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At A Glance

NEM Health Limited is the health management arm of NEM Insurance Plc, one of Nigeria's established insurance groups. Its individual Retail range is organised around provider tiers, from Tier 1 through Tier 5, and every plan carries an unlimited annual benefit limit, so cover is capped by individual benefit lines such as outpatient and inpatient limits rather than a single overall ceiling. The plans are backed by an accredited provider network across Nigeria, with the top Retail MariGold tier extending regional cover into parts of Africa. NEM Health is regulated by the National Health Insurance Authority.

Compare Plan Benefits

Claims & Support

NEM Health operates a provider-direct claims model, meaning accredited hospitals bill NEM Health directly for covered services. Present your enrollee ID card at any facility within your plan's provider tier before receiving non-emergency treatment. For emergency cases, proceed to the nearest facility and notify NEM Health as soon as possible. Telemedicine consultation is included on every Retail plan, giving you an additional route to care alongside physical consultations.

How to Make a Claim

  • Present your NEM Health enrollee card at an accredited facility within your plan's provider tier before treatment begins
  • For specialist and rare specialist consultations, follow the referral process within the network where required
  • In an emergency, access the nearest appropriate facility and notify NEM Health as soon as possible after the event
  • Use the telemedicine consultation benefit for remote access to a doctor
  • Contact NEM Health customer care through the details on your policy document for benefit queries, pre-authorisation, or provider directory access

NEM Health Plans

Hello

  1. 1.
    Retail Rose (₦52,660.80 per annum) : The entry-level individual plan, Retail Rose provides Tier 1 provider access across Nigeria with an unlimited annual benefit limit. The outpatient limit is ₦120,000 covering GP, specialist, and rare specialist consultations, telemedicine, prescribed medications, and basic laboratory, X-ray, and ultrasound investigations. The inpatient limit is ₦220,000 covering standard ward admission, feeding, nursing care, and consumables. Dental, optical, and minor surgery cover are included.
  2. 2.
    Retail Lotus (₦87,768 per annum) : Retail Lotus keeps Tier 1 provider access and raises the outpatient limit to ₦200,000 and the inpatient limit to ₦360,000 in a standard ward. Consultations across GP, specialist, and rare specialist levels, telemedicine, prescribed medicines, and basic diagnostics are all covered, and intensive care services are available for up to 24 hours. This is a natural step up for enrollees who want higher benefit lines while staying within the Tier 1 network.
  3. 3.
    Retail Tulip (₦122,875.20 per annum) : Retail Tulip moves up to Tier 2 provider access with an outpatient limit of ₦250,000 and an inpatient limit of ₦600,000 in a semi-private room. Intensive care services are covered for up to 2 days, and accommodation for a parent whose child under 5 is on admission is covered for 24 hours. Consultations, telemedicine, medications, and basic diagnostics carry the same broad cover as the lower tiers.
  4. 4.
    Retail Hazel (₦263,304 per annum) : Retail Hazel provides Tier 3 provider access with an outpatient limit of ₦360,000 and an inpatient limit of ₦1,200,000 in a private room. Intensive care services are covered for up to 3 days and parental accommodation for up to 2 days. This tier suits enrollees who want private-room comfort and a step change in inpatient cover.
  5. 5.
    Retail IVY (₦438,840 per annum) : Retail IVY provides Tier 4 provider access with an outpatient limit of ₦600,000 and an inpatient limit of ₦2,000,000 in a private room. Intensive care services are covered for up to 5 days and parental accommodation for up to 3 days, alongside the full consultation, telemedicine, medication, and diagnostic benefits carried across the Retail range.
  6. 6.
    Retail MariGold (₦789,912 per annum) : NEM Health's most comprehensive individual plan, Retail MariGold provides Tier 5 provider access with regional cover extending to Nigeria and Africa. The outpatient limit is ₦800,000 and the inpatient limit is ₦2,500,000 in a private room, with intensive care services covered for up to 7 days and parental accommodation for up to 5 days.

Who Should Consider This

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  1. 1.
    Enrollees who want no overall benefit cap:: Every Retail plan carries an unlimited annual benefit limit, so you are not constrained by a single overall cap. Enrollees who dislike the idea of exhausting a total annual ceiling will find this structure reassuring.
  2. 2.
    Individuals who want tier control: : The tiered structure lets you choose exactly the standard of provider you want, from Tier 1 on Retail Rose to Tier 5 on Retail MariGold, without paying for benefits you do not need.
  3. 3.
    Parents of young children: : Retail Tulip and above include parental accommodation when a child under 5 is admitted, alongside progressively higher inpatient limits and private rooms.
  4. 4.
    Frequent regional travellers: : Retail MariGold extends cover beyond Nigeria into Africa, making it suitable for enrollees who travel within the region and want continuity of care.

nairaCompare Insight

 NEM Health's most distinctive feature is the unlimited annual benefit limit that runs across the entire Retail range. In a market where many individual plans are defined by a single annual ceiling, NEM's approach shifts the focus to the individual benefit lines, your outpatient limit, inpatient limit, and intensive care days, which gives a clearer picture of what you can actually claim in each category. It is worth reading these line limits carefully, because they, rather than an overall cap, determine your real cover.

 For most individuals, Retail Tulip is the point where the plan becomes meaningfully comprehensive, with Tier 2 access, a semi-private room, and intensive care cover. One area to note is that maternity, chronic illness, and cancer care do not appear as covered benefits on the standard Retail lines, so enrollees with those needs should confirm the specifics before enrolling. Use nairaCompare to compare NEM's tiered, uncapped structure against providers that lead with a single annual limit. 

About NEM Health Limited

NEM Health Limited is a Health Maintenance Organisation and the health management subsidiary of NEM Insurance Plc, one of Nigeria's established general insurance groups listed on the Nigerian Exchange. The company delivers comprehensive and affordable healthcare solutions to individuals, families, and corporate organisations through a wide network of accredited healthcare providers, telemedicine, diagnostics, and medication access. NEM Health is regulated by the National Health Insurance Authority.

CONTACT ADDRESS NEM House, 199 Ikorodu Road, Obanikoro, Lagos
WEBSITE www.nem-health.com
PHONE NUMBER 01-3300150, 01-3300151
EMAIL ADDRESS customercare@nem-health.com
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