ZenCare

Name: ZenCare
Brand: Bastion HMO
Price: 15000 NGN
Availability: InStock

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

Offered by Bastion HMO

Monthly premium

NGN15,000

per enrollee / month

Plan details

Provider	Bastion HMO
Plan type	Classic Plans
Monthly premium	NGN15,000
Inpatient limit	NGN10,000,000
Outpatient limit	NGN1,000,000
Waiting period	5 days

Benefits

193 of 193 rows

Benefit coverage for ZenCare
Category	Benefit	Coverage
After Demise Care	Seeking second option-Mortuary Services Covered Up to NGN50,000 Limit	NGN50,000
After Demise Care	Care-Death Cover Covered Up to NGN50,000 Limit	NGN50,000
After Demise Care	Hepatitis B-Mortuary Services Covered Up to NGN40,000 Limit	NGN40,000
After Demise Care	MortuaryServices	NGN50,000
After Demise Care	DeathCover	NGN50,000
Cancer Care	Cancer care-Consultation, Admission, Counselling, Hospice Care , Surgical - Chemotherapy - Radiotherapy; Covered Up to NGN300,000	NGN300,000
Cancer Care	Consultation	Covered
Cancer Care	Admission	Covered
Cancer Care	Counseling	Covered
Cancer Care	Hospice care	Covered
Cancer Care	Surgical treatment	Covered
Cancer Care	Chemotherapy	Covered
Cancer Care	Radiotherapy	Covered
Cancer Care	Limit	NGN300,000
Dental Care	Primary dental care covered up to NGN20,000	NGN20,000
Dental Care	Ocular tests-Primary Dental Care Covered Up to Overall Dental Limit of NGN20,000	NGN20,000
Dental Care	Primary Dental Care-Secondary Dental Care Covered Up to Overall Dental Limit of NGN5,000.	NGN5,000
Dental Care	Primary Dental Care-Surgeries Covered up to surgery limit of NGN70,000	NGN70,000
Dental Care	Primary Dental Care-Obstetrics Care Covered up to Maternity Limit of NGN50,000	NGN50,000
Dental Care	Primary Dental Care-Neonatal Care Covered up to Maternity Limit of NGN50,000	NGN50,000
Dental Care	Primary Dental Care-Pharmacy Limit up to NGN150,000	NGN150,000
Dental Care	Hospital access tier D-Primary Dental Care Covered Up to Overall Dental Limit of NGN5,000.	NGN5,000
Diagnostics	Laboratory tests-Personal health equipment - BP machine, Glucometer, Trackers	Covered
Diagnostics	X-Rays and Ultrasounds Covered (Not limited to the list)	Covered
Diagnostics	Diagnostics and imaging-Advanced Investigations, limited to CT Scan, MRI Scan, Echocardiography, Electrocardiography CT scan only and emergency cases for MRI	Covered
Diagnostics	Admissions and Accomodation	Covered
Diagnostics	Serology-Supply of prescribed intravenous/intramuscular, oral and topical drugs	Covered
Diagnostics	Supply of all medical and surgical consumables	Covered
Diagnostics	Serology-Blood grouping, cross matching, and transfusion	Covered
Diagnostics	Accommodation for in-patient care	Covered
E N T Care	Treatment of acute and chronic ENT diseases	Covered
E N T Care	ENT Surgeries - (part of the surgical limit)	Covered
E N T Care	Pharmacological treatment of acute and chronic ENT infections	Covered
Emergency Services	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.	Covered
Emergency Services	Movement of patients from Hospital to Hospital	Covered
Emergency Services	Movement of patients from Home/Accident Scene to Hospital	Covered
Emergency Services	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	NGN50,000
Emergency Services	AccidentAndEmergency	NGN50,000
Emergency Services	Movement of patients from hospital to hospital	Covered
Emergency Services	Movement of patients from home or accident scene to hospital	Covered
Eye Care	Lenses covered up to NGN15,000	NGN15,000
Eye Care	Frames covered up to NGN15,000	NGN15,000
Eye Care	Routine ocular examination	Covered
Eye Care	Ocular tests-Lenses Covered NGN15,000	NGN15,000
Eye Care	Ocular tests-Frames Covered NGN15,000	NGN15,000
Eye Care	Routine dental examination	Covered
Family Planning	Copper T intrauterine device	Covered
Family Planning	Lippes Loop intrauterine device	Covered
Family Planning	Norplant	NGN200,000
Family Planning	ManualVacuumAspiration	Emergency or elective Caesarean section
Family Planning	Limit	NGN7,000
Fertility Services	Fertility services-Investigation and treatment at limits per plan NGN15,000	NGN15,000
Fertility Services	Copper T Intrauterine Device	Covered
Fertility Services	Lippes loop Intrauterine Device	Covered
Fertility Services	Norplant-Surgeries Covered Up to Surgery Limit of NGN200,000	NGN200,000
Fertility Services	Emergency or Elective Caesarean Section	Covered
Fertility Services	Hospital Ward Care-Family Planning Covered Up to NGN7,000	NGN7,000
Fertility Services	InvestigationAndTreatment	NGN15,000
General	All Basic features	Covered
General	Telehealth services	Covered
General	Dental, vision, and hearing coverage	Covered
General	Prescription drug coverage (Part D)	Covered
General	Treatment of chronic conditions	Covered
General	Pharmacological treatment of acute and chronic ocular infections	Covered
General	Access to prescribed drugs	Covered
General	Pain therapy-Additional Immunization (6Yrs and above) Covered Up to NGN7,000	NGN6,000
General	Diagnosis confirmation from secondary and tertiary care centres	Covered
General	Line of treatment confirmation from secondary and tertiary care centres	Covered
General	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.	Covered
General	Annual Checkup - available after 7 months	Covered
General	Hepatitis B-Surgeries Covered up to surgery limit of NGN100,000	NGN100,000
General	Hepatitis B-Minor surgeries Covered up to surgery limit of NGN100,000	NGN100,000
General	Hepatitis B-Intermediate surgeries Covered up to surgery limit of NGN100,000	NGN100,000
General	Hepatitis B-Major surgeries Covered up to surgery limit of NGN100,000	NGN100,000
General	Benefits Available after 11 MONTHS	Covered
General	Hepatitis B-Renal Care Covered Up to NGN40,000 Limit	NGN40,000
General	Seeking second option Covered within HMO network	Covered
General	Benefits Available after 4 MONTHS	Covered
General	Mental illnesses-Eye Care Covered up to NGN5,000	NGN5,000
General	Preventive dental care and counselling	Covered
General	Dental pain therapy at primary healthcare centres	Covered
General	Pharmacological treatment of acute and chronic dental infections	Covered
General	Hospital access tier D-Pharmacy Limit up to NGN100,000	NGN100,000
Hepatitis B	Annual Checkup - available after 7 months	Covered
Hepatitis B	Benefits available after 11 months	Covered
Hepatitis B	Care for comatose and unconscious enrollees, pain management, stabilization, chronic disease treatment, ventilator care, diabetes management, long-term skilled and semi-skilled hospital care	Covered
Hepatitis B	Surgeries (minor, intermediate, major) covered up to NGN100,000	Covered
Hepatitis B	Mortuary services covered up to NGN40,000	Covered
Hepatitis B	Obstetrics care covered up to maternity limit of NGN100,000	Covered
Hepatitis B	Neonatal care covered up to maternity limit of NGN100,000	Covered
Hepatitis B	Renal care covered up to NGN40,000	Covered
Hospital Ward Care	Skilled medical and paramedical services	Covered
Hospital Access Tier D	Feeding for enrollees on admission - General Ward (up to 5 days/year)	Covered
Hospital Access Tier D	Primary dental care covered up to NGN5,000	Covered
Hospital Access Tier D	Preventive dental care and counseling	Covered
Hospital Access Tier D	Dental pain therapy at primary healthcare centers	Covered
Hospital Access Tier D	Pharmacological treatment of acute and chronic dental infections	Covered
Hospital Access Tier D	Obstetrics care covered up to maternity limit of NGN30,000	Covered
Hospital Access Tier D	Inpatient limit up to NGN100,000	Covered
Hospital Access Tier D	Outpatient limit up to NGN100,000	Covered
Hospital Access Tier D	Pharmacy limit up to NGN100,000	Covered
Hospital Ward Care	GeneralWard	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']}
Immunizations	NPI Immunisation (0-5 Years)	Covered
Immunizations	NPI	Covered for ages 0-5 years
Immunizations	Additional	NGN6,000
Inpatient Care / Admissions	Unlimited inpatient limit	Covered
Inpatient Care / Admissions	Unlimited Inpatient Limit	Covered
Inpatient Care / Admissions	Feeding for enrolees on admission General Ward	Covered
Inpatient Care / Admissions	Hospital Ward Care General Ward	Covered
Inpatient Care / Admissions	Skilled medical and paramedical services General Ward	Covered
Inpatient Care / Admissions	Accommodation for parents whose infants are on admission	Covered
Inpatient Care / Admissions	Inpatient /Hospitalization Benefit Abroad	Covered
Inpatient Care / Admissions	Dialysis-Inpatient Limit up to NGN400,000	NGN400,000
Inpatient Care / Admissions	Feeding for enrolees on admission General Ward (Up to 10 Days/year)	Covered
Inpatient Care / Admissions	Primary Dental Care-Inpatient Limit up to NGN150,000	NGN150,000
Inpatient Care / Admissions	Feeding for enrolees on admission - General Ward (Up to 5 Days/year)	Covered
Inpatient Care / Admissions	Hospital access tier D-Inpatient Limit up to NGN100,000	NGN100,000
Inpatient Care / Admissions	Hospital access tier D-Inpatient Limit up to NGN50,000	NGN50,000
Intensive Care Unit	Care for comatose and unconscious enrollees	Covered
Intensive Care Unit	Pain management	Covered
Intensive Care Unit	Stabilization and maintenance treatment for chronic diseases	Covered
Intensive Care Unit	Ventilator care	Covered
Intensive Care Unit	Management of diabetes and diabetic emergencies	Covered
Intensive Care Unit	Long-term skilled and semi-skilled hospital care (up to 2 days)	Covered
Laboratory And Diagnostics	PersonalHealthEquipment	Blood pressure machine, glucometer, trackers
Laboratory And Diagnostics	BasicImaging	X-rays and ultrasounds (not limited to list)
Laboratory And Diagnostics	AdvancedImaging	CT scan, MRI scan, echocardiography, electrocardiography (CT scan always covered, MRI for emergencies)
Lifestyle Management	Health talks, education forums, or wellness fairs (up to 4 weeks)	Covered
Lifestyle Management	Fitness and wellness programs	Covered
Lifestyle Management	Subsidized Fitness/ nutritional club membership (for non-network gym)	Covered
Lifestyle Management	Lifestyle Management-On-site Health Checks, Health Talks/ Education forum or wellness fairs	Covered
Lifestyle Management	FitnessClub	Subsidized membership for non-network gyms
Lifestyle Management	HealthChecks	On-site health checks, health talks, education forums, or wellness fairs
Limits	Inpatient	Unlimited
Limits	Outpatient	Unlimited
Maternity Care	Hepatitis B-Obstetrics Care Covered up to Maternity Limit of NGN100,000	NGN100,000
Maternity Care	Hepatitis B-Neonatal Care Covered up to Maternity Limit of NGN100,000	NGN100,000
Maternity Care	Hospital access tier D-Obstetrics Care Covered up to Maternity Limit of NGN30,000	NGN30,000
Mental Health	Employee Assistance Program / Stress Management 4 weeks	Covered
Mental Health	Covid Home Care Kit - up to limit on the plan 4 weeks	Covered
Mental Health	Health Talks/ Education forum or wellness fairs 4 weeks	Covered
Mental Health	Mental illnesses Covered for Outpatient cases Only (4 weeks)	Covered
Mental Health	Outpatient	4 weeks
Mental Health	EmployeeAssistanceProgram	4 weeks
Mental Health	CovidHomeCareKit	4 weeks
Mental Health	HealthEducation	4 weeks
Mental Health	PsychiatryCare	4 weeks
Neonatal Care	Ear Piercing-Special Baby Care Unit (Intensive Care Unit - including Life Support, Phototherapy & Incubator Care) 2 Days (NGN100,000)	NGN200,000
Outpatient Care	Unlimited outpatient limit	Covered
Outpatient Care	Specialist consultations (limited based on plan type, up to 4 weeks)	Covered
Outpatient Care	Unlimited Outpatient Limit	Covered
Outpatient Care	24 Hours free chat access to healthcare professionals	Covered
Outpatient Care	Free chats with Doctors and Nurses when in need of care during any medical emergency	Covered
Outpatient Care	Free chats with Doctors and Nurses when in need of any routine medical information	Covered
Outpatient Care	Chronic Disease Medication - drug delivery and pick up at partner pharmacies	Covered
Outpatient Care	Specialist Consultations on Outpatient Cases Only; limited based on type of plans 4 weeks	Covered
Outpatient Care	Dialysis-Outpatient Limit up to NGN250,000	NGN250,000
Outpatient Care	Specialist Consultations Once / Month	Covered
Outpatient Care	Primary Dental Care-Outpatient Limit up to NGN150,000	NGN150,000
Outpatient Care	Hospital access tier D-Outpatient Limit up to NGN100,000	NGN100,000
Outpatient Care	Hospital access tier D-Outpatient Limit up to NGN50,000	NGN50,000
Physiotherapy	Physiotherapy Care Covered (5 sessions)	5 sessions
Physiotherapy	Routine fitness examination	Covered
Physiotherapy	Preventive Counselling on referral	Covered
Physiotherapy	Coverage	5 sessions
Physiotherapy	RoutineFitnessExamination	Covered
Physiotherapy	PreventiveCounseling	On referral
Preventive Screening	General Physical Examination	Covered
Preventive Screening	Blood Pressure Check (Hypertension Screening)	Covered
Preventive Screening	Blood Sugar Check (Diabetes Screening)	Covered
Preventive Screening	Urinalysis-Mammogram, cervical smear for women over 35 years every 2 years (every other year)	Covered
Preventive Screening	BMI check (general physical examination)	Covered
Preventive Screening	Blood pressure check (hypertension screening)	Covered
Preventive Screening	Blood sugar check (diabetes screening)	Covered
Preventive Screening	Women	Mammogram and cervical smear (over 35 years, every 2 years)
Renal Care	Dialysis 3 Sessions	Covered
Renal Care	Benefits Available after 24 hours	Covered
Renal Care	Dialysis-Pharmacy Limit up to NGN50,000	NGN50,000
Renal Care	Treatment of basic medical outpatient and in-patient cases	Covered
Renal Care	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	Covered
Seeking Second Option	Diagnosis confirmation from secondary and tertiary care centers	Covered
Seeking Second Option	Line of treatment confirmation from secondary and tertiary care centers	Covered
Seeking Second Option	Covered within HMO network (mental illnesses)	Covered
Special Baby Care Unit	Coverage	Intensive care including life support, phototherapy, and incubator care
Special Baby Care Unit	Limit	NGN200,000
Specialist Consultations	Telemedicine	24-hour free chat access to healthcare professionals
Specialist Consultations	Treatment of acute and chronic ENT diseases	Covered
Specialist Consultations	ENT surgeries (part of surgical limit)	Covered
Specialist Consultations	Pharmacological treatment of acute and chronic ENT infections	Covered
Specialist Consultations	General	Chronic disease medication with drug delivery and pickup at partner pharmacies
Specialist Consultations	Frequency	Once per month (for dialysis patients)
Specialized Care	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	Covered
Specialized Care	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	Covered

Key features

#	Feature
1	All Basic features
2	Unlimited inpatient limit
3	Unlimited outpatient limit
4	Telehealth services
5	Dental, vision, and hearing coverage
6	Health talks, education forums, or wellness fairs (up to 4 weeks)
7	Primary dental care covered up to NGN20,000
8	Specialist consultations (limited based on plan type, up to 4 weeks)
9	Lenses covered up to NGN15,000
10	Frames covered up to NGN15,000
11	Primary dental care covered up to NGN20,000
12	Prescription drug coverage (Part D)
13	Dental, vision, and hearing coverage
14	Fitness and wellness programs
15	Telehealth services

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ZenCare

NGN15,000 / month