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At A Glance

Sunu Health Nigeria Limited is a first-generation Nigerian health maintenance organisation and part of the SUNU Group, which also includes SUNU Assurances Nigeria Plc. Its individual Retail range keeps things simple with three clearly differentiated plans, each defined by the number of specialist consultation sessions and hospital admission days it allows. Cover is delivered through an accredited network of providers across all 36 states and the FCT, with telemedicine and, where clinically necessary, overseas referral. Sunu Health is accredited by the National Health Insurance Authority.

Compare Plan Benefits

Claims & Support

Sunu Health operates a provider-direct model, so accredited facilities verify your cover and bill Sunu Health for covered treatment. On enrolment you can access care immediately using your digital enrollee identity card or mobile app while your physical card is being processed. Present your card at any facility in the network before receiving non-emergency treatment. For emergencies, proceed to the nearest facility for stabilisation and notify Sunu Health as soon as possible, and use the telemedicine service for remote access to a doctor.

How to Make a Claim

Present your Sunu Health physical or digital enrollee ID card at an accredited network facility before treatment begins
For specialist consultations, note that each plan allows a set number of sessions per year, so plan your specialist visits accordingly
In an emergency, access the nearest appropriate facility for stabilisation and notify Sunu Health as soon as possible after the event
Use the Sunu Health mobile app and telemedicine service to locate providers and access remote consultations
Contact Sunu Health customer care through the details on your policy document for benefit queries and pre-authorisation

Sunu Health Plans

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1.

Retail Pearl (₦46,904 per annum): Sunu Health's entry-level individual plan, Retail Pearl covers 2 specialist consultation sessions per year and up to 7 days of hospital admission per year in a general ward. Surgeries are covered up to ₦15,000 and chronic disease management up to ₦25,000. The plan includes drug prescriptions, wellness services, immunisation, eye care, and nationwide emergency cover. Maternity is not covered on this plan.
2.

Retail Sapphire (₦79,093 per annum): Retail Sapphire steps up to 4 specialist consultation sessions per year and up to 10 days of hospital admission per year in a semi-private ward. Surgeries are covered up to ₦50,000, and the plan includes drug prescriptions, wellness services, immunisation, eye care, and nationwide emergency cover. As with Retail Pearl, maternity is not included on this tier.
3.

Retail Emerald (₦103,090 per annum) : Sunu Health's most comprehensive individual plan, Retail Emerald covers 6 specialist consultation sessions per year and up to 20 days of hospital admission per year in a private ward. Surgeries are covered up to ₦80,000, chronic disease management up to ₦25,000, and maternity services up to ₦100,000. Drug prescriptions, wellness services, immunisation, eye care, and nationwide emergency cover are all included.

Who Should Consider This

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1.

Individuals who want simplicity: Sunu Health's three-plan range is easy to compare and priced accessibly, which suits individuals who want dependable, regulated cover without navigating a large menu of tiers.
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Value-focused enrollees: Retail Pearl and Retail Sapphire deliver core outpatient, inpatient, surgery, and emergency cover at a low entry premium, a practical choice for salary earners moving away from out-of-pocket payment.
3.

Individuals planning for maternity: Only Retail Emerald includes maternity cover, up to ₦100,000, so individuals planning for a child should choose this tier.
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Preventive-care-minded individuals: All three plans include eye care, wellness services, and immunisation, making them a straightforward option for enrollees focused on preventive care.

nairaCompare Insight

Sunu Health's strength is clarity. With just three plans distinguished by specialist sessions, admission days, and ward type, it is one of the easiest individual ranges in the Nigerian market to understand at a glance. The trade-off is that consultation access is session-capped rather than open, so the plans reward enrollees who use specialist care occasionally rather than frequently. If you anticipate regular specialist visits, it is worth counting your likely sessions against the plan's annual allowance before enrolling.

The clearest decision point in the range is maternity. Only Retail Emerald includes it, so anyone planning for a child should factor that in and not assume the lower tiers will cover delivery. For everyone else, Retail Pearl and Retail Sapphire offer a genuinely affordable route into regulated cover with nationwide emergency access and preventive benefits. Use nairaCompare to weigh Sunu's session-based structure against the visit-limit and benefit-cap models used by other providers before deciding.

About Sunu Health Nigeria Limited

Sunu Health Nigeria Limited is a technology-driven Health Maintenance Organisation accredited by the National Health Insurance Authority under accreditation number NHIA 016. Formerly known as Managed Healthcare Service Limited, it is among Nigeria's first-generation HMOs and forms part of the SUNU Group, which includes SUNU Assurances Nigeria Plc. The company delivers managed care through a network of accredited providers, telemedicine, and overseas referral for cases that cannot be managed in Nigeria, serving individuals, SMEs, multinationals, and public-sector clients.

CONTACT ADDRESS 174B, Murtala Mohammed Way, Ebute Metta, Lagos

WEBSITE www.sunuhealthnigeria.com

PHONE NUMBER 0700-1000-8000

EMAIL ADDRESS nigeria.health@sunu-group.com

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