per annum?
Tertiary Institution Social Health Insurance Program

Family/Individual Policy

Corporate Health Insurance Scheme

Click here for Clearline HMO Hospital Directory

Tertiary Institution Social Health Insurance Program

This plan was designed for students and covers all the medical services listed by NHIS with additional benefits: Click to learn about NHIS Policy

Clearline HMO ROBUST corporate health plan offers services including consultations, medications, laboratory investigations, radiology, hospitalization, emergency treatments, gynaecology, physiotherapy, family planning & counselling, emergency out-of-station care, childhood immunisation, blood transfusion services, dental care and surgeries, eye care and surgeries, maternity care (antenatal, natal & post-natal), minor, intermediate and major surgeries, etc. Enrollees under the corporate plan are entitled to a broad range of medical service and can choose hospitals from our network of healthcare providers. See summary of corporate plan benefit package. The corporate Health Insurance Plan is group in 5 different categories namely BRONZE, SILVER, GOLD, GOLD PLUS and PLATINUM PLAN.

See summary benefit package for individual enrollments.

REGISTRATION

Including supply of id cards

CONSULTATION

  • General practitioner
  • Specialist consultation when necessary

SUPPLY OF DRUGS: Prescribed Drugs

NON-INVASIVE CARE AT OPD (BASIC PATIENT CARE): Manipulations, Pop Application, Injections (Skilled Nursing Care and Wound Dressing)

INVASIVE CARE : Incision & Drainages, Medium-Large Abscesses

CATHETERIZATION

FEEDING ON ADMISSION

LABORATORY INVESTIGATIONS

INVESTIGATION FOR INFERTILITY (CONSULTATION, COUNSELLING, USS, SFA, HORMONE PROFILE, LAPAROSCOPY) (Gold, Gold Plus and Platinum plan only).

RADIO DIAGNOSTIC INVESTIGATIONS

ULTRASOUND & IMAGING

PHYSIOTHERAPY (UP TO APPROVED LIMITS)

ACCIDENTS AND EMERGENCIES (48 HOURS)

First Aid, Stabilization, Road Traffic Accidents, Animal Bites and Evacuation from Site to Hospital (By Road)

ANTENATAL + DELIVERY + POST DELIVERY CARE (Caesarean Section Delivery, Cervical Cerclage, Lap/Rupture Repair, Assisted Delivery, Episiotomy)

POST-DELIVERY CARE

Neo Natal Care of Six Weeks for New Born (Excluding Nicu/Scbu) and Post Natal Follow-Up

CHILD WELFARE CLINIC

CIRCUMCISION

EAR PIERCING

SURGERIES

ADMISSION

AMBULANCE

ANNUAL HEALTH CHECKS FOR PRINCIPAL ONLY

INTENSIVE CARE SERVICES (ICU) (Gold, Gold Plus and Platinum plan only)

NICU/SCBU (including incubator care)

EYE CARE

Inter-State Referral Services for Services Not Available in The State

HIV/AIDS TREATMENT

PSYCHIATRIC TREATMENT

DENTAL CARE (Coverage Services according to Plan Type)

FAMILY PLANNING

IUCD (COPPER T)

PILLS

INJECTABLES

IMPLANT (Gold Plus and Platinum plan only),

IUCD (MIRENA COIL) (Platinum plan only)

IUCD (LIPPES LOOP) (Gold, Gold Plus and Platinum plan only).

IMMUNIZATIONS – (0 – 5 YEARS)

BCG, Measles, Oral Polio, Vitamin A, Pentavalent (DPT,HIB,HEP-B), Yellow Fever,

MMR, Rotavirus, Pneumococcal Conjugate (Gold, Gold Plus and Platinum plan only)

Chicken Pox (Gold Plus and Platinum plan only)

Family/Individual Policy

The Family and Individual health policy entitles enrollees to 3 carefully designed health plans that provide increasing levels of care that covers a wide range of typical ailments and procedures; while also providing preventive healthcare services. This scheme is ideal for individuals who are self-employed but need a proper medical cover for healthy living. See benefit package for individual enrolments.

SUPERB HEALTH BENEFITS PACKAGE @ N25,000 PER HEAD PER ANNUM

Benefit Package Summary

Pre-existing conditions will NOT be covered in the FIRST POLICY YEAR. Hospital Inpatient Services For Covered Services Hospital admission Limit (Max limit of 20 days/Policy Year)

  • Room and board (semi- private)
  • Prescribed diets
  • Services of a dietician
  • Skilled nursing
  • Isolation ward
  • A bed in an emergency room and observation room/area
  • Use of operating, delivery, cast, and treatment rooms and equipment
  • Prescribed drugs administered while on admission
  • Medical and surgical dressings, supplies
  • Administration of oxygen (emergency only for first 48 hours)
  • Diagnostic laboratory and medical imaging services
  •  Hormonal Methods viz. oral and injectable contraceptives, implants
  •  Non-hormonal Methods viz. barrier methods ((condoms, diaphragms, cervical caps), intra-uterine devices (IUDs), vasectomy, tubal ligation
  •  Outpatient Psychiatric Care Services
  •  Inpatient Psychiatric Care Services excluding convulsive therapy treatment
  •  Basic Dentistry viz. extraction of teeth and roots, fillings (amalgam and composite-max of 2 per visit), scaling and polishing (therapeutic and preventive), X-rays
  • In-country emergency medical services
  •  Administration of Oxygen
  •  Annual Medical Check Up(Limited to BP check, BMI, RBS, Urinalysis)
  •  Vaccines such as BCG, Measles, DPT, Oral Polio, Vitamin A supplementation, Hepatitis B, HiB, Pneumoccal vaccine
  •  Diagnosis, Counselling and Treatment of opportunistic infections
  •  Normal Pregnancy
  •  Prenatal care
  • Spontaneous vaginal delivery
  • Assisted vaginal delivery
  • Caesarean section delivery
  • Postnatal care
  • Puerperal infection
  • False labor
  •  Occasional spotting
  • Physician-prescribed inpatient bed rest during pregnancy
  • Morning sickness
  •  Hyperemesis gravidarum
  •  Preeclampsia
  •  Termination of pregnancy for life- endangering conditions
  •  Room and board, prescribed diets, the services of a dietician, and skilled nursing in connection with childbirth for the mother or newborn child a vaginal delivery or a cesarean section delivery
  •  Ophthalmology viz. primary care limited to pain relief and treatment of simple eye infection

Patient Education

  • Prenatal classes
  •  Diabetes classes
  •  Asthma classes
  •  Hypertension classes

Physician Services

  •  General outpatient/inpatient consultation
  •  Specialist outpatient/inpatient consultation
  •  Electrocardiography
  • Diagnostic Medical Imaging
    • Basic X-rays
    • Contrast Studies
    • Diagnostic Ultrasound
    • CT Scan

Diagnostic Laboratory Tests

  •  Hematology
  •  Serology
  •  Blood Chemistry
  • Urinalysis
  • Creatinine Clearance
  • Stool Occult Blood
  • Seminal Fluid analysis
  • Microbiology
  •  Generic
  •  Branded
  •  Surgical supplies normally required for covered surgical procedures
  •  Anesthesia normally required for covered surgical procedures
  •  Administration of blood and blood products
  •  Second and Third Surgical Opinions
  •  Minor Surgeries
  •  Intermediate Surgeries (Uncomplicated)
  •  Major surgeries

CLEARLINE INDIVIDUAL SILVER PLAN @ N50,000 PER HEAD PER ANNUM

Benefit Package Summary

Pre-existing conditions will NOT be covered in the FIRST POLICY YEAR. Hospital Inpatient Services For Covered Services Hospital admission Limit (Max limit of 30 days/Policy Year)

  • Room and board (semi- private)
  • Prescribed diets
  • Services of a dietician
  • Skilled nursing
  • Isolation ward
  • A bed in an emergency room and observation room/area
  • Use of operating, delivery, cast, and treatment rooms and equipment
  • Prescribed drugs administered while on admission
  • Medical and surgical dressings, supplies
  • Administration of oxygen (emergency only for first 24 hours)
  • Diagnostic laboratory and medical imaging services
  • Hormonal Methods viz. oral and injectable contraceptives, implants
  • Non-hormonal Methods  viz. barrier methods (condoms, diaphragms,cervical caps), intra-uterine devices (IUDs),  vasectomy, tubal ligation
  • Emergency psychiatric care up to 48hrs.

Basic Dentistry viz. extraction of teeth and roots, fillings (amalgam and composite-max of 2 per visit), scaling and polishing (therapeutic and preventive), X-rays, pain relief.

  • Fast blood sugar & Random blood sugar ( only in the hospital)
  • Provision of oral diabetic drugs
  • Acute renal disease involving dialysis up to 2 sessions. Chronic renal disease is not covered.
  • Prenatal classes
  • Diabetes  classes
  • Asthma classes
  • Hypertension classes
  • General outpatient/inpatient consultation
  • Specialist outpatient/inpatient consultation
  • Electrocardiography
  • Diagnostic Medical Imaging
    • Basic X-rays
    • Contrast Studies
    • Diagnostic Ultrasound
    • CT Scan
  • Hematology
  • Serology
  • Blood Chemistry
  • Urinalysis
  • Urea Clearance
  • Creatinine Clearance
  • Stool Occult Blood
  • Seminal Fluid analysis
  • Microbiology
  • Generic
  • Physical Therapy up to 5 sessions.
  • Surgical supplies normally required for covered surgical procedures
  • Anesthesia normally required for covered surgical procedures
  • Administration of blood and blood products
  • Second and Third Surgical Opinions
  • Minor Surgeries
  • Intermediate Surgeries (Uncomplicated)
  • Major surgeries

CLEARLINE INDIVIDUAL GOLD PLAN @ N75,000 PER HEAD PER ANNUM

Benefit Package Summary

Pre-existing conditions will NOT be covered in the FIRST POLICY YEAR. Hospital Inpatient Services For Covered Services Hospital admission Limit (Max limit of 30 days/Policy Year)

  • Room and board (semi- private)
  • Prescribed diets
  • Services of a dietician
  • Skilled nursing
  • A bed in an emergency room and observation room/area
  • Use of operating, delivery, cast, and treatment rooms and equipment
  • Prescribed drugs administered while on admission
  • Medical and surgical dressings, supplies
  • Administration of oxygen (emergency only for first 48 hours)
  • Hormonal Methods viz. oral and injectable contraceptives, implants
  • Non-hormonal Methods  viz. barrier methods (condoms, diaphragms,cervical caps), intra-uterine devices (IUDs),  vasectomy, tubal ligation
  • Outpatient Psychiatric Care Services
  • Inpatient Psychiatric Care Services excluding convulsive therapy treatment
  • Basic Dentistry viz. extraction of teeth and roots, fillings (amalgam and composite-max of 2 per visit), scaling and polishing (therapeutic and preventive), X-rays
  • Blood glucose monitors.
  • Test strips for glucose monitors.
  • Insulin preparations, insulin pens and insulin cartridges

In-country emergency medical services

  • Hospital to hospital, hospital to home
  • Emergency room stabilization
  • Intensive care up to first 48hrs
  • Annual Medical Check Up(Limited to BP check, BMI, RBS, Urinalysis)
  • Vaccines such as BCG, Measles, DPT, Oral Polio, Vitamin A supplementation, Hepatitis B, HiB, Pneumoccal vaccine
  • Diagnosis and counselling
  • Normal Pregnancy
  • Prenatal care
  • Spontaneous vaginal delivery
  •  Assisted vaginal delivery
  • Caesarean section delivery
  • Postnatal care
  • Puerperal infection
  • False labor
  • Occasional spotting
  • Physician-prescribed inpatient bed rest during pregnancy
  • Morning sickness
  •  Hyperemesis gravidarum
  • Preeclampsia
  • Termination of pregnancy for life- endangering conditions
  • Room and board, prescribed diets, the services of a dietician, and skilled nursing in connection with childbirth for the mother or newborn child a vaginal delivery or a cesarean section delivery
  • Ophthalmology viz. primary care limited to pain relief and treatment of simple eye infection
  • Optical supplies viz. unifocal, bifocal, varifoal, optical frames (once in 2 years)
  • Prenatal classes
  • Diabetes  classes
  • Asthma classes
  • Hypertension classes
  • General outpatient/inpatient consultation
  • Specialist outpatient/inpatient consultation
  • Electrocardiography
  • Diagnostic Medical Imaging
    • Basic X-rays
    • Contrast Studies
    • Diagnostic Ultrasound
    • CT Scan
  • Hematology
  • Serology
  • Blood Chemistry
  • Urinalysis
  • Urea Clearance
  • Creatinine
  • Clearance
  • Stool Occult Blood
  • Seminal Fluid analysis
  • Microbiology
  • Generic
  • Branded

Rehabilitation Services (Outpatient Short Term Therapy)

  • Physical Therapy up to 10 sessions.; Supply of basic physiotherapeutic appliances i.e. Crutches

Surgical Services(Max limit of N200,000/life)

  • Surgical supplies normally required for covered surgical procedures
  • Anesthesia normally required for covered surgical procedures
  • Administration of blood and blood products
  • Second and Third Surgical Opinions
  • Minor Surgeries
  • Intermediate Surgeries (Uncomplicated)
  • Major surgeries

 

ADDITIONAL SERVICES THAT CAN BE PROVIDED WITH PAYMENT OF ADDITIONAL PREMIUM INCLUDES: LIFE & PERMANENT DISABILITY COMPENSATION AND INTERNATIONAL HEALTH COVER

EXCLUSIONS:

(UNLESS OTHERWISE SPECIFICALLY STATED, THE FOLLOWING ARE EXCLUDED FROM THE BENEFIT PACKAGE)

Transplant surgery

Plastic/cosmetic surgeries

Virility enhancing drugs

Home care and domiciliary services

Joint replacements and prosthetic limbs

Congenital abnormalities

Self-inflicted injuries

Treatment of obesity

Speech disorders

Thyroid disorders

Neurosurgical disorders

Burns greater than 9%

Hormonal replacement therapy

All other services or procedures not expressly stated in the benefit package are excluded

Pre-existing Conditions

Pre-existing conditions are conditions that have existed, been diagnosed or treated by a provider at any time prior to commencement of this health insurance policy for which continuous treatment or management is required.

Waiting Period

This is a period of time that must elapse before coverage can become effective for specified conditions and procedures included in the health benefits package as defined by the HMO. (Kindly refer to Clearline for a list of pre-existing conditions).

Incidences that occur during this period are NOT CLAIMABLE by the enrollee.

Waiting period for all new clients enrolling with pre-existing conditions is ONE YEAR effective from commencement of the policy year. PREGNANCIES will not be covered in the FIRST Policy year for ALL enrollees.

Exclusion

The following are excluded from all plans: –

  1. Transplant surgery
  2. Plastic/cosmetic surgeries
  3. Other   investigations   and   treatment   for   problems   relating   to   infertility, e.g hydrotubation, hysterosalpingogram, I.V.F, G.I.F.T and artificial insemination
  4. Virility enhancing drugs
  5. Herbal drugs, non-prescription drugs, food supplements and experimental drugs and treatment
  6. Dental care not listed in the covered services
  7. Home care and domiciliary services
  8. Joint replacements and prosthetic limbs
  9. Comprehensive health screening/well persons check outside the scope of the benefits covered by the selective health screening
  10. Treatment for newborns not registered on the plan after 6 weeks of birth.
  11. Congenital abnormalities
  12. Neonatal care not listed under neonatal services
  13. Self-inflicted injuries
  14. Treatment of obesity
  15. Speech disorders
  16. Learning difficulties, behavioral and developmental problems
  17. Consultations with unrecognized    consultants, hospitals, family doctors, therapists, dental practitioners or complementary medicines practitioners
  18. Any other treatment, service, procedure or investigation not listed in the schedule of covered medical services.

Request a Quote:

Send email to contact@oshobaba.com

Whatsapp: +2348078766666


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