ZenCare Plus vs Flexi-Mini

Flexi-Mini costs ₦14,000 less per month.

Bastion HMO

ZenCare Plus

₦20,000

per month

Bastion HMO

Flexi-Mini

₦6,000

per month

Lower price

Plan details

ZenCare PlusFlexi-Mini

Plan type

Advanced Plans

Classic Plans

Waiting period

5 days

Inpatient limit

₦10,000,000

₦550,000

Outpatient limit

₦10,000,000

₦350,000

About

All-in-one Health plan with additional benefits. Provided by Bastion HMO.

Enhanced Medicare coverage with premium benefits

Benefits

Show differences only

Showing 280 of 280 benefits

Seeking second option-Mortuary Services Covered Up to NGN75,000 Limit

NGN750,000

Not covered

Care-Death Cover Covered Up to NGN75,000 Limit

NGN750,000

Not covered

Care-Mortuary Services Covered Up to NGN50,000 Limit

NGN50,000

Not covered

Care-Death Cover Covered Up to NGN50,000 Limit

NGN50,000

Not covered

Care-Mortuary Services Covered Up to NGN40,000 Limit

NGN40,000

Not covered

MortuaryServices

NGN750,000

Not covered

DeathCover

NGN750,000

Not covered

Investigation and treatment at limits per plan (NGN15,000)

Covered

Not covered

Care for comatose and unconscious enrollees, pain management, stabilization, chronic disease treatment, ventilator care, diabetes management, long-term care (up to 2 days)

Covered

Not covered

X-rays and ultrasounds (not limited to list)

Covered

Not covered

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

Covered

Not covered

Feeding for enrollees on admission (General Ward)

Covered

Not covered

Hospital ward care (General Ward)

Covered

Not covered

Skilled medical and paramedical services (General Ward)

Covered

Not covered

Accommodation for parents of admitted infants

Covered

Not covered

Inpatient hospitalization benefit abroad

Covered

Not covered

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

Covered

Not covered

Employee Assistance Program / Stress Management (4 weeks)

Covered

Not covered

Covid Home Care Kit (up to plan limit, 4 weeks)

Covered

Not covered

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

Covered

Not covered

Lenses covered up to NGN15,000

Covered

Not covered

Frames covered up to NGN15,000

Covered

Not covered

Primary dental care covered up to NGN20,000

Covered

Not covered

Physiotherapy care covered (5 sessions)

Covered

Not covered

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

Covered

Not covered

Surgeries covered up to NGN200,000

Covered

Not covered

Special Baby Care Unit (2 days, NGN100,000)

Covered

Not covered

Dialysis (3 sessions)

Covered

Not covered

Cancer care (consultation, admission, counseling, hospice care, surgical, chemotherapy, radiotherapy; up to NGN300,000)

Covered

Not covered

Mental illnesses covered for outpatient cases only (4 weeks)

Covered

Not covered

Mortuary services covered up to NGN50,000

Covered

Not covered

Death cover covered up to NGN50,000

Covered

Not covered

Annual Checkup - available after 7 months

Covered

Not covered

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

Covered

Not covered

Mortuary services covered up to NGN40,000

Covered

Not covered

Benefits available after 11 months

Covered

Not covered

Obstetrics care covered up to maternity limit of NGN100,000

Covered

Not covered

Neonatal care covered up to maternity limit of NGN100,000

Covered

Not covered

Renal care covered up to NGN40,000

Covered

Not covered

Cancer care-Consultation, Admission, Counselling, Hospice Care , Surgical - Chemotherapy - Radiotherapy; Covered Up to NGN750,000

NGN750,000

Not covered

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

NGN300,000

Not covered

Consultation

Covered

Not covered

Admission

Covered

Not covered

Counseling

Covered

Not covered

Hospice care

Covered

Not covered

Surgical treatment

Covered

Not covered

Chemotherapy

Covered

Not covered

Radiotherapy

Covered

Not covered

Limit

NGN750,000

Not covered

Primary dental care covered up to NGN80,000

NGN800,000

Not covered

Ocular tests-Primary Dental Care Covered Up to Overall Dental Limit of NGN50,000

NGN50,000

Not covered

Ocular tests-Secondary Dental Care Covered Up to Overall Dental Limit of NGN50,000

NGN50,000

Not covered

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

NGN20,000

Not covered

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

NGN5,000

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

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

NGN50,000

Not covered

Primary Dental Care-Pharmacy Limit up to NGN150,000

NGN150,000

Not covered

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

NGN5,000

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

Covered

Not covered

-Advanced Investigations, limited to CT Scan, MRI Scan, Echocardiography, Electrocardiography

Covered

Not covered

Admissions and Accomodation

Covered

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

Covered

Not covered

Supply of all medical and surgical consumables

Covered

Serology-Blood grouping, cross matching, and transfusion

Covered

Not covered

Accommodation for in-patient care

Covered

Not covered

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

Covered

Not covered

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

Covered

Not covered

Treatment of acute and chronic ENT diseases

Covered

Not covered

ENT Surgeries - (part of the surgical limit)

Covered

Not covered

Pharmacological treatment of acute and chronic ENT infections

Covered

Not 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.

Covered

Not covered

Movement of patients from Hospital to Hospital

Covered

Not covered

Movement of patients from Home/Accident Scene to Hospital

Covered

Not 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

NGN50,000

Not covered

AccidentAndEmergency

NGN50,000

Not covered

Movement of patients from hospital to hospital

Covered

Not covered

Movement of patients from home or accident scene to hospital

Covered

Not covered

Lenses covered up to NGN30,000

NGN30,000

Not covered

Frames covered up to NGN30,000

NGN30,000

Not covered

Routine ocular examination

Covered

Not covered

Ocular tests-Lenses Covered NGN20,000

NGN20,000

Not covered

Ocular tests-Frames Covered NGN20,000

NGN20,000

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

Access to prescribed drugs

Covered

Not covered

Care-Lenses Covered NGN15,000

NGN15,000

Not covered

Care-Frames Covered NGN15,000

NGN15,000

Not covered

Copper T intrauterine device

Covered

Not covered

Lippes Loop intrauterine device

Covered

Not covered

Norplant

NGN500,000

Not covered

ManualVacuumAspiration

Emergency or elective Caesarean section

Not covered

Fertility services-Investigation and treatment at limits per plan NGN45,000

NGN45,000

Not covered

Copper T Intrauterine Device

Covered

Not covered

Lippes loop Intrauterine Device

Covered

Not covered

Norplant-Surgeries Covered Up to Surgery Limit of NGN500,000

NGN500,000

Not covered

Emergency or Elective Caesarean Section

Covered

Not covered

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

NGN7,000

Not covered

InvestigationAndTreatment

NGN45,000

Not covered

Everything in ZenCare

Covered

Not covered

Prescription drug coverage (Part D)

Covered

Not covered

Dental, vision, and hearing coverage

Covered

Not covered

Telehealth services

Covered

Not covered

Treatment of chronic conditions

Covered

Not covered

Pharmacological treatment of acute and chronic ocular infections

Covered

Not covered

Diagnosis confirmation from secondary and tertiary care centres

Covered

Not covered

Line of treatment confirmation from secondary and tertiary care centres

Covered

Not 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.

Covered

Not covered

Care-Investigation and treatment at limits per plan NGN15,000

NGN15,000

Not covered

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

NGN200,000

Not covered

Mental illnesses Covered for Outpatient cases Only (4 weeks)

Covered

Not covered

Care-Surgeries Covered up to surgery limit of NGN100,000

NGN100,000

Not covered

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

NGN100,000

Not covered

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

NGN100,000

Not covered

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

NGN100,000

Not covered

Benefits Available after 11 MONTHS

Covered

Care-Renal Care Covered Up to NGN40,000 Limit

NGN40,000

Not covered

Seeking second option Covered within HMO network

Covered

Not covered

Benefits Available after 4 MONTHS

Covered

Not covered

Mental illnesses-Eye Care Covered up to NGN5,000

NGN5,000

Not covered

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

NGN100,000

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

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

SemiPrivateWard

Services': ['Admissions and accommodation', 'Feeding for enrollees on admission', '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 (up to 2 days)']}

Not covered

GeneralWard

Services': ['Feeding for enrollees on admission (up to 10 days/year for dialysis, 5 days/year for tier D)', 'Skilled medical and paramedical services', 'Accommodation for parents of admitted infants']}

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']}

NPI Immunisation (0-5 Years)

Covered

Not covered

Vitamin A Supplementation

Covered

Not covered

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

NGN6,000

Not covered

NPI

Covered for ages 0-5 years

Not covered

VitaminA

Supplementation

Not covered

Pneumococcal

NGN6,000

Not covered

Unlimited inpatient limit

Covered

Not covered

Unlimited Inpatient Limit

Covered

Not covered

Feeding for enrolees on admission Semi-Private Ward

Covered

Not covered

Hospital Ward Care Semi-Private Ward

Covered

Not covered

Skilled medical and paramedical services Semi-Private Ward

Covered

Not covered

Accommodation for parents whose infants are on admission 2 Days

Covered

Not covered

Feeding for enrolees on admission General Ward

Covered

Not covered

Hospital Ward Care General Ward

Covered

Not covered

Skilled medical and paramedical services General Ward

Covered

Not covered

Accommodation for parents whose infants are on admission

Covered

Not covered

Inpatient /Hospitalization Benefit Abroad

Covered

Not covered

Dialysis-Inpatient Limit up to NGN400,000

NGN400,000

Not covered

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

Covered

Primary Dental Care-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

PersonalHealthEquipment

Blood pressure machine, glucometer, trackers

Not covered

BasicImaging

X-rays and ultrasounds (e.g., chest, abdominal, limb, neck, skull, lumbosacral, body joints; not limited to list)

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)

AdvancedImaging

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

Not covered

Health talks, education forums, or wellness fairs (up to 12 weeks)

Covered

Not covered

Fitness and wellness programs

Covered

Not covered

Subsidized Fitness/ nutritional club membership (for non-network gym) 10%

Covered

Not covered

Network Gym Access Covered (2 sessions per week)

2 sessions

Not covered

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

Covered

Not covered

Health Talks/ Education forum or wellness fairs 4 weeks

Covered

Not covered

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

Covered

Not covered

FitnessClub

Subsidized membership for non-network gyms (10%)

Not covered

NetworkGym

2 sessions

Not covered

HealthChecks

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

Not covered

Inpatient

Unlimited

NGN400,000

Outpatient

Unlimited

NGN250,000

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

NGN100,000

Not covered

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

NGN100,000

Not covered

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

NGN30,000

Employee Assistance Program / Stress Management (up to 12 weeks)

Covered

Not covered

Covid Home Care Kit (up to plan limit, 12 weeks)

Covered

Not covered

Employee Assistance Program / Stress Management 6 weeks

Covered

Not covered

Covid Home Care Kit - up to limit on the plan

Covered

Not covered

Health Talks/ Education forum or wellness fairs

Covered

Not covered

Mental illnesses Covered for Outpatient cases Only (6 weeks)

Covered

Not covered

Employee Assistance Program / Stress Management 4 weeks

Covered

Not covered

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

Covered

Not covered

EmployeeAssistanceProgram

6 weeks

Not covered

CovidHomeCareKit

Covered up to plan limit

Not covered

HealthEducation

Health talks, education forums, or wellness fairs

Not covered

PsychiatryCare

6 weeks

Not covered

Ear Piercing-Special Baby Care Unit (Intensive Care Unit - including Life Support, Phototherapy & Incubator Care) 10 Days (NGN300,000)

NGN10,000

Not covered

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

NGN200,000

Not covered

Unlimited outpatient limit

Covered

Not covered

Specialist consultations (limited based on plan type, up to 12 weeks)

Covered

Not covered

Unlimited Outpatient Limit

Covered

Not 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

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

Covered

Not covered

Specialist Consultations on Outpatient Cases Only; limited based on type of plans 6 weeks

Covered

Not covered

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

Covered

Not covered

Dialysis-Outpatient Limit up to NGN250,000

NGN250,000

Not covered

Specialist Consultations Once / Month

Covered

Primary Dental Care-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

Physiotherapy Care Covered (12 sessions)

12 sessions

Not covered

Routine fitness examination

Covered

Not covered

Preventive Counselling on referral

Covered

Not covered

Physiotherapy Care Covered (5 sessions)

5 sessions

Not covered

Coverage

12 sessions

Not covered

RoutineFitnessExamination

Covered

Not covered

PreventiveCounseling

On referral

Not covered

General Physical Examination

Covered

Not covered

Blood Pressure Check (Hypertension Screening)

Covered

Not covered

Blood Sugar Check (Diabetes Screening)

Covered

Not covered

Annual Prostate Specific Antigen screening for men over 40 years

Covered

Not covered

E/U/Cr-Mammogram, cervical smear for women over 35 years every 2 years (every other year)

Covered

Not covered

BMI check (general physical examination)

Covered

Not covered

Blood pressure check (hypertension screening)

Covered

Not covered

Blood sugar check (diabetes screening)

Covered

Not covered

Men

Annual prostate-specific antigen screening (over 40 years)

Not covered

Women

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

Not covered

Dialysis 6 Sessions

Covered

Not covered

Dialysis 3 Sessions

Covered

Not covered

Benefits Available after 24 hours

Covered

Not covered

Dialysis-Pharmacy Limit up to NGN50,000

NGN50,000

Not covered

Treatment of basic medical outpatient and in-patient cases

Covered

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

Not covered

Diagnosis confirmation from secondary and tertiary care centers

Covered

Not covered

Line of treatment confirmation from secondary and tertiary care centers

Covered

Not covered

Covered within HMO network (mental illnesses)

Covered

Not covered

Telemedicine

24-hour free chat access to healthcare professionals

Not covered

ENT surgeries (part of surgical limit)

Covered

Not covered

General

Chronic disease medication with drug delivery and pickup at partner pharmacies

Not covered

Frequency

Once per month (for dialysis patients)

Not covered

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

Covered

Not covered

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 2 Days

Covered

Not covered

Availability

Not covered

Benefits available after 24 hours

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

Not covered

Covered

Diagnostics services like X-Rays and Ultrasounds

Not covered

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

Not covered

Covered

Not covered

NGN50,000

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

Not covered

Covered

Family planning covered up to NGN7,000

Not covered

Covered

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

Not covered

NGN7,000

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

Not covered

NGN50,000

Access to C-D tier hospitals

Not covered

Covered

Pharmacy coverage up to NGN100,000

Not covered

NGN100,000

Specialized care coverage

Not covered

Covered

24-hour free chat access to healthcare professionals

Not covered

Covered

Free chats with doctors and nurses during medical emergencies

Not covered

Covered

Free chats with doctors and nurses for routine medical information

Not covered

Covered

Benefits Available after 5 days

Not covered

Covered

Pharmacy Limit up to NGN50,000

Not covered

NGN50,000

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

Not covered

Covered

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

Not covered

Covered

-Seeking second option Covered within HMO network

Not covered

Covered

-Benefits Available after 4 MONTHS

Not covered

Covered

-Eye Care Covered up to NGN5,000

Not covered

NGN5,000

Treatment of basic medical outpatient and inpatient cases

Not covered

Covered

Specialist consultations once per month

Not covered

Covered

Preventive dental care and counseling

Not covered

Covered

Dental pain therapy at primary healthcare centers

Not covered

Covered

Inpatient limit up to NGN50,000

Not covered

Covered

Outpatient limit up to NGN50,000

Not covered

Covered

General ward admission with feeding

Not covered

Covered

Inpatient Limit up to NGN400,000

Not covered

NGN400,000

Ear Piercing-Inpatient Limit up to NGN150,000

Not covered

NGN150,000

Pharmacy

Not covered

NGN50,000

Ear Piercing-Pharmacy Limit up to NGN150,000

Not covered

NGN150,000

Outpatient Limit up to NGN250,000

Not covered

NGN250,000

Ear Piercing-Outpatient Limit up to NGN150,000

Not covered

NGN150,000

Seeking second opinion covered within HMO network

Not covered

Covered

Eye care covered up to NGN5,000

Not covered

Covered

Surgeries

Not covered

NGN70,000

Obstetrics

Not covered

NGN50,000

Neonatal

Not covered

NGN50,000

AdditionalLimits

Not covered

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

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