Protecting your family’s health is one of the most important investments you can make. But with numerous options available, finding the right balance between cost and care can feel overwhelming. This guide simplifies the process to help you select the ideal plan for your loved ones.
Why Your Family Needs Health Insurance Now
- Financial Protection: One medical emergency shouldn’t wipe out your life savings.
- Preventive Care: Regular check-ups catch health issues before they become crises.
- Maternal & Child Health: Quality care during pregnancy and for infants is a non-negotiable priority.
- Peace of Mind: Knowing your spouse, children, and parents are protected reduces daily stress.
Key Factors to Consider When Comparing Plans
Use this checklist to evaluate any HMO provider:
| Factor | What to Look For | Questions to Ask |
|---|---|---|
| Coverage Scope | Comprehensive benefits for all family members | Does it cover maternity? Pediatric care? Chronic conditions? |
| Network Hospitals | Facilities near your home and work | Are my preferred hospitals in-network? |
| Premiums vs. Limits | Balance between cost and coverage caps | What are the limits for surgeries? Admissions? |
| Additional Benefits | Value-added services | Is telemedicine included? Wellness programs? |
| Family Size Flexibility | Plans that accommodate your specific family structure | Can I add children of different ages? Elderly parents? |
| Plan | Annual Premium | Annual Cover Limit | Best For |
|---|---|---|---|
| Jade | ₦30,628 | ₦500,000 | Young families, essential coverage |
| Beryl | ₦67,753 | ₦750,000 | Growing families, enhanced benefits |
| Ruby | ₦98,054 | ₦1,000,000 | Families needing maternal coverage |
| Sapphire | ₦160,679 | ₦1,500,000 | Comprehensive family protection |
| Emerald | ₦218,367 | ₦2,500,000 | Premium coverage with neonatal care |
| Diamond | ₦344,757 | ₦3,500,000 | Extensive coverage including private ward |
| Crimson | ₦574,219 | ₦5,000,000 | Ultimate family protection |
Specialized Care for Your Family’s Life Stage
1. Young Families (Expecting or New Parents)
Recommendation: Ruby Plan or Higher.
These tiers provide enhanced maternal and postnatal care. Crucially, they include neonatal intensive care (NICU) and coverage for congenital anomalies, ensuring your newborn has the best start.
These tiers provide enhanced maternal and postnatal care. Crucially, they include neonatal intensive care (NICU) and coverage for congenital anomalies, ensuring your newborn has the best start.
2. Families with Growing Children
Recommendation: Sapphire or Emerald Plans.
These offer robust pediatric coverage, including all essential childhood immunizations, as well as dental and optical benefits for your children’s developing needs.
These offer robust pediatric coverage, including all essential childhood immunizations, as well as dental and optical benefits for your children’s developing needs.
3. Multi-Generational Families
Recommendation: Mixed Plans.
Consider combining standard family tiers with Bastion’s Seniors Plans (Oak, Blossom, or Golden) for elderly parents who require specialized chronic disease management for conditions like hypertension or diabetes.
Consider combining standard family tiers with Bastion’s Seniors Plans (Oak, Blossom, or Golden) for elderly parents who require specialized chronic disease management for conditions like hypertension or diabetes.
Standard Benefits Included Across All Bastion Plans
Regardless of the tier you choose, your family enjoys:
- Telemedicine: Unlimited virtual doctor consultations via the Bastion App.
- Maternal Care: Coverage for pregnancy, delivery, and postnatal follow-ups.
- Wellness Support: Annual health screenings and mental health resources.
- Specialist Access: Dental and optical care for routine check-ups.
5 Simple Steps to Enroll
- Assess Needs: List any existing conditions or planned pregnancies.
- Set Your Budget: Determine your comfortable annual spend using the table above.
- Compare Tiers: Match your medical priorities to the corresponding Bastion plan.
- Verify Hospitals: Confirm your local clinics are part of the 1,800+ Bastion Provider Network.
- Enroll Online: Complete your registration and payment from the comfort of your home.
Protect your family with Bastion Health today – because their health is your greatest wealth.
