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At A Glance

AIICO Multishield Nigeria Limited is one of Nigeria's most established health insurance providers, offering a tiered range of individual plans from entry-level emergency cover to comprehensive private ward access. All plans are backed by AIICO's decades-long presence in the Nigerian insurance market and regulated by NAICOM.

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Claims & Support

Making a health claim with AIICO Multishield is straightforward. Present your enrollee ID card at any accredited facility within the AIICO network, and the provider will verify your cover directly with the HMO before treatment begins. For emergencies outside your registered facility, stabilization is covered and you should notify AIICO as soon as possible after the event.

How to Make a Claim

Present your AIICO Multishield ID card at an accredited facility before receiving treatment
For specialist care, obtain a referral from your primary care provider within the network
In the event of an emergency, proceed to the nearest hospital for stabilization and notify AIICO within 24 hours
For reimbursement claims, submit original receipts, a completed claim form, and your policy details to AIICO within 30 days of the event
Contact AIICO customer support via the details on your policy document for queries or pre-authorisation of major procedures

AIICO Plans

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1.

Standard Plan (₦64,680 per annum) : The Standard Plan covers essential healthcare needs including emergency medical services up to ₦100,000, hospital-to-hospital emergency stabilization, preventive health education, and treatment for major disease categories including minor and intermediate surgeries. Chronic care consultation is included. The annual limit of liability per insured is ₦350,000, making this a solid entry point for individuals seeking basic but regulated health cover.
2.

Executive Plan (₦109,610 per annum) : The Executive Plan expands outpatient benefits significantly, covering GP and specialist consultations, prescribed medicines, laboratory and radiological investigations, and routine NPI immunisation. Dental care includes amalgam fillings up to 3 per year, simple extractions up to 3 per year, and one surgical extraction per year. Optical care covers lenses and frames up to ₦10,000 on a 24-month limit. Surgical cover includes minor surgeries up to ₦50,000 and intermediate surgeries up to ₦70,000, with one kidney dialysis session included. Annual limit per insured is ₦500,000.
3.

Super Executive Plan (₦153,667 per annum): The Super Executive Plan builds on the Executive tier with enhanced dental benefits including composite fillings, increased optical cover up to ₦15,000, and ophthalmic surgery up to ₦100,000. Additional surgical extraction allowances are included and dental extractions rise to two surgical extractions per year. Laboratory and radiological investigations are covered at a basic plan level. This plan suits individuals who want meaningfully broader dental and optical coverage alongside their core health benefits.
4.

Magnum Plan (₦420,000 per annum) : The Magnum Plan is AIICO Multishield's most comprehensive individual offering. It covers private ward admission, maternity benefits, kidney dialysis, cancer treatment, organ and tissue transplant, psychiatric hospitalisation, and the full range of surgical procedures from minor to major. Dental care includes implants, bridges, crowns, dentures, root canal therapy, composite fillings, scaling and polishing once per year, and pain therapy. Optical care covers lenses, frames, and ophthalmic surgery. Child immunisation, both routine and extended, is included.

Who Should Consider This

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1.

Employed professionals seeking structured cover: : The Standard and Executive plans offer dependable, affordable health cover for salary earners who want more than out-of-pocket payment but are not ready for premium-tier spend.
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Families and parents: : The Magnum Plan's maternity benefits, child immunisation cover, and private ward access make it well suited to families planning ahead for comprehensive care.
3.

Individuals managing chronic conditions: : Executive and above plans include chronic care consultation and medicine, which is critical for anyone managing ongoing conditions such as diabetes or hypertension.
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High-income earners and business owners:: The Magnum Plan's cancer treatment, organ transplant cover, and psychiatric hospitalisation make it appropriate for those who want top-tier protection without gaps.

nairaCompare Insight

AIICO Multishield's tiered structure is one of its clearest strengths. Each plan step offers a meaningful upgrade in coverage rather than marginal differences, which makes it easier to match your budget to your actual health needs. For most working Nigerians, the Executive Plan represents the most balanced entry point, offering dental, optical, specialist consultation, and surgical cover at a premium that remains accessible.

What stands out about the Magnum Plan is the inclusion of cancer treatment and organ transplant cover, benefits that most mid-range health insurance products in Nigeria exclude entirely. If you are in a position to invest at this premium level, AIICO Multishield's Magnum Plan provides a level of protection that few Nigerian individual health plans can match. Use nairaCompare to assess how it compares against other top-tier options before committing.

About AIICO Multishield Nigeria Limited

AIICO Multishield Nigeria Limited is the health management arm of AIICO Insurance Plc, one of Nigeria's oldest and most capitalised insurance groups. The company provides health financing and administration services to individuals and corporates, backed by a nationwide network of accredited healthcare providers. AIICO Insurance Plc is listed on the Nigerian Exchange Group and has been operating in the Nigerian market since 1963. AIICO Multishield is regulated by NAICOM and operates in compliance with the National Health Insurance Authority Act.

CONTACT ADDRESS Plot PC 12, Churchgate Street, Victoria Island, Lagos

WEBSITE www.aiicoplc.com

PHONE NUMBER 07067453830

EMAIL ADDRESS aiicontact@aiicoplc.com

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