Redcare HMO

Redcare HMO: Overview of Individual and Corporate Health Plans

Since the establishment of the National Health Insurance Scheme in Nigeria, Redcare HMO (Health Maintenance Organization) commenced operations in 2009, aiming to provide affordable healthcare solutions to Nigerians.

Their services cater to individuals, corporations, families, and parastatals, offering access to a network of over 600 hospitals across Nigeria.

In this article, we’ll examine their private and corporate healthcare plans.

Individual Plans

Tailored for individuals and families, Redcare HMO offers six different coverage options, including:

1. Red Edge (Most affordable)
2. Red Delight
3. Red Delight Plus
4. GoldPlus
5. Platinum
6. Diamond (Least affordable)

Regardless of the plan chosen (from Red Edge to Diamond), coverage typically includes:

1. Out-Patient treatment
2. Admissions/Inpatient Care
3. Radiological and Laboratory Investigations
4. Physiotherapy
5. Prescribed Medicines And Drugs
6. NPI Immunizations
7. Minor Surgeries And Procedures
8. Chronic ailments
9. Eye Care
10. Neonatal Services
11. Preventive Services
12. HIV/AIDS diagnosis and treatment at free specialist centres

While some services are exclusive to the Diamond Plan (least affordable), such as The Reddington Hospital usage and comprehensive medical checkups, the basic Red Edge plan still offers extensive coverage.

Corporate Plans

Designed for employed individuals, the corporate plan offers added benefits that employers can provide their employees. Premiums are more affordable as they are purchased in a group.

Under the corporate plan, coverages offered include:

1. Silver (most affordable)
2. Ruby
3. Gold
4. Platinum
5. Diamond (least affordable)

Regardless of the chosen plan (from Silver to Diamond), coverage typically includes:

1. General Outpatient Consultations
2. Specialist Consultations
3. Admissions and Accommodation
4. Physiotherapy
5. Laboratory and Diagnostic Tests
6. Accidents & Emergencies
7. Prescribed Medicines and Drugs
8. Ante-Natal Care and Delivery
9. Chronic Ailments and Drug refills
10. Preventive Services
11. HIV/AIDS Care
12. Cancer care
13. Dental and Eye Care
14. Ambulance Service
15. Kidney Dialysis

Exclusions from the Silver plan include certain surgeries, spa services, advanced investigations, and major surgeries.

See 5 Things To Consider Before Choosing HMO Provider

Conclusion

Redcare HMO offers comprehensive health coverage, including preventive measures such as gym and spa services, ensuring affordable access to healthcare services. For further information about Redcare HMO, please contact an agent via the provided link.

See also: Axa Mansard HMO Plans