Yes. The plans available on Diaspora Health Cover are health insurance products administered and underwritten by NEM Health, a licensed Nigerian health insurance provider. Coverage, benefits, and exclusions are subject to the specific policy terms of the selected plan.
Explore Plan Options
Each plan provides a different scope of coverage. Review the options below to understand what's included and select the level of care that works best for your family in Nigeria
What Each Plan Covers -
See Plan Benefits
| Benefit Categories | TULIP | HAZEL | IVY |
|---|---|---|---|
| Annual Benefit Limit | Unlimited | Unlimited | Unlimited |
| Region of Cover | Nigeria | Nigeria | Nigeria |
| Hospital Access | Tier 1 - 2 | Tier 1 - 3 | Tier 1 - 4 |
| GP Consultation | |||
| Specialist Consultation | |||
| Rare Specialist Consultation | |||
| Prescribed Medications | |||
| Basic Laboratory Investigations/X-Ray/Ultrasounds | |||
| Teleconsultation chats, call or video with licenced medical doctors | |||
| Emergency Medical Transportation from Roadside to Hospital and Hospital to Hospital | |||
| Second Opinion Service by experts | |||
| Room Type | Semi - Private | Private | Private |
| Nursing care and consumables | |||
| Parents accommodation (For whose infants are on admission ) | Covered for 2days | ||
| ICU | Covered up to N 1,000,000 | Covered up to N 1,500,000 | Covered up to N 2,000,000 |
| Minor Surgery | Covered up to a Maximum of N500,000 | Covered up to a Maximum of N1,000,000 | Covered up to a Maximum of N1,500,000 |
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| Benefit Categories | TULIP |
|---|---|
| Annual Benefit Limit | Unlimited |
| Region of Cover | Nigeria |
| Hospital Access | Tier 1 - 2 |
| GP Consultation | |
| Specialist Consultation | |
| Rare Specialist Consultation | |
| Prescribed Medications | |
| Basic Laboratory Investigations/X-Ray/Ultrasounds | |
| Teleconsultation chats, call or video with licenced medical doctors | |
| Emergency Medical Transportation from Roadside to Hospital and Hospital to Hospital | |
| Second Opinion Service by experts | |
| Room Type | Semi - Private |
| Nursing care and consumables | |
| Parents accommodation (For whose infants are on admission ) | Covered for 2days |
| ICU | Covered up to N 1,000,000 |
| Minor Surgery | Covered up to a Maximum of N500,000 |
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(Benefits, limits, exclusions, and provider access vary by plan and are subject to policy terms administered by NEM Health)
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Plans & Coverage FAQs
Find Clear Answers Here
Find quick answers to common questions about your health insurance coverage
NEM Health is responsible for policy issuance, healthcare provider network management, and claims administration. All insurance coverage and medical benefits are delivered in accordance with Nigerian health insurance regulations.
Diaspora Health Cover provides the digital platform for plan selection, premium payments from abroad, beneficiary registration, and customer support. We do not provide medical care or underwrite insurance policies directly.
Beneficiaries can access care through NEM Health’s approved provider network, which includes accredited hospitals, clinics, dental centers, and optical providers across Nigeria.
You can view the current list of partner healthcare providers here (link to partner hospitals).
Provider access depends on the network coverage available under the selected plan and location. NEM Health maintains a nationwide network, but availability may vary by state and by plan level.
No. Each Homereach plan offers a different scope of coverage. Benefits, service limits, exclusions, and provider access vary by plan and are clearly outlined in the policy documents provided by NEM Health.
Yes. Diaspora Health Cover allows Nigerians living abroad to manage plans, register beneficiaries, and make premium payments securely from overseas, while healthcare services are delivered locally in Nigeria.