Customized Coverage

Tailored healthcare solutions for individuals, families, and corporate clients — pick what you need and avoid paying for what you don’t.

Key Features

Personalized Coverage

  1. Choose benefits based on age, health risks, and lifestyle.
  2. Families can select coverage for each member individually.
  3. Corporate plans tailored to employee health needs.

Flexible Plan Options

  1. Maternity and newborn coverage if required.
  2. Chronic disease management options.
  3. Dental, vision, wellness, and mental health services.

OUR PLANS

Classic Plan
Reliable

Classic Plan

Basic hospitalization coverage and consultations

Suitable for individuals and small families

Covered Services Description / Limit
Medical Emergency Services24 hours
General + Specialist Consult✔️
Inpatient Medical ServicesGeneral Ward
Admission12 days
Surgical Limit( individual Plan )140,000
Surgical Limit( Family Plan )350,000
Optical Lens Limit ( biennial )15,000
Eye Sugery Limit ( Individual Plan )140,000
Eye Sugery Limit ( Family Plan )350,000
Amalgam Filling2
Scaling and Polishing1
Surgical Extraction2
CT scan and MRI - Co-payment(%)50
Echocardiography(%)50
Electrocardiography(%)50
Doppler Scan(%)50
Physiotheraphy( number of session )5
Annual Medical Examination-Percentage Co-Payment on Investigation(%)50
Chronic Disease Management100,000
Silver Plan
Balanced

Silver Plan

Hospitalization, minor surgeries, diagnostics

Ideal for families seeking balanced coverage

Covered Services Description / Limit
Medical Emergency Services24 hours
General + Specialist Consult✔️
Inpatient Medical ServicesSemi-Private Ward
Admission15 days
HBV/HCV✔️
H.PYLORI✔️
COOMB`S Test✔️
BLOOD CULTURE✔️
PERIPHERIAL BLOOD FILM✔️
CLOTING PROFILE✔️
ICU/SCBU (1ST 24HRS AND MONETARY LIMIT 50,000)✔️
MAJOR PROCEDURES✔️
SURGICAL LIMIT - INDIVIDUAL PLAN220,000
SURGICAL LIMIT - FAMILY PLAN700,000
OPTICAL LENS LIMIT (BIENNIAL) 20,000
EYE SURGERIES LIMIT - INDIVIDUAL PLAN220,000
EYE SURGERIES LIMIT - FAMILY PLAN700,000
AMALGAM FILLING4
SCALING AND POLISHING 1
RCT1
SURGICAL EXTRACTION4
CT SCAN & MRI - COPAYMENT(%)45
ECHOCARDIOGRAPHY (%)45
ELECTROCARDIOGRAPHY (%)45
DOPPLER SCAN (%)45
PHYSIOTHERAPHY - (NUMBER OF SESSION)8
SPECIALIST CONSULTATION✔️
CANCER SCREENING ONLY INCLUDING PSA & MMG1
ANNUAL MEDICAL EXAMINATION - PERCENTAGE COPAYMENT ON INVESTIGATION(%)45
RENAL DIALYSIS (MONETARY LIMIT OF 30,000)2
INFERTILITY CONSULTATION, INVESTIGATION AND NON-HORMONAL DRUG MANAGEMENT✔️
CHRONIC DISEASE MANAGEMENT200,000
Gold Plan
Premium

Gold Plan

Comprehensive coverage for hospitalization.

Maximum protection for you and your family

Covered Services Description / Limit
Medical Emergency Services48 hours
GENERAL + SPECIALIST CONSULTATION ✔️
INPATIENT MEDICAL SERVICESPrivate Ward
ADMISSION21 days
BLOOD TRANSFUION ✔️
HBV / HCV✔️
H. PYLORI✔️
COOMB’S TEST✔️
BLOOD CULTURE✔️
PERIPHERIAL BLOOD FILM✔️
CLOTING PROFILE✔️
ICU/SCBU (1ST 24HRS AND MONETARY LIMIT 50,000)✔️
MAJOR PROCEDURES✔️
SURGICAL LIMIT - INDIVIDUAL PLAN440,000
SURGICAL LIMIT - FAMILY PLAN1,000,000
OPTICAL LENS LIMIT (BIENNIAL) 30,000
EYE SURGERIES LIMIT - INDIVIDUAL PLAN440,000
EYE SURGERIES LIMIT - FAMILY PLAN1,000,000
AMALGAM FILLING6
SCALING AND POLISHING 2
DENTURE AND BRIDGES1
RCT2
SURGICAL EXTRACTION6
CT SCAN & MRI - COPAYMENT(%)35
ECHOCARDIOGRAPHY (%)35
ELECTROCARDIOGRAPHY (%)35
DOPPLER SCAN (%)35
PHYSIOTHERAPHY - (NUMBER OF SESSION)10
SPECIALIST CONSULTATION✔️
CANCER SCREENING ONLY INCLUDING PSA & MMG2
SURGICAL TREATMENT OF CANCER (SUBJECT TO GLOBAL LIMIT)✔️
ANNUAL MEDICAL EXAMINATION - PERCENTAGE COPAYMENT ON INVESTIGATION(%)35
RENAL DIALYSIS (MONETARY LIMIT OF 30,000)6
INFERTILITY CONSULTATION, INVESTIGATION AND NON-HORMONAL DRUG MANAGEMENT✔️
CHRONIC DISEASE MANAGEMENT300,000
Gold+ Plan
Ultimate

Gold+ Plan

VIP Coverage


Ideal for executives and corporate clients

Covered Services Description / Limit
Medical Emergency Services72 hours
GENERAL + SPECIALIST CONSULTATION ✔️
INPATIENT MEDICAL SERVICESPrivate Ward
ADMISSION21 days
BLOOD TRANSFUION ✔️
HBV / HCV✔️
H. PYLORI✔️
COOMB’S TEST✔️
BLOOD CULTURE✔️
PERIPHERIAL BLOOD FILM✔️
CLOTING PROFILE✔️
ICU/SCBU (1ST 24HRS AND MONETARY LIMIT 50,000)✔️
MAJOR PROCEDURES✔️
SURGICAL LIMIT - INDIVIDUAL PLAN550,000
SURGICAL LIMIT - FAMILY PLAN1,500,000
OPTICAL LENS LIMIT (BIENNIAL) 50,000
EYE SURGERIES LIMIT - INDIVIDUAL PLAN550,000
EYE SURGERIES LIMIT - FAMILY PLAN1,500,000
AMALGAM FILLING8
SCALING AND POLISHING 2
DENTURE AND BRIDGES1
RCT4
SURGICAL EXTRACTION8
CT SCAN & MRI - COPAYMENT(%)less than 35
ECHOCARDIOGRAPHY (%)less than 35
ELECTROCARDIOGRAPHY (%)less than 35
DOPPLER SCAN (%)less than 35
PHYSIOTHERAPHY - (NUMBER OF SESSION)20
SPECIALIST CONSULTATION✔️
CANCER SCREENING ONLY INCLUDING PSA & MMG4
SURGICAL TREATMENT OF CANCER (SUBJECT TO GLOBAL LIMIT)✔️
ANNUAL MEDICAL EXAMINATION - PERCENTAGE COPAYMENT ON INVESTIGATION(%)15
RENAL DIALYSIS (MONETARY LIMIT OF 30,000)8
INFERTILITY CONSULTATION, INVESTIGATION AND NON-HORMONAL DRUG MANAGEMENT✔️
CHRONIC DISEASE MANAGEMENTabove 300,000
INTERNATIONAL HEALTH INSURANCE✔️
GPA (GROUP PERSONAL ACCIDENT)✔️
TRAVEL INSURANCE✔️
GYM MEMBERSHIP✔️
HIGH END HOSPITALS✔️
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Why Trust Songhai HMO

25 Years of Excellence

A legacy of reliability, care, and healthcare innovation.

Nationwide Presence

Healthcare coverage across Nigeria, including rural and urban areas.

Secure & Reliable

Your medical and personal information is handled with strict confidentiality.

Trusted by Employers

Chosen by businesses to protect their workforce nationwide.