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At A Glance

emPLE is a Nigerian insurance group offering a distinctive bundled health and life product that combines healthcare coverage with a term life or permanent disability benefit within a single annual premium. The bundled approach makes emPLE particularly relevant for working adults and families who want health financing and income protection without managing two separate policies, and at premiums that make both accessible at once.

Compare Plan Benefits

Claims & Support

emPLE operates a cashless health claims model at accredited facilities. Present your emPLE enrollee card at any network facility before receiving treatment. For the term life or permanent disability benefit, notify emPLE promptly following the qualifying event and submit the required documentation including medical reports, a completed claim form, and proof of identity. The customer care team is available for queries across all plan types.

How to Make a Claim

Present your emPLE ID card at an accredited network facility before receiving treatment.
For specialist care, obtain a referral from a primary care provider within the network
For emergency health care, proceed to the nearest appropriate hospital and notify emPLE within 24 hours
For the term life or permanent disability benefit, contact emPLE immediately following the qualifying event and submit medical evidence, identity documents, and a completed claim form
Drug benefits can be accessed via the pharmacy pick-up and delivery service included on applicable plans
Contact emPLE customer care for pre-authorisation of major procedures or any claim-related queries

emPLE Plans

Hello

1.

Jade (₦23,500 per annum) : emPLE's entry-level plan provides ₦500,000 in total annual health coverage across Nigeria through a network of over 1,100 facilities, plus a term life or permanent disability benefit of ₦250,000 for the principal. Health benefits include general and specialist consultations to a ₦100,000 annual limit, surgery cover up to ₦100,000, maternity and fertility care up to ₦80,000, dental care up to ₦15,000, child immunisation, three days of admission with feeding included, and unlimited telemedicine access.
2.

Beryl (₦51,858 per annum): Beryl raises health coverage to ₦750,000 annually across a network of over 1,400 facilities, with a term life or permanent disability benefit of ₦250,000. General and specialist consultations are covered to a ₦150,000 annual limit, surgery to ₦150,000, maternity and fertility care to ₦215,000, and dental care to ₦22,500. Five days of hospital admission in a general ward are included, alongside pharmacy delivery and unlimited telemedicine.
3.

Ruby (₦72,237 per annum): Ruby provides ₦1,000,000 in annual health coverage across over 1,500 facilities, with a term life or permanent disability benefit of ₦500,000. Consultation cover is ₦250,000 annually, surgery ₦300,000, maternity and fertility care ₦225,000, and dental care ₦35,000. Seven days of general ward admission with feeding, wellness support including mental health and annual checks, and unlimited telemedicine are included.
4.

Sapphire (₦93,200 per annum) : Sapphire covers ₦1,500,000 in annual health benefits across over 1,600 facilities, with a term life or permanent disability benefit of ₦500,000. Consultation cover is ₦350,000 annually, surgery ₦400,000, maternity and fertility care ₦345,000, and dental care ₦60,000. Fifteen days of general ward admission and chronic disease management for HIV, cancer, and renal care are included alongside annual wellness checks and unlimited telemedicine.
5.

Emerald (₦148,017 per annum) : Emerald provides ₦2,500,000 in annual health coverage, a term life or permanent disability benefit of ₦750,000 for the principal, and ten days of travel insurance cover. Consultation cover is ₦500,000 annually, surgery ₦500,000, and dental and eye care up to ₦95,000 combined. Maternity, neonatal, and intensive care for newborns are covered to a specified limit. Twenty days of general ward admission, chronic disease management, and wellness support including mental health and fitness are included.
6.

Diamond (₦260,349 per annum) : Diamond provides ₦3,500,000 in annual health coverage and a term life or permanent disability benefit of ₦1,000,000, with ten days of travel insurance. Consultation cover is ₦750,000 annually, surgery ₦750,000, and dental and eye care up to ₦130,000 combined. Twenty-five days of general ward admission, chronic disease management, gym subscription, and 24/7 customer support are all included.
7.

Crimson (₦426,588 per annum) : emPLE's highest-tier plan provides ₦5,000,000 in annual health coverage and a term life or permanent disability benefit of ₦1,250,000 for the principal, with ten days of travel insurance. Consultation cover is ₦1,000,000 annually, surgery ₦1,000,000, and dental and eye care up to ₦195,000 combined. Thirty days of general ward admission, chronic disease management, pharmacy delivery, gym subscription, and mental health and wellness support are all included.
8.

Blossom (₦309,500 per annum): Blossom combines health coverage with a term life or permanent disability benefit of ₦750,000 and two weeks of travel insurance. It includes chronic disease management for cancer and renal care, surgery cover up to ₦280,000, dental and eye care up to ₦100,000 combined, ₦1,000,000 in annual consultation cover, 20 days of semi-private ward admission, pharmacy delivery, and a death benefit subject to terms and conditions.
9.

Golden (₦611,078 per annum): Golden includes a term life or permanent disability benefit of ₦1,000,000 and two weeks of travel insurance. It covers chronic disease management for cancer and renal care, surgery up to ₦170,000, dental and eye care up to ₦160,000 combined, unlimited virtual consultations, 15 days of semi-private ward admission, pharmacy delivery, and a death benefit subject to terms and conditions.
10.

Oak (₦175,450 per annum): Oak includes a term life or permanent disability benefit of ₦500,000 and two weeks of travel insurance. Chronic disease management for cancer and renal care is included, along with surgery cover up to ₦450,000, dental and eye care up to ₦70,000 combined, ₦300,000 in annual consultation cover, 31 days of general ward admission, pharmacy delivery, and a death benefit subject to terms and conditions.

Who Should Consider This

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1.

Working adults without separate life insurance:: emPLE's bundled structure is particularly useful for individuals who have been meaning to get life cover but have not taken the step. One product addresses both needs.
2.

Young families:: The maternity, neonatal, and fertility cover across mid-tier plans, combined with the life benefit for the principal earner, makes emPLE a logical choice for couples with dependants.
3.

Self-employed Nigerians and sole traders:: Without employer-sponsored insurance, self-employed individuals bear both health and income risk personally. emPLE's permanent disability benefit adds meaningful protection for this group.
4.

Individuals managing cancer or kidney conditions:: The Blossom, Oak, and Golden plans specifically include chronic disease management for cancer and renal care, alongside the life benefit, addressing two significant coverage gaps in one product.

nairaCompare Insight

The bundling of health and life cover in a single emPLE plan is genuinely useful for anyone who has not yet separated these two insurance needs into distinct products. At the Jade and Beryl price points, you are getting meaningful healthcare access and a ₦250,000 life or disability safety net for less than the cost of comparable standalone health plans from some other providers. That is a strong value proposition for budget-conscious buyers who cannot yet afford to hold both independently.

The Sapphire plan is worth particular attention. At ₦93,200 annually, it provides ₦1,500,000 in health coverage, 15 days of hospital admission, chronic disease management including cancer and HIV, a ₦500,000 life benefit, and maternity cover up to ₦345,000. Few standalone health plans at this price point offer this breadth of benefit. If you are evaluating emPLE, compare the Sapphire against similarly priced single-product health plans to understand exactly what bundling saves you.

About emPLE

emPLE is a Nigerian insurance group regulated by NAICOM, offering a range of general and life insurance products designed for individuals, families, and businesses. The company positions itself around accessibility, transparency, and product innovation, with a stated mission to drive financial progress for working Nigerians. emPLE operates offices in Lagos, Port Harcourt, Abuja, and other cities across Nigeria, and is part of the International Group Program network for group life insurance. Its health and life bundled plans are designed to give individuals simultaneous access to healthcare financing and income protection through a single annual commitment.

CONTACT ADDRESS 4th Floor, Plot 1297, Akin Adesola Street, Victoria Island, Lagos

WEBSITE www.emple.group

PHONE NUMBER +234 2 01700 5707

EMAIL ADDRESS customercare@emple.ng

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