Factsheet

2.2: Packages / Products

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Octamile offers the following insurance packages:

Category (id)Type (id)Package (id)BenefitCover period
Professional Indemnity

(indm)		-(stnd)Package 1

(1111)		Coming soon...A duration duration between 1m (1 month) and 1y (1 year).
Loan Repayment Guaranty - Individual

(loan)		-(stnd)Package 1

(1111)		What it covers
● DEATH
The policy covers death of the borrower within the cover period and the future outstanding
loan of the borrower will be paid on death of the borrower starting from the time of death
● PERMANENT DISABILITY BY ACCIDENT
The policy covers total permanent disablement of the borrower as a result of accident within
the cover period and the future outstanding loan of the borrower will be paid on total
permanent disablement of the borrower starting from the time of disability.
● PERMANENT DISABILITY BY ILLNESS
The policy covers total permanent disablement of the borrower as a result of any of the
illnesses agreed in the policy within the cover period and the future outstanding loan of the
borrower will be paid on total permanent disablement of the borrower starting from the time
of disability. This does not include pre-existing conditions.

What it does not cover
Job loss		Does not need to be specified. The loan tenure is automatically considered as the cover period.
Loan Repayment Guaranty - Business

(lbsn)		-(stnd)Package 1

(1111)		Coming soon...Does not need to be specified. The loan tenure is automatically considered as the cover period.
Phone Warranty - Flex 1 {New + Used}

(phnn)		-(flx1)Package 1

(1111)		What it covers
● Guarantees device repair, replacement or reimbursement in the case of a breakdown.
● Recommended for low end phones
● Repair limit per annum 48,000, 2 repairs per annum
● 10% Discount on all other Insurances
● Broken screen
● Liquid spills
● Electrical surges (charging port)

What it does not cover
● Excludes theft loss
● Excludes damages within first 30days of the plan
● Accidental Damage Protection does
● NOT COVER fire,
● Normal wear
● Consumables
● Intentional acts of damage		6m and 1y
Phone Warranty - Flex 2 {New + Used}

(phnn)		-(flx2)Package 1
(1111)		What it covers
● Guarantees device repair, replacement or reimbursement in the case of a breakdown.
● Recommended for high end phones
● Repair limit per annum 180,000, 2 repairs per annum
● Broken screen
● Liquid spills
● Electrical surges (charging port)
● OS support
● Accessories for phones bought brand new in last 9 months (charger, earpiece, USB), Keyboard
● Battery
● Replacement plans come with 30 day Warranty

What it does not cover
● Excludes theft loss
● Excludes damages within first 30days of the plan
● Accidental Damage Protection does
● NOT COVER fire,
● Normal wear
● Consumables
● Intentional acts of damage		6m and 1y
Laptop Warranty - Flex 1 - Bi Annual (New + Used)

(lptp)		-(flx1)Package 1
(1111)		Coming soon...6m and 1y
Laptop Warranty - Flex 2 - Bi Annual (New + Used)

(lptp)		-(flx2)Package 1

(1111)		Coming soon...6m and 1y
Device Warranty - Annual {Brand New Devices}

(dvcc)		-(stnd)Package 1

(1111)		What it covers
● Limited 50% of repair cost
● Cover begins immediately
● Screen Damage repair
● Liquid Damage
● Motherboard repairs

What it does not cover
● Excludes used devices
● Excludes surge
● Excludes theft		1y
Car Insurance - 3rd Party - Private use

(vhcl)		Third-party

(tprt)		Package 1

(1111)		● Third party property damage1y
Car Comprehensive Insurance - Private use

(vhcl)		Comprehensive

(cmpr)		Package 1

(1111)		● Vehicle accidental damage
● Vehicle vandalism
● Vehicle fire damage
● Vehicle theft
● Free flood, storm, and tempest extension
● Free strike, riot, and civil commotion
● Free tracking (For vehicle of ₦5,000,001 and above)
● Towing (Up to ₦30,000)
● Authorised repair (Whichever is lower between ₦50,000 and 5-per-cent of the sum insured)

● Third-party property damage (Up to ₦1 million)
● Third-party injury/death (Unlimited, but reasonable)

● Medical bill (Up to ₦30,000)
● Excess buyback		1y
Marine Insurance (Export)

(mexx)		Standard

(stnd)		Package 1

(1111)		-3m
Marine Insurance (Import)

(mrnn)		-(bscc)Package 1

(1111)		● Covers Total Loss (As a result of derailment of conveying vehicle; Does not cover partial loss)
● Covers Capsizing
● Covers Jettison
● Covers Sinking		3m
Marine Insurance (Import)

(mrnn)		-(cmpr)Package 1

(1111)		● Covers Partial Loss
● Covers Total Loss
● Covers Sinking (or Capsizing) of Ship
● Covers Dropping overboard
● Covers Pilferage (Theft)
● Covers Explosion
● Covers Jettison
● Covers Lighting
● Covers Fire		3m
Money Insurance

(mnyy)		-(stnd)Package 1

(1111)		● Covers up to N100,000 per occurrence
● Covers up to N2,000,000 per annum
● It compensates you in the event of robbery while in transit or going about your day-to-day activities.
● Reasonable and customized benefits plan to suit you.
● The payment plan is flexible compared to the annual policy sold in the market.

Terms
● Outstanding premium must be deducted before claim settlements
● Agents must always ensure that their outlets are well secured
● Cash must not be kept in premises unless in safe/vaults
● Withdrawal of cash must be done by the agent or a senior staff
● Agent’s negligence won’t be claimed
● Cash must not be left unattended or unaccompanied		1m, 3m, 6m, and 1y
Health Insurance

(hlth)		-(stnd)Package 1

(1111)		Overall Annual Benefit Limit - N100,000

EMERGENCY SERVICES
● Accidents & Emergency

AMBULATORY SERVICES
● Out-patient treatment & Medication

HOSPITALIZATION/ADMISSIONS
● Accommodation type: Ward
● Admission days/year: 7 days
● Prescription drugs & Medications

CHRONIC DISEASE MANAGEMENT
● Asthma & COPD
● HIV diagnosis & Counselling

SURGICAL (C/S INCLUSIVE)
● Minor & Intermediate
● Total Surgical Limit per year: N25,000
● Cancer Treatment (Inv, Surg, Chemo, Radio): Surgical limit

OBS & GYNAE
● Contraceptives (Oral, Injectables)
● Antenatal Care, Delivery (C/S Inclusive) & Post Natal Care: Up to Surgical limit

INVESTIGATIONS
● Plain/Contrast Xrays
● Laboratory Investigations (HB, PCV, WBC, MP, WIDAL, URINALYSIS)

DENTAL
● Pain Therapy and filling
● Dental Limits per year: N5,000

OPTICAL/OPTHALMOLOGICAL
● Basic Eye Test (VISUAL ACUITY, OPTHALMOSCOPY, COUNSELLING)		1m, 3m, 6m, and 1y
Health Insurance

(hlth)		-(stnd)Package 2

(1112)		Overall Annual Benefit Limit - N350,000

EMERGENCY SERVICES
● Accidents & Emergency
● Ambulance (hosp to hosp)

AMBULATORY SERVICES
● Out-patient treatment & Medication
● Specialist treatment & Medication

HOSPITALIZATION/ADMISSIONS
● Accommodation type: Ward
Feeding
● Admission days/year: 15 days
● Prescription drugs & Medications

CHRONIC DISEASE MANAGEMENT
● Hypertensive disorders
● Diabetes Mellitus & IGT
● Asthma & COPD
● HIV diagnosis & Counselling

SURGICAL (C/S INCLUSIVE)
● Minor & Intermediate
● Total Surgical Limit per year: N25,000
● Cancer Treatment (Inv, Surg, Chemo, Radio): Surgical limit

OBS & GYNAE
● Contraceptives (Oral, Injectables)
● Antenatal Care, Delivery (C/S Inclusive) & Post Natal Care: Up to Surgical limit

INVESTIGATIONS
● Plain/Contrast Xrays
● Laboratory Investigations (HB, PCV, WBC, MP, WIDAL, URINALYSIS)

DENTAL
● Pain Therapy and filling
● Dental Limits per year: N7,500

OPTICAL/OPTHALMOLOGICAL
● Basic Eye Test (VISUAL ACUITY, OPTHALMOSCOPY, COUNSELLING)
● Ophthalmic Care & Surgery: Surgical Limit		1m, 3m, 6m, and 1y
Health Insurance

(hlth)		-(stnd)Package 3

(1113)		TOTAL BENEFIT LIMITS PER ENROLLEE (NAIRA): 600,000.00 (NOT TRANSFERABLE)

GENERAL CONSULTATION
● Treatment of basic outpatient and in-patient cases

SPECIALIST CONSULTATION
● Obstetrician
● Gynaecologist
● Pediatrician
● General Surgeon
● Cardiothoracic Surgeon
● Neurosurgeon
● ENT Surgeon (Otorhinolaryngologist)
● Urologist
● Orthopedic Surgeon
● Gastroenterologist
● Cardiologist
● Neurologist
● Nephrologist
● Psychiatrist
● Neonatologist
● Dermatologist
● Dietician/Nutritionist
● Pulmonologist/Respiratory Physician
● Hematologist
● Oncologist
● Pathologist
● Endocrinologist
● Family Physician
● Oral and Maxillofacial Surgeon

ACCESS TO FREE TELEMEDICINE APP
● Free chats with qualified and certified Doctors when in need of care during any medical emergency
● Free chats with qualified and certified Doctors when in need of any routine medical information
● Free drug Pick-up after concluding chats with qualified and certified Doctors at designated Pharmacies
● GPS-enabled access to hospital directories when hospital information is needed
● Free Telemedicine app with details of all covered benefits on the scheme

ACCIDENT AND EMERGENCY CARE
● Resuscitative care for accident and emergency cases, including basic radiological and laboratory investigations needed to stabilize patient before being moved to the ICU if need be.

BASIC DIAGNOSTIC IMAGING
● Chest X-Rays
● Abdominal X-Rays
● Limbs(Hand, Forearm, Upper arm,Thigh and Leg) X-rays
● Neck X-rays
● Sinus X-rays
● Mastoid X-rays
● Cervical Spine X-rays
● Skull X-rays
● Pelvic X-rays
● Thoracic Inlet X-rays
● Thoraco-Lumbar X-rays
● Lumbosacral X-Rays
Mandibles/Temporomandibular ● Joint X-Rays
● X-rays of All Body Joints
● Routine Ultrasound Scans (Obstetrics; Abdominal, Pelvic, Abdominopelvic, Breast, Testicular/Scrotal, Thyroid, Prostate, Bladder, and Brain Ultrasound Scans)

HEMATOLOGICAL TESTS
● Hemoglobin (HB)
● Packed Cell Volume (PCV)
● White cell count (Total and Differential)
● Full Blood Count and differentials (FBC)
● White Blood Cell count
● Red Blood Cell/Reticulocyte count
● Grouping and Cross Matching
● Genotype (on request by clinician)
● Blood group (on request by clinician)
● Erythrocyte Sedimentation Rate (ESR)
● MCHC
● MCH
● MCV
● Blood Film
● Blood Pregnancy (Beta HCG) Test

CHEMISTRY INVESTIGATIONS
● Fasting Blood Sugar
● Random Blood Sugar
● 2 Hours Post-prandial Blood Sugar
● Oral Glucose Tolerance Test (OGTT)
● Glucose Challenge Test
● Electrolytes, Urea and Creatinine
● Lipid Profile (Fasting) (Cholesterol, HDL, LDL, Triglyceride Profile)
● Liver Function Test (LFT)
● Serum Sodium
● Serum Calcium
● Serum Magnesium
● Serum Potasium
● Serum Lithium
● Serum Chloride
● Serum Bicarbonate
● Serum Alkaline Phosphate
● Serum Acid Phosphate
● Serum Inorganic Phosphate
● Serum Bilirubin (Total and Direct)
● Serum Albumin
● Serum Lactate Dehydrogenase
Serum Gamma Glutamyl Transferase
● Prothrombin time (PT/INR)
Urine Pregnancy Test

MICROBIOLOGY AND PARASITOLOGY
● Malaria Parasite (MP)
● Urine M/C/S
● Endocervical Swab (ECS) M/C/S
● High Vaginal Swab (HVS) M/C/S
● Urethral Swab M/C/S
● Throat Swab M/C/S
● Ear Swab M/C/S
● Wound Swab M/C/S
● Eye Swab M/C/S
● Sputum M/C/S
● Aspirates M/C/S
● Stool M/C/S
● VDRL (Veneral Disease Research Laboratory) Test
H.Pylori
● Trypanosomes Screening
● Toxoplasma Screening
● Skin Snip for Microfilaria
● Skin Scraping for Fungi
● Leishmania Screening
● Mantoux/Heaf's Test
● Blood Culture
● Stool Occult Blood

ADVANCED LABORATORY INVESTIGATIONS/PATHOLOGY
● Blood urea Nitrogen
● Hepatitis B Surface Antigen (HBSAg)
(HBA1C)
● Hepatitis C Screening
● Hepatitis B Screening
● HIV Screening
● HIV Confirmatory Test
● G-6PD Screening
● Thyroid Function Tests
● Serum Uric Acid
● Creatinine phosphokinase
● Syphilis Screening
● Serum immunoglobulins/Antibodies
Immunofluorescence assay
● QBC Malaria Concentration And Fluorescent Staining
● Pap Smear and Cytology
● Prostate Specific Antigen
● Protein Electrophoresis
CSF M/C/S (CSF Analysis)
● Semen M/C/S
● Serum Creatinine Phosphokinase
● Serum Iron
● 24 Hour Creatinine Clearance
● Coomb's Test (Indirect)
● Coomb's Test (Direct)
● Osmotic Fragility Test
● Chlamydia Screening
● Seminal Fluid Analysis (SFA)
● Clotting Time
● Bleeding Time
● D-Dimer
● Sputum Acid Fast Bacilli (AFB) ● Test

ADMISSIONS AND ACCOMMODATION
● Feeding for enrollees on admission
● Hospital Ward Care
● Skilled medical and paramedical services
● Supply of prescribed intravenous/intramuscular, oral and topical drugs
● Supply of all medical and surgical consumables
● Blood grouping, cross matching, and transfusion
● Accommodation for in-patient care

INTENSIVE CARE
● ICU and ICU-related Care

EYE/OPTICAL CARE
● Specialist Opthalmologist Consultation
● Pharmacological treatment of acute and chronic ocular infections
● Basic ocular tests (Tonometry/Intra-Ocular Pressure, Refraction, Fundoscopy, Pachymetry, and Slit Lamp)
● Advanced Ocular tests (Central Visual Field, Indirect Opthalmoscopy, Depth Perception Test, Shirmer's Tear Test, Amsler Test, Retina Photography, OCT Scan, A Scan, B Scan)
● Lenses and Frames (Including Contact lenses)

DENTAL CARE
● Specialist Consultation
● Routine dental examination
● Preventive dental care and counselling
● Dental pain therapy
● Pharmacological treatment of acute and chronic dental infections
● Access to prescribed drugs
● Surgical extraction
● Non-surgical extraction
● Root Canal Therapy
● Scaling and Polishing
● Operculectomy
● Gingival Curettage
● Composite Filling
● Amalgam Filling
● Incision and Drainage

PHYSIOTHERAPY CARE
● Specialist Consultation
● Routine fitness examination
● Preventive Counselling on referral
● Pain therapy
● Access to prescribed drugs
● Number of Sessions Covered: 3 per annum

Antenatal Care (INCLUDING ALL SPECIALIST CARE AND ANC DRUGS)
● Delivery (SVD/NORMAL and COMPLICATED)
● Delivery (MULTIPLE)
● Assisted Delivery
● Therapeutic Abortion (Manual Vacuum Aspiration)
● CAESARIAN SECTION

INCUBATOR CARE
● Neonatal / Special Baby Care Unit

NPI IMMUNIZATION (0-5 YEARS)
● BCG
● OPV/IPV
● PENTAVALENT
● HEPATITIS B
● DPT
● VITAMIN A
● MEASLES
● YELLOW FEVER

CARE FOR THE NEWBORN
● Care for babies actively on the plan
● Care for babies NOT actively on the plan (Expires after 6 weeks of life)

FAMILY PLANNING
● Copper T Intrauterine Device
Injectibles (Depo Provera,Noristerat)
● Contraceptive pills

SURGERIES
● MINOR SURGERIES
● INTERMEDIATE SURGERIES
● MAJOR SURGERIES

RENAL CARE (DIALYSIS)
● Dialysis and all related care: 1 session per annum

WELLNESS CHECKS
● BMI Check
● General Physical Examination
● Blood Pressure Check (Hypertension Screening)
● Blood Sugar Check (Diabetes Screening)
● Urinalysis

AMBULANCE SERVICES
● Movement of patients to and fro Hospital

PSYCHIATRY CARE
● Mental illness care with certified psychiatrists

HIV CARE AND TREATMENT
● Specialist Consulltation
● Specialist Drug therapy
● Counselling Sessions

SEEKING SECOND OPINION
● Diagnosis confirmation from secondary and tertiary care centres
● Line of treatment confirmation from secondary and tertiary care centres

MORTUARY SERVICES
● After-demise compensation		1m, 3m, 6m, and 1y
Goods in Transit

(gtrn)		-(stnd)Package 1

(1111)		Coming soon...-
Householder

(hhxx)		(stnd)Package 1

(1111)		Coming soon...-

Updated about 2 years ago