Formal Sector Plan
The Formal Sector Plan provides premium-level health coverage for employees in both public and private organizations. Contributions are shared between employer and employee, delivering comprehensive care comparable to RivCare Premium while being affordable through co-contribution. Family extension options are available for dependants.
Co-contributionShared by employer & employee
- Lab tests
- 83
- Drug items
- 540
- Surgeries
- 17
- Radiology
- 54
- Orthopaedic
- 20
- Other benefits
- 111+
What you get with this plan
- Shared cost between employer and employee
- Premium-level coverage (83 lab tests, 540 drug items)
- 54 radiology services including advanced imaging
- 20 orthopaedic services for comprehensive musculoskeletal care
- 111 additional benefits beyond core coverage
- Family extension options for spouse and dependants
- Who can enroll
- All employees in public sector (civil servants, state agencies) and private corporate sector organizations operating in Rivers State.
- Drug co-payment
- 15% of total drug cost.
- Waiting period
- 60 days after enrollment.
- Network
- 200+ accredited healthcare facilities across all 23 Local Government Areas in Rivers State.
What is covered under this plan
Outpatient care
- General, specialist, and sub-specialist consultations
- Chronic disease management and follow-ups
- Occupational health screenings
- Preventive health checkups and wellness programs
- Physiotherapy and rehabilitation
- Referral to secondary and tertiary facilities
Laboratory services
- Full blood count, ESR, PCV, and differential
- Complete urinalysis and urine MCS
- Comprehensive metabolic and lipid panels
- HbA1c and glucose tolerance test
- Thyroid, liver, and kidney function panels
- Tumor markers and hormonal assays
- Coagulation studies and cardiac enzymes
- HIV, hepatitis, VDRL, and full STI screening
- Blood culture and drug sensitivity
- Electrolytes and arterial blood gases
- PSA and CEA markers
- Semen analysis and fertility panel
Pharmaceutical care
- Full range of antibiotics and antimicrobials
- Analgesics, NSAIDs, and pain management drugs
- Cardiovascular and antihypertensive drugs
- Antidiabetics including all insulin types
- Respiratory and anti-asthmatic medications
- Neurological and psychiatric medications
- GI, anti-ulcer, and hepato-protective drugs
- Oncology supportive care medications
- Ophthalmic and ENT preparations
- Dermatological preparations
Surgical services
- All minor and intermediate surgical procedures
- Hernia repairs (all types including laparoscopic)
- Appendectomy and cholecystectomy
- Caesarean section and gynecological surgeries
- Thyroidectomy and mastectomy
- Prostatectomy and urological procedures
- Selected orthopedic surgeries
- Cataract surgery
Radiology and imaging
- Plain X-rays (all body regions and views)
- Full range of ultrasound (abdominal, pelvic, Doppler)
- CT scan (brain, chest, abdomen, pelvis, spine)
- Mammography and breast ultrasound
- Echocardiography and ECG
- Barium studies and contrast imaging
- Fluoroscopy
- Selected MRI studies
Maternity care
- Comprehensive antenatal care package
- Normal, assisted, and operative delivery
- Caesarean section and post-operative care
- Postnatal care and lactation support
- Family planning (full range of methods)
- Neonatal intensive care
- Management of high-risk pregnancies
- Fertility assessment and basic interventions
Get started in minutes
- 01
Choose This Plan
You have already found your plan. Click the enroll button to begin the registration process.
- 02
Complete Registration
Fill in your personal details at an accredited facility, call our care lines, or register online.
- 03
Receive Your ID
After payment and the waiting period, you will receive your enrollee ID card and welcome pack.
- 04
Access Care
Visit any of our 200+ accredited facilities across Rivers State. Show your ID and receive quality care.