Standard Plan
A first layer of health cover, clear and solid.
Consultations, routine care, hospitalisation, maternity and optical care: the Standard plan covers 80% of these costs for your whole family, at the most accessible premium in our range. A solid foundation to start protecting your family, without delay.
15 000 F/month, whole family
80%coverage rate
5people covered
10 000 Fone-off enrolment fee
1 000 000 Foverall annual cap
Benefits details
Standard plan benefits schedule
The exact detail of what's covered and up to what limit.
| Type of benefit | Rate | Cap |
|---|---|---|
| Outpatient and hospital care — Illness / Accident | ||
| Consultations (GP, Specialist, Professor) | 80% | 100 000 FCFA / illness episode |
| Care | 80% | |
| Medical tests | 80% | |
| Radiology | 80% | |
| Medical imaging | 80% | |
| Surgery | 80% | 200 000 FCFA / year |
| Pharmacy costs | 80% | 200 000 FCFA / year |
| Physiotherapy / Rehabilitation | 80% | 80 000 FCFA / year |
| Dental care | ||
| Dental care and prosthetics | 80% | 100 000 FCFA / year |
| Hospitalisation | ||
| Room costs (stay) | 80% | 10 000 FCFA / day, maximum 8 days |
| Daily hospitalisation allowance | 2 500 FCFA / day | 10 days maximum |
| Maternity | ||
| Standard delivery | 80% | 100 000 FCFA |
| Multiple birth | 80% | 250 000 FCFA |
| Surgical delivery | 80% | 250 000 FCFA |
| Optical | ||
| Lenses & frames | 80% | 50 000 FCFA / policyholder / 2 years |
| Outside network and overall caps | ||
| Reimbursement outside the network | 50% | According to our fee schedule, 3 times a year |
| Overall annual cap | — | 1 000 000 FCFA |
Monthly premium: 15 000 F per family (180 000 F a year) + one-off enrolment fee of 10 000 F on subscription, i.e. 190 000 F in the first year. An additional annual premium applies for a 6th person covered.
Conditions of cover
Standard plan conditions
Waiting periods
Illness2 months
Switching between plans2 months
Surgery6 months
Optical costs6 months
Dental costs6 months
Prenatal costs6 months
Childbirth9 months
Family composition
Main policyholderIncluded
SpouseIncluded
Biological childrenUp to 3
Children age limit21 years
Students (with proof of enrolment)Up to 25 years
Policyholder age limit59 years
Beyond age 59: pricing is reviewed with our team.
Territorial coverage
Cover applies in:
🇨🇮 Côte d'Ivoire
🇸🇳 Senegal
🇹🇬 Togo
🇬🇲 Gambia
🇧🇯 Benin
🇧🇫 Burkina Faso
🇬🇦 Gabon
Reimbursement outside the network
Rate outside the network50%
Basis of calculationWayvance fee schedule
For care received outside the partner network, reimbursement of 50% is possible according to our fee schedule, up to 3 times a year.
What isn't covered
Details of Standard health cover
Excluded procedures
- Illnesses that occurred before the cover took effect
- Prescription renewals not ordered by a doctor
- Health check-ups, pre-employment, periodic and pre-marital medical examinations
- Products with a preventive purpose that are not therapeutic in nature
- Procedures for cosmetic purposes or addressing a disability or congenital malformation
- Pedicure and manicure care
- Illnesses and accidents resulting from alcohol abuse, drug use, or the policyholder's deliberate act
- Consequences of civil or foreign war
- Thermal spa treatments
- Travel costs, except those covered as transport costs
- Supplements that are not medical in nature
- HIV/AIDS treatment or screening
- Risk of HIV/AIDS transmission during blood transfusions
- Speech therapy sessions
- Physiotherapy and rehabilitation costs without prior approval from the company
- Perineal and uro-gynaecological rehabilitation
- Childbirth preparation classes
Medication not reimbursed (examples)
- Beauty, hygiene and anti-acne products
- Common antiseptics (soap, Cyteal…)
- Anti-obesity medication
- Tonics, vitamins, trace elements
- Appetite stimulants
- Vaccines and serums
- Laxatives
- Contraceptives
- Homeopathy
- Medicinal confectionery and diet products
- Food and dietary products
- Hormonal and fertility treatments
- Treatments for sexual impotence
- Smoking cessation treatment
- Household medical supplies (cotton wool, alcohol, aspirin, mercury…)
- Everyday medical items (thermometer, syringes…)
Subscription
Documents required for the Standard plan
Documents to provide
- ID photo of every family member
- Photocopy of birth certificate (for children)
- Photocopy of ID or equivalent document (husband and wife)
- Proof of school/university enrolment for children aged 21 to 25
Family composition: main policyholder + spouse + up to 3 biological children (age limit: 21, or 25 with proof of enrolment).