U-HEALTH MEDIGUARD

Benefit Packages	Category	U-HEALTH MEDIGUARD
General Consultations	Out Patient Services	Covered
Specialist Consultation: Pediatrician, Gynecologists & Obstetrician	Out Patient Services	Covered
Rare Specialist Consultation, Orthopedic Surgeon, General surgeon, ENT surgeon , Psychiatrist.	Out Patient Services	Covered (5 times/year)
General Consultations	In Patient Services	Covered
Specialist Consultation: Pediatrician, Gynecologists & Obstetrician	In Patient Services	Covered
Rare Specialist Consultation, Orthopedic Surgeon, General surgeon, ENT surgeon , Psychiatrist.	In Patient Services	Covered (5 times/year)
Admission	In Patient Services	Covered (General Ward 15 days )
Feeding	In Patient Services	Covered
Nursing Care	In Patient Services	Covered
Oxygen Administration	In Patient Services	Covered (72 hours)
Blood Transfusion	In Patient Services	Covered (3 pints/year)
Prescribed medications and consumables	In Patient Services	Covered
Ambulance Services: Hospital to Hospital  Roadside to Hospital	Emergency and evacuation services	Covered
Emergency Room Stabilization	Emergency and evacuation services	Covered
Intensive Care Unit (ICU) Services	Emergency and evacuation services	Not Covered
Haemoglobin	Haematology / Investigations	Covered
RBC, PCV, WBC	Haematology / Investigations	Covered
Platelets, Malaria, FBC	Haematology / Investigations	Covered
ESR, Reticulocyte, Bleeding time	Haematology / Investigations	Covered
Clotting time, Prothrombin time	Haematology / Investigations	Covered
Blood grouping(ABO, RH)	Haematology / Investigations	Covered
HB Genotype, Cross match	Haematology / Investigations	Covered
Full Electrolytes-(a-d) a) Sodium b) Potassium c) Chloride d) Bicarbonate	Blood Chemistry / Investigations	Covered
Calcium , Phosphate	Blood Chemistry / Investigations	Covered
Urea , Creatinine	Blood Chemistry / Investigations	Covered
Random Blood Sugar, Fasting blood Sugar	Blood Chemistry / Investigations	Covered
Liver Function Tests-(a-b) a) Total Bilirubin b) Direct Bilirubin	Blood Chemistry / Investigations	Covered
Liver Function Tests-(c-e) c) Alkaline Phosphatase d) Alanine Aminotransferase (SGPT) e)Aspartate Aminotransferase (SGOT)	Blood Chemistry / Investigations	Not Covered
Cholesterol, Triglyceride ,Urinalysis	Blood Chemistry / Investigations	Covered
Lipid profile	Blood Chemistry / Investigations	Not Covered
Hr Post Prandial Blood Sugar	Blood Chemistry / Investigations	Covered
Oral Glucose Tolerence Test ( GTT)	Blood Chemistry / Investigations	Covered
Uric Acid	Blood Chemistry / Investigations	Covered
Glycocylated Heamoglobin	Blood Chemistry / Investigations	Not Covered
Calcium	Blood Chemistry / Investigations	Covered
Hormonal Profiles (A –F ) a) Follicle Stimulating Hormone ( FSH) b) Luteinizing Hormone (LH) c) Prolactin d) Progesterone e) Testosterone	Blood Chemistry / Investigations	Covered
Creatinine_clearance	Blood Chemistry / Investigations	Covered
Creatinine_clearance	Blood Chemistry / Investigations	Covered
Molar Pregnancy (HCG-B )	Blood Chemistry / Investigations	Covered
Thyroid Screening (a-c) a) Triiodothyronine (T3) b) Thyroxine (T4) c) Thyroid Stimulating Hormones(TSH)	Blood Chemistry / Investigations	Not Covered
URINE a) Microscopy b) Urinalysis c) Culture & Sensitivity	Blood Chemistry / Investigations	Covered
STOOL a) Microscopy R/E b) Culture & Sensitivity c) Occult Blood-Fecal	Blood Chemistry / Investigations	Covered
BLOOD a) Culture & Sensitivity d) Trypanosomes	Blood Chemistry / Investigations	Not Covered
SEMINAL FLUID a) Analysis b) Culture & Sensitivity	Blood Chemistry / Investigations	Covered (Once a year)
SPUTUM a) Z.N stain for AFB b)Culture & Sensitivity	Blood Chemistry / Investigations	Covered (Once a year)
C.S.F a) Microscopy & Count b) Gram Stain c) Culture & Sensitivity	Blood Chemistry / Investigations	Covered
SWABS-: PUS, Wound, Throat, Eye, Ear, Urethral, Aspirates, HVS, Endo-cervical e.t.c. a) Microscopy b) Culture & Sensitivity	Blood Chemistry / Investigations	Covered
SKIN: a) Snip (microfilaria) b) Microscopy (KOH mount) c) Heaf’s/ Mantoux test	Blood Chemistry / Investigations	Covered
SKIN: Scraping For Fungal Element (culture)	Blood Chemistry / Investigations	Not Covered
OTHER SEROLOGICAL TESTS
Widal Test	Blood Chemistry / Investigations	Covered
VDRL	Blood Chemistry / Investigations	Covered
Rheumatiod Factor	Blood Chemistry / Investigations	Not Covered
Anti-Streptolysin O Titre (ASO Titre)	Blood Chemistry / Investigations	Not Covered
Hepatitis B Surface Antigen (HbsAg)	Blood Chemistry / Investigations	Covered
Hepatitis Confirmatory Test (Core Antigen)	Blood Chemistry / Investigations	Not Covered
HIV Screening	Blood Chemistry / Investigations	Covered
HIV Confirmatory Test	Blood Chemistry / Investigations	Covered
AIDS Screening:	Blood Chemistry / Investigations	Covered
a) CD4 Count b) b) Viral load	Blood Chemistry / Investigations	Not Covered
Hepatitis C Antigen (HbcAg)	Blood Chemistry / Investigations	Covered
Serum Tuberculosis Antigen	Blood Chemistry / Investigations	Not Covered
Chlamydia Antigen	Blood Chemistry / Investigations	Covered
Herpes Simplex 1 & 11 Antigen	Blood Chemistry / Investigations	Not Covered
Toxoplasma Gondii	Blood Chemistry / Investigations	Not Covered
Rubella	Blood Chemistry / Investigations	Not Covered
Helicobacter Pylori	Blood Chemistry / Investigations	Covered
HISTOLOGY/CYTOLOGY
Tissue Biopsy	Blood Chemistry / Investigations	Covered
Lymph Nodes Biopsy	Blood Chemistry / Investigations	Covered
Pap Smear	Blood Chemistry / Investigations	Not Covered
Fine Needle Aspiration	Blood Chemistry / Investigations	Not Covered
XRAYS
Upper limb	Blood Chemistry / Investigations	Covered
Lower limb	Blood Chemistry / Investigations	Covered
Pelvic	Blood Chemistry / Investigations	Covered
Chest Xray	Blood Chemistry / Investigations	Covered
Cervical Spine	Blood Chemistry / Investigations	Covered
Thoracic Spine	Blood Chemistry / Investigations	Covered
Thoraco Lumber Spine	Blood Chemistry / Investigations	Covered
Lumbar Spine	Blood Chemistry / Investigations	Covered
Lumbo Sacral Spine	Blood Chemistry / Investigations	Covered
Abdomen	Blood Chemistry / Investigations	Covered
Skull	Blood Chemistry / Investigations	Not Covered
ULTRASOUND SCANS
Obstetric Scan	Blood Chemistry / Investigations	Covered
Abdominal Scan	Blood Chemistry / Investigations	Covered
Pelvic Scan	Blood Chemistry / Investigations	Covered
Breast Scan	Blood Chemistry / Investigations	Not Covered
Bladder Scan	Blood Chemistry / Investigations	Covered
AbdominoPelvic Scan	Blood Chemistry / Investigations	Covered
Prostate Scan	Blood Chemistry / Investigations	Covered
Neck/Thyroid Scan	Blood Chemistry / Investigations	Not Covered
Testes/Scrotal Scan	Blood Chemistry / Investigations	Not Covered
Ovulometry/TV Scan	Blood Chemistry / Investigations	Not Covered
ECG	Blood Chemistry / Investigations	Not Covered
EEG	Blood Chemistry / Investigations	Not Covered
CT Scan	Blood Chemistry / Investigations	Not Covered
MRI Scan	Blood Chemistry / Investigations	Not Covered
MATERNITY SERVICES
Antenatal Care (ANC)	Blood Chemistry / Investigations	Not Covered
Normal Delivery	Blood Chemistry / Investigations	Not Covered
Assisted (Forceps) Delivery	Blood Chemistry / Investigations	Not Covered
Assisted (Forceps) Delivery	Blood Chemistry / Investigations	Not Covered
Caesarean Section	Blood Chemistry / Investigations	Not Covered
Anti – D Rogan injection	Blood Chemistry / Investigations	Not Covered
Post Natal Care for New Born Babies	Blood Chemistry / Investigations	Not Covered
Gynaecology Care Investigations
Hormonal assay Prolactin, FSH, LH, T3, T4, Oestrogen, Progesterone	Blood Chemistry / Investigations	Not Covered
Investigation of infertility HSG & SFA	Blood Chemistry / Investigations	Not Covered
PAEDIATRICS
Incubator Care	Blood Chemistry / Investigations	Not Covered
Child Welfare	Blood Chemistry / Investigations	Not Covered
Exchange Blood Transfusion	Blood Chemistry / Investigations	Not Covered
Immunization (National Programme On Immunization) BCG Measles Yellow Fever Oral Polio Hepatitis Penta	Blood Chemistry / Investigations	Not Covered
Secondary Immunization Pneumovax Rotavirus MMR Meningococcal meningitis	Blood Chemistry / Investigations	Not Covered
DENTAL CARE		Financial LIMIT : N20,000
Consultation		Covered
Primary Dental Care		Covered
Simple Extractions		Covered
Surgical Extractions		Covered
Scaling & Polishing		Covered
Amalgam Filling		Covered
Composite Filling		Covered
Root Canal Treatment (RCT)		Covered
Dental X-ray		Covered
OPTICAL CARE		Financial LIMIT : N20,000
Consultation		Covered
Examination		Covered
Refraction		Covered
Tonometry		Covered
Provision of Eye Glasses		Covered
OPHTHALMOLOGY CARE
Consultation		Covered
Conservative Eye Treatment		Covered
EYE SURGERIES & PROCEDURES		Financial LIMIT : N60,000
Pterigium excision		Covered
Corneal laceration repair		Covered
Squint surgery		Covered
Glaucoma surgery		Covered
Cataract surgery		Covered
Trabeculectomy		Covered
GENERAL SURGERIES
Minor Surgeries		Covered
Intermediate Surgeries		MAXIMUM LIMIT N150,000
Major Surgeries		Not Covered
PHYSIOTHERAPY SERVICES		10 Sessions/year
HEALTH EDUCATION COUNSELING INCLUDING ANNUAL MEDICAL CHECK UPS
Health Talks and Preventive Health Tips on Preferred Topics		Not Covered
Family Planning		Oral Injectables
HIV/AID Voluntary Counselling		Covered
Annual Comprehensive Medical Check up Female
Full physical examination Full blood count Blood sugar analysis Urinalysis Urea Electrolytes Creatinine Chest x – ray Lipid profile Breast examination (mammogram if indicated) ECG check for women above 35 years Pap Smear for women above 35 years		Not Covered
Annual Comprehensive Medical Check up Male
Full physical examination to include prostate examination Full blood count Blood sugar analysis Urinalysis Urea Electrolytes Creatinine Chest x – ray Prostate screening for males above 50 years ECG check for individuals above 35 years . Lipid profile		Not Covered
PSYCHIATRIC CARE		CONSULTATION ONLY

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