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1. Group Coverage Terms: Additional terms for group insurance policies, used when covering organizations or employee groups

2. International Coverage: Terms for international health coverage, included when the policy extends beyond Nigeria

3. Maternity Benefits: Specific terms for maternity coverage, included when this coverage is offered

4. Chronic Disease Management: Special provisions for managing chronic conditions, included for comprehensive health plans

5. Network Providers: Terms related to specific healthcare provider networks, included when the insurer has specific provider partnerships

6. Premium Adjustment Mechanisms: Terms for adjusting premiums based on claims history or other factors, included for long-term agreements

7. Wellness Programs: Terms related to preventive care and wellness initiatives, included when such programs are offered

1. Schedule A - Benefits Table: Detailed breakdown of covered benefits, limits, and sub-limits

2. Schedule B - Premium Schedule: Detailed premium calculations and payment schedules

3. Schedule C - Network Providers: List of approved healthcare providers and facilities

4. Schedule D - Excluded Conditions: Comprehensive list of excluded conditions and treatments

5. Schedule E - Claims Documentation Requirements: List of required documents and procedures for claims

6. Appendix 1 - Pre-existing Conditions Declaration: Form for declaring pre-existing medical conditions

7. Appendix 2 - Claims Forms: Standard forms for submitting insurance claims

8. Appendix 3 - Authorization Forms: Forms for various medical and administrative authorizations