Flexi-Mini vs ZenCare

Flexi-Mini costs ₦9,000 less per month.

Bastion HMO

Flexi-Mini

₦6,000

per month

Lower price

Bastion HMO

ZenCare

₦15,000

per month

Plan details

Flexi-MiniZenCare

Plan type

Classic Plans

Waiting period

5 days

Inpatient limit

₦550,000

₦10,000,000

Outpatient limit

₦350,000

₦1,000,000

About

Enhanced Medicare coverage with premium benefits

Classic Health plan with standard benefits. Provided by Bastion HMO.

Benefits

Show differences only

Showing 225 of 225 benefits

Availability

Benefits available after 24 hours

Not covered

Primary Dental Care-Secondary Dental Care Covered Up to Overall Dental Limit of NGN5,000.

NGN5,000

Primary Dental Care-For comatose & unconscious enrolees, Pain management, Stabilisation and maintenance treatment for chronic diseases, Ventilator care, Management of diabetes and diabetic emergencies, Long term skilled and semi-skilled hospital care

Covered

Not covered

Primary Dental Care-Surgeries Covered up to surgery limit of NGN70,000

NGN70,000

Primary Dental Care-Obstetrics Care Covered up to Maternity Limit of NGN50,000

NGN50,000

Hospital access tier D-Primary Dental Care Covered Up to Overall Dental Limit of NGN5,000.

NGN5,000

Diagnostics services like X-Rays and Ultrasounds

Covered

Not covered

Diagnostics and imaging-X-Rays and Ultrasounds: Limited to Chest X-Rays ,Plain Abdominal X-Rays,,Limb X-rays,Neck X-rays,Skull X-rays,Lumbosacral X-Rays,X-rays of Body Joints,Ultrasound Scan

Covered

Not covered

Admissions and Accomodation

Covered

Accident and emergency-Resuscitative care for accident and emergency cases, including basic radiological and laboratory investigations needed to stabilize patient before being moved to the ICU if need be. Up to NGN50,000/ year

NGN50,000

Not covered

Resuscitative care including basic radiological and laboratory investigations to stabilize patient before ICU transfer if needed (up to NGN50,000/year)

Covered

Not covered

Family planning covered up to NGN7,000

Covered

Not covered

Accident and emergency-Family Planning Covered Up to NGN7,000

NGN7,000

Not covered

Manual Vacuum Aspiration-Neonatal Care Covered up to Maternity Limit of NGN50,000

NGN50,000

Not covered

Access to C-D tier hospitals

Covered

Not covered

Pharmacy coverage up to NGN100,000

NGN100,000

Not covered

Specialized care coverage

Covered

Not covered

24-hour free chat access to healthcare professionals

Covered

Not covered

Free chats with doctors and nurses during medical emergencies

Covered

Not covered

Free chats with doctors and nurses for routine medical information

Covered

Not covered

Benefits Available after 5 days

Covered

Not covered

Pharmacy Limit up to NGN50,000

NGN50,000

Not covered

Treatment of basic medical outpatient and in-patient cases

Covered

24 Hours free chat access to healthcare professionals

Covered

Free chats with Doctors and Nurses when in need of care during any medical emergency

Covered

Free chats with Doctors and Nurses when in need of any routine medical information

Covered

Hospital Ward Care-Supply of prescribed intravenous/intramuscular, oral and topical drugs

Covered

Not covered

Supply of all medical and surgical consumables

Covered

Hospital Ward Care-Blood grouping, cross matching, and transfusion

Covered

Not covered

-Seeking second option Covered within HMO network

Covered

Not covered

-Benefits Available after 4 MONTHS

Covered

Not covered

-Eye Care Covered up to NGN5,000

NGN5,000

Not covered

Routine dental examination

Covered

Preventive dental care and counselling

Covered

Dental pain therapy at primary healthcare centres

Covered

Pharmacological treatment of acute and chronic dental infections

Covered

Benefits Available after 11 MONTHS

Covered

Hospital access tier D-Pharmacy Limit up to NGN100,000

NGN100,000

Treatment of basic medical outpatient and inpatient cases

Covered

Not covered

Specialist consultations once per month

Covered

Not covered

Skilled medical and paramedical services

Covered

Feeding for enrollees on admission - General Ward (up to 5 days/year)

Covered

Primary dental care covered up to NGN5,000

Covered

Preventive dental care and counseling

Covered

Dental pain therapy at primary healthcare centers

Covered

Obstetrics care covered up to maternity limit of NGN30,000

Covered

Inpatient limit up to NGN100,000

Covered

Outpatient limit up to NGN100,000

Covered

Pharmacy limit up to NGN100,000

Covered

Inpatient limit up to NGN50,000

Covered

Not covered

Outpatient limit up to NGN50,000

Covered

Not covered

GeneralWard

Services': ['Admissions and accommodation', 'Feeding for enrollees on admission (up to 10 days/year)', 'Skilled medical and paramedical services', 'Supply of prescribed intravenous, intramuscular, oral, and topical drugs', 'Supply of all medical and surgical consumables', 'Blood grouping, cross-matching, and transfusion']}

Services': ['Admissions and accommodation', 'Feeding for enrollees on admission (up to 10 days/year for dialysis, 5 days/year for tier D)', 'Skilled medical and paramedical services', 'Supply of prescribed intravenous, intramuscular, oral, and topical drugs', 'Supply of all medical and surgical consumables', 'Blood grouping, cross-matching, and transfusion', 'Accommodation for inpatient care / admissions', 'Accommodation for parents of admitted infants', 'Inpatient hospitalization benefit abroad']}

General ward admission with feeding

Covered

Not covered

Inpatient Limit up to NGN400,000

NGN400,000

Not covered

Feeding for enrolees on admission General Ward (Up to 10 Days/year)

Covered

Ear Piercing-Inpatient Limit up to NGN150,000

NGN150,000

Not covered

Feeding for enrolees on admission - General Ward (Up to 5 Days/year)

Covered

Hospital access tier D-Inpatient Limit up to NGN100,000

NGN100,000

Hospital access tier D-Inpatient Limit up to NGN50,000

NGN50,000

Care for comatose and unconscious enrollees

Covered

Pain management

Covered

Stabilization and maintenance treatment for chronic diseases

Covered

Ventilator care

Covered

Management of diabetes and diabetic emergencies

Covered

Long-term skilled and semi-skilled hospital care

Covered

Not covered

BasicImaging

X-rays and ultrasounds (limited to chest X-rays, plain abdominal X-rays, limb X-rays, neck X-rays, skull X-rays, lumbosacral X-rays, X-rays of body joints, ultrasound scan)

X-rays and ultrasounds (not limited to list)

Inpatient

NGN400,000

Unlimited

Outpatient

NGN250,000

Unlimited

Pharmacy

NGN50,000

Not covered

Hospital access tier D-Obstetrics Care Covered up to Maternity Limit of NGN30,000

NGN30,000

Ear Piercing-Pharmacy Limit up to NGN150,000

NGN150,000

Not covered

Outpatient Limit up to NGN250,000

NGN250,000

Not covered

Specialist Consultations Once / Month

Covered

Ear Piercing-Outpatient Limit up to NGN150,000

NGN150,000

Not covered

Hospital access tier D-Outpatient Limit up to NGN100,000

NGN100,000

Hospital access tier D-Outpatient Limit up to NGN50,000

NGN50,000

Seeking second opinion covered within HMO network

Covered

Not covered

Eye care covered up to NGN5,000

Covered

Not covered

Surgeries

NGN70,000

Not covered

Obstetrics

NGN50,000

Not covered

Neonatal

NGN50,000

Not covered

AdditionalLimits

Inpatient': 'Up to NGN150,000', 'Outpatient': 'Up to NGN150,000', 'Pharmacy': 'Up to NGN150,000

Not covered

Seeking second option-Mortuary Services Covered Up to NGN50,000 Limit

Not covered

NGN50,000

Care-Death Cover Covered Up to NGN50,000 Limit

Not covered

NGN50,000

Hepatitis B-Mortuary Services Covered Up to NGN40,000 Limit

Not covered

NGN40,000

MortuaryServices

Not covered

NGN50,000

DeathCover

Not covered

NGN50,000

Cancer care-Consultation, Admission, Counselling, Hospice Care , Surgical - Chemotherapy - Radiotherapy; Covered Up to NGN300,000

Not covered

NGN300,000

Consultation

Not covered

Covered

Admission

Not covered

Covered

Counseling

Not covered

Covered

Hospice care

Not covered

Covered

Surgical treatment

Not covered

Covered

Chemotherapy

Not covered

Covered

Radiotherapy

Not covered

Covered

Limit

Not covered

NGN300,000

Primary dental care covered up to NGN20,000

Not covered

NGN20,000

Ocular tests-Primary Dental Care Covered Up to Overall Dental Limit of NGN20,000

Not covered

NGN20,000

Primary Dental Care-Neonatal Care Covered up to Maternity Limit of NGN50,000

Not covered

NGN50,000

Primary Dental Care-Pharmacy Limit up to NGN150,000

Not covered

NGN150,000

Laboratory tests-Personal health equipment - BP machine, Glucometer, Trackers

Not covered

Covered

X-Rays and Ultrasounds Covered (Not limited to the list)

Not covered

Covered

Diagnostics and imaging-Advanced Investigations, limited to CT Scan, MRI Scan, Echocardiography, Electrocardiography CT scan only and emergency cases for MRI

Not covered

Covered

Serology-Supply of prescribed intravenous/intramuscular, oral and topical drugs

Not covered

Covered

Serology-Blood grouping, cross matching, and transfusion

Not covered

Covered

Accommodation for in-patient care

Not covered

Covered

Treatment of acute and chronic ENT diseases

Not covered

Covered

ENT Surgeries - (part of the surgical limit)

Not covered

Covered

Pharmacological treatment of acute and chronic ENT infections

Not covered

Covered

Not covered

Covered

Movement of patients from Hospital to Hospital

Not covered

Covered

Movement of patients from Home/Accident Scene to Hospital

Not covered

Covered

Hospital Ward Care-Resuscitative care for accident and emergency cases, including basic radiological and laboratory investigations needed to stabilize patient before being moved to the ICU if need be. Up to NGN50,000/ year

Not covered

NGN50,000

AccidentAndEmergency

Not covered

NGN50,000

Movement of patients from hospital to hospital

Not covered

Covered

Movement of patients from home or accident scene to hospital

Not covered

Covered

Lenses covered up to NGN15,000

Not covered

NGN15,000

Frames covered up to NGN15,000

Not covered

NGN15,000

Routine ocular examination

Not covered

Covered

Ocular tests-Lenses Covered NGN15,000

Not covered

NGN15,000

Ocular tests-Frames Covered NGN15,000

Not covered

NGN15,000

Copper T intrauterine device

Not covered

Covered

Lippes Loop intrauterine device

Not covered

Covered

Norplant

Not covered

NGN200,000

ManualVacuumAspiration

Not covered

Emergency or elective Caesarean section

Fertility services-Investigation and treatment at limits per plan NGN15,000

Not covered

NGN15,000

Copper T Intrauterine Device

Not covered

Covered

Lippes loop Intrauterine Device

Not covered

Covered

Norplant-Surgeries Covered Up to Surgery Limit of NGN200,000

Not covered

NGN200,000

Emergency or Elective Caesarean Section

Not covered

Covered

Hospital Ward Care-Family Planning Covered Up to NGN7,000

Not covered

NGN7,000

InvestigationAndTreatment

Not covered

NGN15,000

All Basic features

Not covered

Covered

Telehealth services

Not covered

Covered

Dental, vision, and hearing coverage

Not covered

Covered

Prescription drug coverage (Part D)

Not covered

Covered

Treatment of chronic conditions

Not covered

Covered

Pharmacological treatment of acute and chronic ocular infections

Not covered

Covered

Access to prescribed drugs

Not covered

Covered

Pain therapy-Additional Immunization (6Yrs and above) Covered Up to NGN7,000

Not covered

NGN6,000

Diagnosis confirmation from secondary and tertiary care centres

Not covered

Covered

Line of treatment confirmation from secondary and tertiary care centres

Not covered

Covered

Care-Enrollee is covered for a payment up to the stated limit in the event of Death (Natural, Accidental). The actual amount paid is based on the event while eligibility is subject to compliance with the rules of the plan.

Not covered

Covered

Annual Checkup - available after 7 months

Not covered

Covered

Hepatitis B-Surgeries Covered up to surgery limit of NGN100,000

Not covered

NGN100,000

Hepatitis B-Minor surgeries Covered up to surgery limit of NGN100,000

Not covered

NGN100,000

Hepatitis B-Intermediate surgeries Covered up to surgery limit of NGN100,000

Not covered

NGN100,000

Hepatitis B-Major surgeries Covered up to surgery limit of NGN100,000

Not covered

NGN100,000

Hepatitis B-Renal Care Covered Up to NGN40,000 Limit

Not covered

NGN40,000

Seeking second option Covered within HMO network

Not covered

Covered

Benefits Available after 4 MONTHS

Not covered

Covered

Mental illnesses-Eye Care Covered up to NGN5,000

Not covered

NGN5,000

Benefits available after 11 months

Not covered

Covered

Care for comatose and unconscious enrollees, pain management, stabilization, chronic disease treatment, ventilator care, diabetes management, long-term skilled and semi-skilled hospital care

Not covered

Covered

Surgeries (minor, intermediate, major) covered up to NGN100,000

Not covered

Covered

Mortuary services covered up to NGN40,000

Not covered

Covered

Obstetrics care covered up to maternity limit of NGN100,000

Not covered

Covered

Neonatal care covered up to maternity limit of NGN100,000

Not covered

Covered

Renal care covered up to NGN40,000

Not covered

Covered

NPI Immunisation (0-5 Years)

Not covered

Covered

NPI

Not covered

Covered for ages 0-5 years

Additional

Not covered

NGN6,000

Unlimited inpatient limit

Not covered

Covered

Unlimited Inpatient Limit

Not covered

Covered

Feeding for enrolees on admission General Ward

Not covered

Covered

Hospital Ward Care General Ward

Not covered

Covered

Skilled medical and paramedical services General Ward

Not covered

Covered

Accommodation for parents whose infants are on admission

Not covered

Covered

Inpatient /Hospitalization Benefit Abroad

Not covered

Covered

Dialysis-Inpatient Limit up to NGN400,000

Not covered

NGN400,000

Primary Dental Care-Inpatient Limit up to NGN150,000

Not covered

NGN150,000

Long-term skilled and semi-skilled hospital care (up to 2 days)

Not covered

Covered

PersonalHealthEquipment

Not covered

Blood pressure machine, glucometer, trackers

AdvancedImaging

Not covered

CT scan, MRI scan, echocardiography, electrocardiography (CT scan always covered, MRI for emergencies)

Health talks, education forums, or wellness fairs (up to 4 weeks)

Not covered

Covered

Fitness and wellness programs

Not covered

Covered

Subsidized Fitness/ nutritional club membership (for non-network gym)

Not covered

Covered

Lifestyle Management-On-site Health Checks, Health Talks/ Education forum or wellness fairs

Not covered

Covered

FitnessClub

Not covered

Subsidized membership for non-network gyms

HealthChecks

Not covered

On-site health checks, health talks, education forums, or wellness fairs

Hepatitis B-Obstetrics Care Covered up to Maternity Limit of NGN100,000

Not covered

NGN100,000

Hepatitis B-Neonatal Care Covered up to Maternity Limit of NGN100,000

Not covered

NGN100,000

Employee Assistance Program / Stress Management 4 weeks

Not covered

Covered

Covid Home Care Kit - up to limit on the plan 4 weeks

Not covered

Covered

Health Talks/ Education forum or wellness fairs 4 weeks

Not covered

Covered

Mental illnesses Covered for Outpatient cases Only (4 weeks)

Not covered

Covered

EmployeeAssistanceProgram

Not covered

4 weeks

CovidHomeCareKit

Not covered

4 weeks

HealthEducation

Not covered

4 weeks

PsychiatryCare

Not covered

4 weeks

Ear Piercing-Special Baby Care Unit (Intensive Care Unit - including Life Support, Phototherapy & Incubator Care) 2 Days (NGN100,000)

Not covered

NGN200,000

Unlimited outpatient limit

Not covered

Covered

Specialist consultations (limited based on plan type, up to 4 weeks)

Not covered

Covered

Unlimited Outpatient Limit

Not covered

Covered

Chronic Disease Medication - drug delivery and pick up at partner pharmacies

Not covered

Covered

Specialist Consultations on Outpatient Cases Only; limited based on type of plans 4 weeks

Not covered

Covered

Dialysis-Outpatient Limit up to NGN250,000

Not covered

NGN250,000

Primary Dental Care-Outpatient Limit up to NGN150,000

Not covered

NGN150,000

Physiotherapy Care Covered (5 sessions)

Not covered

5 sessions

Routine fitness examination

Not covered

Covered

Preventive Counselling on referral

Not covered

Covered

Coverage

Not covered

5 sessions

RoutineFitnessExamination

Not covered

Covered

PreventiveCounseling

Not covered

On referral

General Physical Examination

Not covered

Covered

Blood Pressure Check (Hypertension Screening)

Not covered

Covered

Blood Sugar Check (Diabetes Screening)

Not covered

Covered

Urinalysis-Mammogram, cervical smear for women over 35 years every 2 years (every other year)

Not covered

Covered

BMI check (general physical examination)

Not covered

Covered

Blood pressure check (hypertension screening)

Not covered

Covered

Blood sugar check (diabetes screening)

Not covered

Covered

Women

Not covered

Mammogram and cervical smear (over 35 years, every 2 years)

Dialysis 3 Sessions

Not covered

Covered

Benefits Available after 24 hours

Not covered

Covered

Dialysis-Pharmacy Limit up to NGN50,000

Not covered

NGN50,000

Dialysis-X-Rays and Ultrasounds: Limited to Chest X-Rays ,Plain Abdominal X-Rays,,Limb X-rays,Neck X-rays,Skull X-rays,Lumbosacral X-Rays,X-rays of Body Joints,Ultrasound Scan

Not covered

Covered

Diagnosis confirmation from secondary and tertiary care centers

Not covered

Covered

Line of treatment confirmation from secondary and tertiary care centers

Not covered

Covered

Covered within HMO network (mental illnesses)

Not covered

Covered

Telemedicine

Not covered

24-hour free chat access to healthcare professionals

ENT surgeries (part of surgical limit)

Not covered

Covered

General

Not covered

Chronic disease medication with drug delivery and pickup at partner pharmacies

Frequency

Not covered

Once per month (for dialysis patients)

Intensive care unit-For comatose & unconscious enrolees, Pain management, Stabilisation and maintenance treatment for chronic diseases, Ventilator care, Management of diabetes and diabetic emergencies, Long term skilled and semi-skilled hospital care 2 Days

Not covered

Covered

Hepatitis B-For comatose & unconscious enrolees, Pain management, Stabilisation and maintenance treatment for chronic diseases, Ventilator care, Management of diabetes and diabetic emergencies, Long term skilled and semi-skilled hospital care

Not covered

Covered

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Flexi-Mini

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