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      Benefit Package
Value Proposition of Sterling Health Plans
    The plan provides comprehensive, affordable, quality product encompassing all levels of care.
    Products and services lay emphasis on the importance of primary and preventive healthcare.
    Secondary and tertiary care is provided at a combination of public and private facilities.
    Long experience in prepaid health plan which has been in operation at the flagship hospital
      for about 40years.
    Choice: Broad range of insurance and Employee benefit products.

Cost Control
    Programs and service that help control rising benefits costs while working hard to help
     members reach their optimal state of health.

Support
    Administrative solution for convenient, easy to understand information and tools for our
     enrollees.
    Dedicated Account Manager: Personalized implementation and plan administration service.
    Ability to coordinate with emergency assistance vendors.

Benefits to Employers
    Accurate determination and possible reduction of annual medical expenses.
    Reduce work down-time and increase worker’s productivity.
    Reduction in staff medical overhead, eliminating administrative inconveniences and
     spurious bills associated with the retainership system.
    Employers can concentrate on core business service.
    Value for money spent and quality assurance maintained/High standard of Healthcare
      delivery services/program.

On Site/In – Plant Clinic facilities on request and subject to negotiation.
    This is for treatment of Minor Ailment, Emergency cases, Medical Check up and health education.

Benefits to Individual Subscribers.
    No bills.
    Unhindered access to medical care from hospital of choice for self and dependants.
    No limitation to the number of visits.
    Unrivalled customer management.
    Guaranteed access to good quality of life and health care services anytime.
    HTHCare 24 hour emergency ambulance and telemedicine call center manned by medical
      professionals.
    Preventive health programs to identify the risk of future illness, allowing early intervention and
      treatment, helping a speedy return to work.
    Budgeted Medical expenses.
    Protection from huge and spurious Medical bills.
    Provision for Emergency Medical Service anywhere in Nigeria.

Additional Benefits
    Medical Hotlines.
    Quarterly Newsletters.
    Periodic Wellness Programs eg. BP Check, Deworming.
    Periodic Health Talks.
    Periodic Preventive Health Programs.

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