WHAT IS LIFE WITHOUT HEALTH

WHAT IS HEALTH WITHOUT LIFE

With over 95% of the populace paying for healthcare out-of-pocket and taking a swipe at life with no eventuality plan, the risk protection gap continues to widen across Nigeria and Africa at large.

WHY IS THIS

Self Managed

When/if current available plans are eventually pain-stakingly purchased, consumers feel trapped! People do not have options to opt-in or out of their current policies neither do they get any compensation in the event they do not access any benefits during their subscription period

Affordability

Insurance plans in the market are employment based and just out of the reach for the informal economy. Traditionally, this are required to be paid upfront for 12 months which most of us cannot just afford

Convenience

Convenience- there is just not within reach of the everyday Nigerian access to protection in bite-sized/small portions

THE REALITY OF OUR ENVIRONMENT

Purchasing power keeps reducing due to prevailing economic factors

Households, artisans, self-employed and small business owners are excluded from traditional insurance

The gig workforce keeps growing exponentially due to surging unemployment

Cost of goods and services are at an all time high due to inflation

Hadiel and Heirs Life have partnered

to help in reducing the protection gap through bite-sized/sachet products one Nigerian at a time by:

Heir's Life Plans

Cover Sum Assured Annual Premium Monthly Premium
DEATH, CI & PD 100,000.00 1,050.00 94.50
DEATH, CI & PD 200,000.00 2,100.00 189.00
DEATH, CI & PD 300,000.00 3,150.00 283.50
DEATH, CI & PD 400,000.00 4,200.00 378.00
DEATH, CI & PD 500,000.00 5,250.00 472.00
DEATH, CI & PD 600,000.00 6,300.00 567.00

Sign up now and get covered for health, life and in the eventuality of accidents.

Hadiel Satchet Plans

Mini-Sachet®

₦2,120.00

Monthly

• Malaria
• URTI /Acute respiratory tract infection
• Urinary Tract Infection • Enteric fever
• Gastroenteritis • Minor cuts and bruises
• Point of Care testing (MP, urinalysis, rbs ,pcv)
• Antimalarial treatment drugs (ATCs)
• OTC generic Medications
• Out-patient care
• Asthma(Nebulization/ventolin inhaler) –N10,000/annum
• Simple skin diseases – T. Vesicolor, T. Capitas
• Worm infestation (Helminthiasis)
• Dog bite, Snake bite, Scorpion sting
• GP consultation – 4/annum
• Doctor-in-pocket= watsapp & tele consultations

Standard-Sachet®

₦3,290.00

Monthly

• All of mini sachet with
• GP consultation – 6/annum
• Management of acute PID and vaginosis
• Asthma(Nebulization/ventolin inhaler) –N20,000/annum
• Inpatient care – 24hrs
• Uncomplicated bacterial, fungal, parasitic and viral illnesses

Super-Sachet®

₦3,990.00

Monthly

• All care accessible in standard sachet with
• GP consultation – 6/annum
• Asthma(Nebulization/ventolin inhaler) – N30,000/annum
• Inpatient care – 48 hrs
• Specialist consultations – 4/annum
• HIV/AIDS care (at Govt accredited centres)
• Minor procedures

Premium-Sachet®

₦5,883.00

Monthly

• All care accessible in super sachet with
• GP consultation – 8/annum
• Asthma(Nebulization/ventolin inhaler) – N35,000/annum
• Inpatient care – 7 days
• Specialist consultations – 6/annum
• Intermediate procedures
• Imaging/Radiology – N20,000/annum

Maxi-Sachet®

₦7,883.00

Monthly

• All care accessible in super sachet with
• GP consultation – 12/annum
• Asthma(Nebulization/ventolin inhaler) – N40,000/annum
• Inpatient care – 14 days
• Specialist consultations – 10/annum
• Hypertension
• Intermediate procedures
• Imaging/Radiology – N20,000/annum
• Optical/Dental – N15,000/annum
• Physiotherapy – 5 sessions
• Heir Life’s Death, CI & PD of ₦500,000

Bouquet-Sachet®

₦9,995.00

Monthly

• All care accessible in super sachet with
• GP consultation – 12/annum
• Asthma(Nebulization/ventolin inhaler) – N50,000/annum
• Inpatient care – 14 days
• Specialist consultations – 12/annum
• Hypertension
• Intermediate procedures
• Imaging/Radiology – N20,000/annum
• Optical/Dental – N20,000/annum
• Physiotherapy – 7 sessions
• Intermediate procedures
• Chronic conditions – N75,000/annum