Q "Can my dependants and I attend another hospital on the network in addition to the one we are registered with?"

A You have the choice of picking one hospital from the Multishield Limited network which will always handle your healthcare needs. If, however you become dissatisfied with your selected provider, you can change your provider with approval obtained from Multishield.

Q "What happens during acute emergencies far away from my provider?"

A Real emergency care can be obtained in any nearby hospital preferably on thenationwide network of Multishield Providers. However, you must inform Multishield Limited within 24hours.

Q "What happens during acute emergencies in a town where there is no Multishield accredited Provider hospital?"

A Care can be obtained in hospitals other than Multishield Provider hospital during emergency situations in an area where there is no Multishield Provider hospital, but, it should be strictly for out-of-station situations. Cost incurred in non-provider hospital will be reimbursed after confirmation that payment was for emergency treatment only.

Q "What happens about the payment of my hospital bills

A The cost of treatment is covered by the capitation paid to your chosen provider by Multishield Limited. However, you will need to settle personal costs such as telephone calls and other non-treatment related services with your hospital, as these are not covered on the scheme.

Q "Am I covered for specialist services?"

A Yes, but, the extent of cover will depend on the Multishield Health Plan you have purchased.

Q What are exclusions?

A Since covered services are determined based on the amount of premium paid, exculsions are defined services not covered under the premium-based health plans.However, special arrangement can be made to cover any of these services at additional cost.

Q "Are there any exclusions?"

A Yes, there are exclusions and the exclusions are:

1. Cosmetic Surgery
2. Investigations and treatment of fertility
3. Specific treatment of HIV Positive and AIDS patients
4. Expensive dental filling and orthodontic treatment
5. Expensive investigation e.g. CT Scan, Myelogram, EEG etc.
6. Medical appliances such as cardiac pacemaker, orthopaedic implants etc.
7. Chronic renal failure requiring dialysis
8. Induced abortion
9. Special-order optical lenses
10. Advanced and/or complex ancillary investigations e.g. Marrow Biopsy, Skeletal Survey etc
11. Laser treatment
12. Transplants
13. Surgeries to heart and great blood vessels
14. Neurological surgeries
15. Overseas treatment
16. Embalmment and autopsies

  Q "Are there any limits on the quantum of healthcare services I can receive in one year?"

  A Yes, there is a limit of liability which is a monetized value of the total healthcare services that can be provided for any one beneficiary in a year. Your limit of liability will depend on the Multishield Health Plan you have purchased.  

Q "Am I covered outside Nigeria?"

A The standard subscription does not cover your treatment outside the country although special arrangement can be made at an additional cost.

Q "What should I do if I am dissatisfied with the services of my provider?"

A Contact Multishield through any of the hotlines or via e-mail.