ZenCare Plus vs PrimeCare
ZenCare Plus costs ₦37,500 less per month.
Bastion HMO
ZenCare Plus
₦20,000
per month
Bastion HMO
PrimeCare
₦57,500
per month
Plan details
Plan type
Waiting period
Inpatient limit
Outpatient limit
About
Benefits
Showing 348 of 348 benefits
Seeking second option-Mortuary Services Covered Up to NGN75,000 Limit
Care-Death Cover Covered Up to NGN75,000 Limit
Care-Mortuary Services Covered Up to NGN50,000 Limit
Care-Death Cover Covered Up to NGN50,000 Limit
Care-Mortuary Services Covered Up to NGN40,000 Limit
MortuaryServices
DeathCover
Investigation and treatment at limits per plan (NGN15,000)
Care for comatose and unconscious enrollees, pain management, stabilization, chronic disease treatment, ventilator care, diabetes management, long-term care (up to 2 days)
X-rays and ultrasounds (not limited to list)
Advanced investigations (CT scan, MRI scan, echocardiography, electrocardiography; CT scan always covered, MRI for emergencies)
Feeding for enrollees on admission (General Ward)
Hospital ward care (General Ward)
Skilled medical and paramedical services (General Ward)
Accommodation for parents of admitted infants
Inpatient hospitalization benefit abroad
Specialist consultations on outpatient cases only (limited based on plan type, up to 4 weeks)
Employee Assistance Program / Stress Management (4 weeks)
Covid Home Care Kit (up to plan limit, 4 weeks)
Health talks, education forums, or wellness fairs (4 weeks)
Lenses covered up to NGN15,000
Frames covered up to NGN15,000
Primary dental care covered up to NGN20,000
Physiotherapy care covered (5 sessions)
Subsidized fitness/nutritional club membership (for non-network gym)
Surgeries covered up to NGN200,000
Special Baby Care Unit (2 days, NGN100,000)
Dialysis (3 sessions)
Cancer care (consultation, admission, counseling, hospice care, surgical, chemotherapy, radiotherapy; up to NGN300,000)
Mental illnesses covered for outpatient cases only (4 weeks)
Mortuary services covered up to NGN50,000
Death cover covered up to NGN50,000
Annual Checkup - available after 7 months
Surgeries (minor, intermediate, major) covered up to NGN100,000
Mortuary services covered up to NGN40,000
Benefits available after 11 months
Obstetrics care covered up to maternity limit of NGN100,000
Neonatal care covered up to maternity limit of NGN100,000
Renal care covered up to NGN40,000
Cancer care-Consultation, Admission, Counselling, Hospice Care , Surgical - Chemotherapy - Radiotherapy; Covered Up to NGN750,000
Care-Consultation, Admission, Counselling, Hospice Care , Surgical - Chemotherapy - Radiotherapy; Covered Up to NGN300,000
Consultation
Admission
Counseling
Hospice care
Surgical treatment
Chemotherapy
Radiotherapy
Limit
Primary dental care covered up to NGN80,000
Ocular tests-Primary Dental Care Covered Up to Overall Dental Limit of NGN50,000
Ocular tests-Secondary Dental Care Covered Up to Overall Dental Limit of NGN50,000
Care-Primary Dental Care Covered Up to Overall Dental Limit of NGN20,000
Primary Dental Care-Secondary Dental Care Covered Up to Overall Dental Limit of NGN5,000.
Primary Dental Care-Surgeries Covered up to surgery limit of NGN70,000
Primary Dental Care-Obstetrics Care Covered up to Maternity Limit of NGN50,000
Primary Dental Care-Neonatal Care Covered up to Maternity Limit of NGN50,000
Primary Dental Care-Pharmacy Limit up to NGN150,000
Hospital access tier D-Primary Dental Care Covered Up to Overall Dental Limit of NGN5,000.
Laboratory tests-Personal health equipment - BP machine, Glucometer, Trackers
-Advanced Investigations, limited to CT Scan, MRI Scan, Echocardiography, Electrocardiography
Admissions and Accomodation
Serology-Supply of prescribed intravenous/intramuscular, oral and topical drugs
Supply of all medical and surgical consumables
Serology-Blood grouping, cross matching, and transfusion
Accommodation for in-patient care
X-Rays and Ultrasounds Covered (Not limited to the list)
Care-Advanced Investigations, limited to CT Scan, MRI Scan, Echocardiography, Electrocardiography CT scan only and emergency cases for MRI
Treatment of acute and chronic ENT diseases
ENT Surgeries - (part of the surgical limit)
Pharmacological treatment of acute and chronic ENT infections
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.
Movement of patients from Hospital to Hospital
Movement of patients from Home/Accident Scene to Hospital
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
AccidentAndEmergency
Movement of patients from hospital to hospital
Movement of patients from home or accident scene to hospital
Lenses covered up to NGN30,000
Frames covered up to NGN30,000
Routine ocular examination
Ocular tests-Lenses Covered NGN20,000
Ocular tests-Frames Covered NGN20,000
Routine dental examination
Preventive dental care and counselling
Dental pain therapy at primary healthcare centres
Pharmacological treatment of acute and chronic dental infections
Access to prescribed drugs
Care-Lenses Covered NGN15,000
Care-Frames Covered NGN15,000
Copper T intrauterine device
Lippes Loop intrauterine device
Norplant
ManualVacuumAspiration
Fertility services-Investigation and treatment at limits per plan NGN45,000
Copper T Intrauterine Device
Lippes loop Intrauterine Device
Norplant-Surgeries Covered Up to Surgery Limit of NGN500,000
Emergency or Elective Caesarean Section
Hospital Ward Care-Family Planning Covered Up to NGN7,000
InvestigationAndTreatment
Everything in ZenCare
Prescription drug coverage (Part D)
Dental, vision, and hearing coverage
Telehealth services
Treatment of chronic conditions
Pharmacological treatment of acute and chronic ocular infections
Diagnosis confirmation from secondary and tertiary care centres
Line of treatment confirmation from secondary and tertiary care centres
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.
Care-Investigation and treatment at limits per plan NGN15,000
Care-Surgeries Covered Up to Surgery Limit of NGN200,000
Mental illnesses Covered for Outpatient cases Only (4 weeks)
Care-Surgeries Covered up to surgery limit of NGN100,000
Care-Minor surgeries Covered up to surgery limit of NGN100,000
Care-Intermediate surgeries Covered up to surgery limit of NGN100,000
Care-Major surgeries Covered up to surgery limit of NGN100,000
Benefits Available after 11 MONTHS
Care-Renal Care Covered Up to NGN40,000 Limit
Seeking second option Covered within HMO network
Benefits Available after 4 MONTHS
Mental illnesses-Eye Care Covered up to NGN5,000
Hospital access tier D-Pharmacy Limit up to NGN100,000
Skilled medical and paramedical services
Feeding for enrollees on admission - General Ward (up to 5 days/year)
Primary dental care covered up to NGN5,000
Obstetrics care covered up to maternity limit of NGN30,000
Inpatient limit up to NGN100,000
Outpatient limit up to NGN100,000
Pharmacy limit up to NGN100,000
SemiPrivateWard
GeneralWard
NPI Immunisation (0-5 Years)
Vitamin A Supplementation
Pneumococcal-Additional Immunization (6Yrs and above) Covered Up to NGN7,000
NPI
VitaminA
Pneumococcal
Unlimited inpatient limit
Unlimited Inpatient Limit
Feeding for enrolees on admission Semi-Private Ward
Hospital Ward Care Semi-Private Ward
Skilled medical and paramedical services Semi-Private Ward
Accommodation for parents whose infants are on admission 2 Days
Feeding for enrolees on admission General Ward
Hospital Ward Care General Ward
Skilled medical and paramedical services General Ward
Accommodation for parents whose infants are on admission
Inpatient /Hospitalization Benefit Abroad
Dialysis-Inpatient Limit up to NGN400,000
Feeding for enrolees on admission General Ward (Up to 10 Days/year)
Primary Dental Care-Inpatient Limit up to NGN150,000
Feeding for enrolees on admission - General Ward (Up to 5 Days/year)
Hospital access tier D-Inpatient Limit up to NGN100,000
Hospital access tier D-Inpatient Limit up to NGN50,000
Care for comatose and unconscious enrollees
Pain management
Stabilization and maintenance treatment for chronic diseases
Ventilator care
Management of diabetes and diabetic emergencies
Long-term skilled and semi-skilled hospital care
PersonalHealthEquipment
BasicImaging
AdvancedImaging
Health talks, education forums, or wellness fairs (up to 12 weeks)
Fitness and wellness programs
Subsidized Fitness/ nutritional club membership (for non-network gym) 10%
Network Gym Access Covered (2 sessions per week)
Lifestyle Management-On-site Health Checks, Health Talks/ Education forum or wellness fairs
Health Talks/ Education forum or wellness fairs 4 weeks
Subsidized Fitness/ nutritional club membership (for non-network gym)
FitnessClub
NetworkGym
HealthChecks
Inpatient
Outpatient
Care-Obstetrics Care Covered up to Maternity Limit of NGN100,000
Care-Neonatal Care Covered up to Maternity Limit of NGN100,000
Hospital access tier D-Obstetrics Care Covered up to Maternity Limit of NGN30,000
Employee Assistance Program / Stress Management (up to 12 weeks)
Covid Home Care Kit (up to plan limit, 12 weeks)
Employee Assistance Program / Stress Management 6 weeks
Covid Home Care Kit - up to limit on the plan
Health Talks/ Education forum or wellness fairs
Mental illnesses Covered for Outpatient cases Only (6 weeks)
Employee Assistance Program / Stress Management 4 weeks
Covid Home Care Kit - up to limit on the plan 4 weeks
EmployeeAssistanceProgram
CovidHomeCareKit
HealthEducation
PsychiatryCare
Ear Piercing-Special Baby Care Unit (Intensive Care Unit - including Life Support, Phototherapy & Incubator Care) 10 Days (NGN300,000)
Care-Special Baby Care Unit (Intensive Care Unit - including Life Support, Phototherapy & Incubator Care) 2 Days (NGN100,000)
Unlimited outpatient limit
Specialist consultations (limited based on plan type, up to 12 weeks)
Unlimited Outpatient Limit
24 Hours free chat access to healthcare professionals
Free chats with Doctors and Nurses when in need of care during any medical emergency
Free chats with Doctors and Nurses when in need of any routine medical information
Chronic Disease Medication - drug delivery and pick up at partner pharmacies
Specialist Consultations on Outpatient Cases Only; limited based on type of plans 6 weeks
Specialist Consultations on Outpatient Cases Only; limited based on type of plans 4 weeks
Dialysis-Outpatient Limit up to NGN250,000
Specialist Consultations Once / Month
Primary Dental Care-Outpatient Limit up to NGN150,000
Hospital access tier D-Outpatient Limit up to NGN100,000
Hospital access tier D-Outpatient Limit up to NGN50,000
Physiotherapy Care Covered (12 sessions)
Routine fitness examination
Preventive Counselling on referral
Physiotherapy Care Covered (5 sessions)
Coverage
RoutineFitnessExamination
PreventiveCounseling
General Physical Examination
Blood Pressure Check (Hypertension Screening)
Blood Sugar Check (Diabetes Screening)
Annual Prostate Specific Antigen screening for men over 40 years
E/U/Cr-Mammogram, cervical smear for women over 35 years every 2 years (every other year)
BMI check (general physical examination)
Blood pressure check (hypertension screening)
Blood sugar check (diabetes screening)
Men
Women
Dialysis 6 Sessions
Dialysis 3 Sessions
Benefits Available after 24 hours
Dialysis-Pharmacy Limit up to NGN50,000
Treatment of basic medical outpatient and in-patient cases
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
Diagnosis confirmation from secondary and tertiary care centers
Line of treatment confirmation from secondary and tertiary care centers
Covered within HMO network (mental illnesses)
Telemedicine
ENT surgeries (part of surgical limit)
General
Frequency
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
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
Seeking second option-Mortuary Services Covered Up to NGN100,000 Limit
CoverEnrollee 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.
CoverPersonal health equipment - BP machine, Glucometer, Trackers
CoverInvestigation and treatment at limits per plan NGN45,000
CoverFor 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
-Mortuary Services Covered Up to NGN75,000 Limit
-Death Cover Covered Up to NGN75,000 Limit
-Mortuary Services Covered Up to NGN50,000 Limit
-Death Cover Covered Up to NGN50,000 Limit
-Mortuary Services Covered Up to NGN40,000 Limit
Cancer care-Consultation, Admission, Counselling, Hospice Care , Surgical - Chemotherapy - Radiotherapy; Covered
-Consultation, Admission, Counselling, Hospice Care , Surgical - Chemotherapy - Radiotherapy; Covered Up to NGN750,000
-Consultation, Admission, Counselling, Hospice Care , Surgical - Chemotherapy - Radiotherapy; Covered Up to NGN300,000
Personal health equipment (BP machine, glucometer, trackers)
Investigation and treatment at limits per plan (NGN45,000)
Care for comatose and unconscious enrollees, pain management, stabilization, chronic disease treatment, ventilator care, diabetes management, long-term skilled and semi-skilled hospital care
Ocular tests-Primary Dental Care Covered up to NGN80,000
Ocular tests-Secondary Dental Care Covered up to NGN80,000
-Primary Dental Care Covered Up to Overall Dental Limit of NGN50,000
-Secondary Dental Care Covered Up to Overall Dental Limit of NGN50,000
-Primary Dental Care Covered Up to Overall Dental Limit of NGN20,000
Laboratory tests-Personal health equipment - BP machine, Glucometer, Trackers Covered only on medical diagnosis
Diagnostics and imaging-Advanced Investigations, limited to CT Scan, MRI Scan, Echocardiography, Electrocardiography Covered (Not limited to the list)
-Advanced Investigations, limited to CT Scan, MRI Scan, Echocardiography, Electrocardiography CT scan only and emergency cases for MRI
Ocular tests-Lenses Covered up to NGN30,000
Ocular tests-Frames Covered up to NGN30,000
-Lenses Covered NGN20,000
-Frames Covered NGN20,000
-Lenses Covered NGN15,000
-Frames Covered NGN15,000
Emergency or elective Caesarean section
Reimbursement of delivery abroad: Normal - $150, Caesarean - $250
Fertility services-Investigation and treatment at limits per plan NGN75,000
Norplant-Surgeries Covered Up to Surgery Limit of NGN1,500,000
Manual Vacuum Aspiration-Reimbursement of Delivery Abroad Normal -$150, CS-$250
Everything in ZenCare Plus
Dental pain therapy at primary healthcare centers
Maternity care upto prescribed maternity limits
Free chats with doctors and nurses for routine medical information
CT scan
MRI scan
Echocardiography
Electrocardiography
Blood grouping, cross-matching, and transfusion
Accommodation for inpatient care / admissions
-Additional Immunization (6Yrs and above) Covered Up to NGN7,000
-Surgeries Covered Up to Surgery Limit of NGN500,000
-Investigation and treatment at limits per plan NGN15,000
-Surgeries Covered Up to Surgery Limit of NGN200,000
-Mental illnesses Covered for Outpatient cases Only (4 weeks)
-Annual Checkup - available after 7 months
-Surgeries Covered up to surgery limit of NGN100,000
-Minor surgeries Covered up to surgery limit of NGN100,000
-Intermediate surgeries Covered up to surgery limit of NGN100,000
-Major surgeries Covered up to surgery limit of NGN100,000
-Benefits Available after 11 MONTHS
-Renal Care Covered Up to NGN40,000 Limit
PrivateWard
Pneumococcal-Additional Immunization (6Yrs and above) Covered Up to NGN10,000
Unlimited Inpatient Limit
Accommodation for parents of admitted infants (up to 5 days)
Feeding for enrolees on admission Private ward
Hospital Ward Care Private ward
Skilled medical and paramedical services Private ward
Accommodation for parents whose infants are on admission 3 days
Serology-Inpatient /Hospitalization Benefit Abroad NGN250,000
- Feeding for enrolees on admission Semi-Private Ward
- Hospital Ward Care Semi-Private Ward
- Skilled medical and paramedical services Semi-Private Ward
- Accommodation for parents whose infants are on admission 2 Days
-Feeding for enrolees on admission General Ward
-Hospital Ward Care General Ward
-Skilled medical and paramedical services General Ward
-Accommodation for parents whose infants are on admission
-Inpatient /Hospitalization Benefit Abroad
Long-term skilled and semi-skilled hospital care (up to 5 days)
-Health Talks/ Education forum or wellness fairs 4 weeks
-Subsidized Fitness/ nutritional club membership (for non-network gym)
-Obstetrics Care Covered up to Maternity Limit of NGN100,000
-Neonatal Care Covered up to Maternity Limit of NGN100,000
Employee Assistance Program / Stress Management 8 weeks
HIV care and treatment Covered (at designated approved centres)
Specialist Consultation Covered (at designated approved centres)
Specialist Drug therapy Covered (at designated approved centres)
Psychotherapy Covered (at designated approved centres)
- Employee Assistance Program / Stress Management 6 weeks
-Employee Assistance Program / Stress Management 4 weeks
-Covid Home Care Kit - up to limit on the plan 4 weeks
Mental illnesses covered for outpatient cases only (up to 6 weeks)
HIV care and treatment (at designated approved centers)
Specialist consultation (at designated approved centers)
Specialist drug therapy (at designated approved centers)
Psychotherapy (at designated approved centers)
Ear Piercing-Special Baby Care Unit (Intensive Care Unit - including Life Support, Phototherapy & Incubator Care) 18 days (NGN500,000)
-Special Baby Care Unit (Intensive Care Unit - including Life Support, Phototherapy & Incubator Care) 10 Days (NGN300,000)
-Special Baby Care Unit (Intensive Care Unit - including Life Support, Phototherapy & Incubator Care) 2 Days (NGN100,000)
Specialist Consultations on Outpatient Cases Only; limited based on type of plans 8 weeks
- Specialist Consultations on Outpatient Cases Only; limited based on type of plans 6 weeks
-Specialist Consultations on Outpatient Cases Only; limited based on type of plans 4 weeks
Physiotherapy Care Covered upto 10 sessions
Physiotherapy Care Covered (17 sessions)
- Physiotherapy Care Covered (12 sessions)
-Physiotherapy Care Covered (5 sessions)
Care for comatose and unconscious enrollees, pain management, stabilization, chronic disease treatment, ventilator care, diabetes management, long-term skilled and semi-skilled hospital care (up to 2 days)
Dialysis 12 sessions
- Dialysis 6 Sessions
-Dialysis 3 Sessions
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 5 Days
-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
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