leadway health

At A Glance

Leadway Health is the health management subsidiary of Leadway Holdings, one of Nigeria's largest non-banking financial services groups. The company offers a well-structured range of individual health plans, with regional coverage extending to India and Africa on its upper tiers. All plans come with telemedicine access, GPS-enabled hospital directory tools, and a dedicated enrollee app.

Compare Plan Benefits

Claims & Support

Leadway Health operates a provider-direct claims model, meaning accredited hospitals bill Leadway directly for covered services. Present your Leadway Health ID card at any facility in the applicable network category before receiving non-emergency treatment. For emergency cases, proceed to the nearest facility and notify Leadway Health within 24 hours. Note that some benefits carry waiting periods and are not available in the first policy year or first three months, so review your plan schedule carefully before seeking specialist or surgical care.

How to Make a Claim

Present your Leadway Health enrollee card at an accredited network hospital before treatment begins
For specialist consultations, obtain a referral from a general practitioner within the network
In an emergency, access the nearest appropriate facility and call Leadway Health to notify them within 24 hours of the event.
For benefits with waiting periods, confirm eligibility before scheduling elective procedures
For reimbursement claims, submit original receipts, a completed claim form, and your enrollee details within 30 days
Use the Leadway enrollee app or the telemedicine service to access 24/7 doctor consultations and locate network hospitals

Leadway Health Plans

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1.

Strawberry (₦104,997.75 per annum) : The entry-level individual plan with a 7-day general waiting period, covering Category D hospital facilities. Outpatient limit is ₦150,000 covering GP and specialist consultations, laboratory and diagnostic tests, ENT services, prescribed non-chronic medicines, and primary eye care. Chronic medication is covered up to ₦50,000. Inpatient limit is ₦350,000 covering general ward admission, inpatient medication, and physiotherapy up to ₦10,000. Intensive care cover of ₦100,000 is available after the first policy year. Surgical cover is up to ₦250,000, not covered in the first three months. Antenatal and delivery cover is ₦200,000, not available in the first policy year. Dental care up to ₦10,000 and optical care up to ₦7,500 apply after the first three months. Fertility investigation counselling, SFA, and USS are covered up to ₦20,000 after the first policy year. Outpatient psychiatry cover for up to 8 weeks is included.
2.

Cranberry (₦147,790.50 per annum): A step up from Strawberry, Cranberry raises the outpatient limit to ₦250,000 and the inpatient limit to ₦500,000 with semi-private ward accommodation, also covering Category D hospitals. Chronic medication rises to ₦75,000. Physiotherapy is covered up to ₦20,000, intensive care up to ₦200,000, and surgical cover up to ₦300,000. Maternity cover increases to ₦250,000. Dental care extends to ₦20,000 and optical to ₦10,000. Fertility investigations are covered up to ₦25,000 including counselling, SFA, USS, and HSG, after the first policy year. Health screening for adults aged 22 and above is included annually. Outpatient psychiatry cover for up to 8 weeks is included.
3.

Blueberry (₦254,826 per annum): Blueberry expands regional coverage to Nigeria and India and accesses Category C and D hospitals. Outpatient limit is ₦300,000, chronic medication ₦100,000, and inpatient limit is ₦750,000 with private ward access. Surgical cover extends to ₦400,000, maternity cover to ₦300,000, dental care to ₦40,000, and optical care to ₦15,000. Physiotherapy rises to ₦30,000 and intensive care cover to ₦300,000. Fertility investigations are covered up to ₦50,000 including hormonal assay. Age-specific health screening is included for both men and women from age 40, including PSA and mammogram every three years.
4.

Blackberry (₦585,975 per annum) : Blackberry extends regional coverage to Nigeria, India, and Africa with access to Category B, C, and D hospitals. Outpatient limit is ₦500,000 and inpatient limit is ₦2,000,000 in a private ward. Surgical cover is up to ₦1,000,000. Chronic medication is covered up to ₦150,000. Maternity cover is ₦800,000. Fertility investigations are covered up to ₦100,000 including hysteroscopy. Dental care is up to ₦50,000 and optical to ₦25,000. Physiotherapy is ₦40,000 and intensive care ₦400,000. Comprehensive health screening is included annually, with Pap smear for women from age 30 and PSA and mammogram from age 40. Outpatient psychiatry cover for up to 8 weeks is included.
5.

Raspberry (₦954,720 per annum) : Leadway Health's most comprehensive individual plan, Raspberry covers Nigeria, India, and Africa with access to Category A, B, and C hospitals. Outpatient limit is ₦500,000, chronic medication ₦200,000, and inpatient limit is ₦2,000,000 in a private ward. Surgical cover is ₦1,000,000, maternity cover is ₦850,000, and intensive care cover is ₦500,000. Fertility investigations are covered up to ₦100,000 including hysteroscopy. Physiotherapy is ₦40,000. Dental care is up to ₦50,000 and optical care to ₦25,000. All health screening, immunisation, and specialist services are included at the highest available tier.
6.

Senior Cranberry (₦511,647.15 per annum for ages 55 to 69 / ₦543,394.22 for ages 70 to 79) : Designed for enrollees aged 55 to 79, Senior Cranberry covers Category D hospitals with a 7-day general waiting period. Inpatient limit is ₦500,000 and outpatient limit is ₦250,000. General consultations are unlimited and specialist consultations (internal medicine generalist only) are capped at 3 per annum. Telemedicine is unlimited. Chronic disease management covers arthritis, asthma, hypertension, diabetes, and osteoarthritis, with chronic medicine refill up to ₦400,000 per annum through the pharmacy benefit management. Optical care for minor ailments is covered with frames and lenses every 2 years up to ₦10,000. Dental care is ₦20,000. Inpatient accommodation is general ward for 14 days per annum. Emergency resuscitative care is covered up to ₦50,000 per annum, intensive care up to ₦100,000, and surgical cover up to ₦100,000 after 6 months. Advanced investigations are covered up to ₦50,000 per annum after 3 months. Health checks are included once per year. Kidney dialysis covers 2 sessions.
7.

Senior Blueberry (₦775,432.15 per annum for ages 55 to 69 / ₦839,246.97 for ages 70 to 79) : Senior Blueberry accesses Category C and D hospitals. Inpatient limit is ₦650,000 and outpatient limit is ₦350,000. Specialist consultations (internal medicine generalist only) are capped at 5 per annum. Chronic medicine refill rises to ₦500,000 per annum. Frames and lenses every 2 years rise to ₦25,000. Dental care is ₦30,000 and physiotherapy ₦10,000. Emergency care is covered up to ₦75,000, intensive care up to ₦200,000, and surgical cover up to ₦150,000 after 6 months. Major disease including oncology, chemotherapy, radiotherapy, and stroke is covered up to 50% of the inpatient limit for enrollees newly diagnosed after 12 months on the scheme. Advanced investigations are covered up to ₦75,000 after 3 months. Kidney dialysis covers 3 sessions.
8.

Senior Blackberry (₦1,196,027.15 per annum for ages 55 to 69 / ₦1,300,431.22 for ages 70 to 79) : Senior Blackberry accesses Category C and D hospitals. Inpatient limit is ₦1,500,000 and outpatient limit is ₦500,000. Specialist consultations (internal medicine generalist only) are capped at 7 per annum. Chronic medicine refill rises to ₦750,000 per annum. Inpatient accommodation is semi-private ward. Frames and lenses every 2 years rise to ₦35,000. Dental care is ₦40,000 and physiotherapy ₦30,000. Emergency care is ₦100,000, intensive care ₦300,000, and surgical cover ₦200,000 after 6 months. Major disease is covered up to 50% of inpatient limit. Advanced investigations are ₦100,000 after 3 months. Adult immunisations include yellow fever, meningitis, and Hepatitis B. Health checks include PSA and Pap smear. Kidney dialysis covers 5 sessions.
9.

Senior Raspberry (₦1,476,922.15 per annum for ages 55 to 69 / ₦1,608,460.47 for ages 70 to 79) : Senior Raspberry accesses Category B, C, and D hospitals. Inpatient limit is ₦2,000,000 and outpatient limit is ₦1,000,000 with private ward accommodation. Specialist consultations (internal medicine generalist only) are capped at 10 per annum. Chronic medicine refill is ₦1,000,000 per annum. Frames and lenses every 2 years rise to ₦45,000. Dental care is ₦50,000 and physiotherapy ₦50,000. Emergency care is ₦150,000, intensive care ₦500,000, and surgical cover ₦300,000 after 6 months. Major disease is covered up to 50% of inpatient limit. Advanced investigations are ₦150,000 after 3 months. Adult immunisations include yellow fever, meningitis, and Hepatitis B. Health checks include PSA, Pap smear, and mammogram every 3 years. Kidney dialysis covers 7 sessions.

Who Should Consider This

1.

Young professionals and salary earners: : The Strawberry and Cranberry plans offer strong outpatient and specialist cover at accessible premiums, making them well suited to individuals who want regulated health cover without a high annual spend.
2.

Families planning for maternity:: Plans from Blueberry upward include meaningful maternity cover and extended fertility investigation benefits, suitable for couples actively planning or expecting.
3.

Business owners and high-income earners: : The Blackberry and Raspberry plans offer private ward access, expanded regional coverage, and surgical limits that reflect the healthcare expectations of senior professionals.
4.

Older adults aged 55 and above: : Health's dedicated Senior Plans with chronic disease management, unlimited telemedicine, and age-appropriate health screening fill a gap that most standard health plans do not address.

nairaCompare Insight

Leadway Health's most distinctive offering is its Senior Plan range. Very few Nigerian HMOs offer dedicated retail plans for individuals above 55, and the fact that Leadway has structured these plans with chronic disease management, pharmacy benefit management for refills, and age-appropriate health screening reflects a genuine understanding of what older enrollees need. If you are looking to enrol a parent or older relative, these plans are worth examining closely.

For working-age individuals, the Blueberry plan hits a useful middle ground. The combination of private ward access, extended regional coverage to India, ₦300,000 outpatient and ₦750,000 inpatient limits, and fertility investigation cover up to ₦50,000 makes it a well-rounded option for those who want more than the basics without reaching the Blackberry price point. Use nairaCompare to compare Leadway's benefit limits against similarly priced plans from other providers before deciding.

About Leadway Health

Leadway Health is a subsidiary of Leadway Holdings, one of Nigeria's foremost and largest non-banking financial services groups, with over 50 years of insurance experience. Leadway Health manages health benefits for both individual and corporate enrollees through a nationwide network of accredited hospitals and clinics. The company is regulated by NAICOM and is known for its digital-first approach including telemedicine, GPS-enabled hospital directories, and the Leadway enrollee app available on iOS and Android.

CONTACT ADDRESS 121/123, Funso Williams Avenue, Iponri, Surulere, Lagos

WEBSITE www.leadwayhealth.com

PHONE NUMBER 0201-2801-051 / 0708-0627-051

EMAIL ADDRESS healthcare@leadway.com

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