An individual and family health plan is a private health insurance policy designed for individuals and families who want access to quality healthcare services without relying on employer-sponsored coverage.

Anyone, including self-employed individuals, freelancers, retirees, and those without employer-provided health insurance, can purchase a personal health plan from Bastion HMO.

Our plans offer access to a wide range of healthcare services, including consultations, hospital admissions, diagnostic tests, prescription medications, surgeries, maternity care, and emergency treatments.

Coverage varies depending on the plan selected but may include:

• Outpatient care (doctor consultations, diagnostic tests, prescriptions)
  
  
• Inpatient care (hospital admissions, surgeries)
  
  
• Maternity care (antenatal, delivery, postnatal services subject to waiting period as stated on the plan)
  
  
• Emergency medical services
  
  
• Preventive healthcare (annual check-ups, vaccinations)
  
  
• Dental and optical care (based on plan type)

Bastion HMO has a wide network of accredited hospitals and healthcare providers across Nigeria. You can access care at any facility within your plan type.

Coverage for pre-existing conditions depends on the plan chosen. All Individual and family plans have a waiting period before pre-existing conditions are covered.

Yes, our plans include access to specialist consultations such as cardiology, gynecology, pediatrics, and more, depending on the level of coverage selected.

Simply present your Bastion HMO ID at any of our partnered hospitals within your plan type to receive treatment. Our 24/7 customer support is available for assistance

Some medical procedures, hospital admissions, and specialist treatments may require pre-authorization from Bastion HMO. While for primary care pre-authorization is automated via our provider portal at the hospitals.

Enrollees are advised to access care at a nearby facility as Health is priority. They are, however, advised to reach out to us within 48 hours of visit to a non-network facility

The health Insurance scheme is available both home and abroad. The international plans can be accessed outside the country while the local plans are accessible within the country.

Yes, you can upgrade your plan at any time by contacting our customer support team. Downgrades are subject to certain conditions.

Yes, we offer family plans that allow you to cover your spouse and children under a single policy.

If a payment is missed, your plan may be temporarily suspended until the outstanding balance is settled. Continuous non-payment may lead to policy termination.

You can sign up by visiting our website, contacting our customer care team.

The cost varies based on the selected plan, level of coverage, and additional benefits.

We accept payments via bank transfer, online payment platforms, direct debit, and cash deposits at designated partner banks. Monthly, quarterly, and annual payment options are available.

You can reach us via:

• Customer Care Lines: 08002278466, 02018889277
  
  
• Email: [email protected]