Terms & Conditions


Throughout this Terms of Use Agreement, the following terms shall have the meanings ascribed herein:

  • “Bastion” “we”, “us”, or “our” refers to Bastion Health Limited;

“You,” “customer,” and “user” refers to you, users of our Services and any entity or organization you or such users represent;

  • “Parties” refers to Bastion and the customer collectively and “Party” refers to Bastion or the Customer;
  • “Website” refers to www.bastionhmo.com and its sub-domains, our mobile apps and services which incorporates this Terms of Use;
  • “Services” refers to products and services branded with the Bastion name, collectively, the Website, widgets, information, services, email notifications
    and other media, or portions of such media, through which you have accessed this Terms of Use.

Privacy Policy

  • By using our Services, you acknowledge that you have read and understood our Privacy Policy. The Terms of Use incorporate this Privacy Policy in full and, by agreeing to the Terms of Use, you agree to be bound by the terms of the Privacy Policy.

Your Compliance with The Terms of Use

  • By  using  our  Services  and visiting  our  Website,  you  voluntarily  accept  and consent to the Terms of Use, and your consent and acceptance are supported by sufficient and valuable consideration. You acknowledge that this consideration includes, but is not limited to, access to our Services and your ability to interact with our Services. You expressly represent that you have the capacity to agree to be  bound  to  the  Terms  of  Use  and  given  that  you  are  acting  on  behalf  of  a business entity or other organization, agree that you have the authority to so bind that entity or organization.

Representation of Data Collection

  • You  consent  to  and  agree  that Bastion  may  collect  data  and  Personal  Data,  as defined under our Privacy Policy from you even though we may not be able to offer you any available products or services for purchase. If you voluntarily provide us  with  any  information  about  yourself or  a  third  party,  you  agree that Bastion reserves  the  right  to  use  that  data  for  market  analysis,  advertising,  or  other commercial purposes. This is true even if Bastion cannot offer you or a third-party products or services for sale at the time you provide us with this information.

Consent to Receive Electronic Copies of Insurance Documents

  • By signing up for our Services, you consent to receive all insurance documents, including  identification  cards,  in  electronic  form  only  to  an  email  address  you provide.You  can  access  your  Membership  ID  cards,  policy  documents,  and  related information via any modern web browser on an internet-connected device such as  a  tablet,  phone,  or  laptop.  If  you  are  unable  to  gain  access  to  one  of  these devices,  please  call  Bastion  on  07034147143  and  one  of  our  agents  can  provide you with a physical copy.

Online Registration

  • You may choose to create a user account for yourself on our website. Registration will  require  a  one-time  password  or  access  to  your  email  inbox  for  verification. You may not use an email address which purports to represent or impersonate a person  other  than  yourself.  We  reserve  the  right  to  refuse  or  cancel  the registration  of  any  username  at  our  sole  discretion.  You  are  responsible  for maintaining  the  confidentiality  of  your  username  and  password.  You  further agree  to  notify  us  immediately,  at  07034147143,  if  you  become  aware  of  any unauthorized use involving your username and/or password.

Use of Our Services

  • Our   Services,   as   well   as   their   underlying   processes,   related   content,   and generated data, may not be used for personal or commercial use, except for the purpose  of  Our  Service.  You  may  not  copy, reproduce,  sell,  distribute,  replicate, duplicate,  relay,  transmit,  broadcast,  or  license  our  Services  or  their  underlying processes, related content, or generated data without Bastion’s prior express written consent. Your use of our Services is not transferable by you to any other person  or  entity.  Your  access  and  use  of  our  Services  may  be  interrupted  by, without limitation, maintenance of our equipment or networks, malfunction of our  equipment  or  networks,  or  inadvertently  by  a  third  party  or  parties.  We reserve the sole right to suspend or discontinue the availability of our Services at any time in our sole discretion and without prior notice or consent.

Prohibited Activities

  • You are responsible for anything you transmit to or through Bastion’s Website or to  Bastion  through  email,  text,  social  media  review  websites  or  any  similar service. You represent that your transmissions to Bastion are and will be truthful, accurate,  not  misleading,  offered  in  good  faith  and  that  you  have  authority  to transmit such information. In using this Website, you agree that it is solely your responsibility  to  avoid  certain  activities  that  we  deem,  at  our  discretion,  to  be prohibited. These prohibited activities include without limitation:
    • Criminal  activity  or  tortious  activity,  including  fraud  or  misrepresentation, harassment, infringement or misappropriation of a third party’s copyright, trademark,  patent,  trade  secret,  or  other  intellectual  property,  slander,  libel, defamation,  or  use  of  content  that  is  obscene,  pornographic,  vulgar  or offensive,  use  of  content  that  promotes  discrimination,  bigotry,  racism, hatred,  harassment,  violence,  or  harm  against  any  individual  or  group,  and content that promotes illegal or harmful activities or substances;
    • Advertising  to,  or  solicitation  of,  any  user  to  buy  or  sell  any  products  or services;
    • Attempting to impersonate, or impersonating, another user or entity;
    • Using  a  false  email  address,  phone  number,  postal  address,  or  contact information.  You  are  also  prohibited  from  using  an  email  address,  phone number, address or contact information of another entity or person without authorization;
    • Attempting to  access or  search the  Services  or  engaging  in  any  automated use of the System, such as usingillegalscripts, spiders, crawlers, data mining tools, or  the  like  to  collect  data,  send  comments  or  messages,  post  on  forums, and/or request information;
    • Attempting to probe, scan, or test the vulnerability of any Bastion system or network, or breach any security or authentication measures;
    • Interfering with, disrupting, or creating an undue burden on our Services or the underlying networks;
    • Accessing  or  tampering  with  non-public  areas  of  the  Services,  Bastion’s computer systems, or the technical delivery systems of Bastion’s providers;
    • Avoiding,    bypassing,    removing,    deactivating,    impairing,    descrambling otherwise   circumventing   any   technological   measure   implemented   by Bastion or any of Bastion’s providers or any other authorized third party to protect the Services;
    • Using  meta  tags  or  other  hidden  text  or  metadata  utilizing  a  Bastion trademark, logo, URL, or product name without Bastion’s express written consent;•Using information or scraping information from our Services for any purpose whatsoever;
    • Using the Services for any commercial purpose or for the benefit of any third party or in any manner not permitted by this Terms of Use.

Monitoring of Services

  • We reserve the right but have no obligation to monitor our Services for your or third-party violations of the Terms of Use, take appropriate legal action against anyone who violates the Terms of Use, refuse or restrict access to or availability of  any  user`s  interaction  with  the  Services,  remove  the  Services,  or  otherwise disable all files and content at our discretion, and otherwise manage the Services in order to protect the rights and property of Bastion and its Customers

Termination of Your Account or Use of Our Services

  • We  may  restrict,  suspend,  or  terminate  your  use  of or  access to  our  Services  in the  event  that  you  violate  the  Terms  of  Use  and,  at  our  sole  discretion,  as permitted by law. We may change the Services or content, or otherwise restrict access to all or parts of our Services without providing notice at our discretion, as permitted by law.


Bastion  makes  no  representations  or  warranties  about  the  suitability  of  the content of its Website for any purpose. Bastion provides all content of its Website on an “as is” and an “as available” basis without any warranty of any kind.

Disclaimers and Limitations on Liability

  • Bastion  makes  no  warranty  of  any  kind  whatsoever –express  or  implied –with respect  to  the  contents  of  its  Services.  Bastion  hereby  disclaims  any  and  all implied  warranties of  merchantability,  title, non-infringement,  and  fitness  for  a particular  purpose.  You  expressly  agree  that  your  use  of  our  Services  is  at  your sole  risk.  It  is  solely  your  independent  duty  and  responsibility  to  verify  and evaluate the accuracy, correctness, reliability and completeness of ANY Services. We make no warranty or guarantee that any content available for downloading is free from infection from any computer programming or other glitches which may contaminate damage, interfere with, destroy, intercept, or expropriate any system,  data,  or  personal  information.  We  do  not  make  any  representations, warranties,  or  guarantees –express  or  implied –regarding  quotes  or  offers provided  on  or  through  our  Services.  As  such,  Bastion  will  not  be  liable  for  any loss or damage suffered as a result of the content, products, or services furnished from such service providers.We further make no representations, guarantees, or warranties that our Services are  appropriate  or  available  for  use  in  jurisdictions  outside  of  the  Federal Republic  of  Nigeria.  If  you  access  or  otherwise  use  our  Services  from  these jurisdictions,  you  do  so  of  your  own  volition  and  risk,  and  are  solely  responsible for compliance with local and international law.Bastion will not be held liable to anyone for any liability arising out of, or in any way   relating   to,   any   damages,   loss,  or   claim   whatsoever,   no   matter   how occasioned, in connection with or arising out of access to or use of the contents of  its  Services.  In  no  event  shall  Bastion  be  liable  for  any  special,  indirect, exemplary,  or  consequential  damages  or  any  damages  whatsoever,  including, but not limited to, loss of use, data, or profits, without regard to the form of any action,  including,  but  not  limited  to,  contract  or  negligence  or other  tortious actions, arising out of or in connection with the use, reproduction, or display of the content

Bastion’s Representations and Disclaimers

  • Bastion  makes  no  representations,  warranties,  or  guarantees  with  respect  to quotes, terms, rates, coverage, or services offered to you by hospitals, insurers or other  third  parties  through  Bastion’s  Services.  Bastion  believes  the  content provided  through  its  Services  to  be  accurate,  complete,  and  current.  However, inadvertent  technical  or  factual  inaccuracies  may  arise  and,  therefore,  Bastion does not warrant that its content is accurate, complete, and current. Content that Bastion provides through its Services is meant to assist you with insurance and financial  decisions.  However,  such  information  merely  constitutes  a  general deillegalscription of insurance coverage potentially available.You  acknowledge  and  agree  that  such  recommendations  may  omit  coverage that  may  be  necessary  or  advisable  for  you  and  such  recommendations  may differ  from recommendations  that  you  might  receive  were  you  to  seek  advice specific   to   your   individual   circumstances.   You   must   submit   a   complete application  to  obtain  a  particular  coverage.  Issuance  of  insurance  coverage  is dependent  on  underwriting  approval;  availability  and  coverages  may  vary  by state.  We  also  recommend  that  you  obtain  additional  information  and  advice from your accountant, attorney, and other advisors that can take your individual circumstances into account.You hereby release Bastion of any loss,cost, damages, or claim in connection with or arising from your use of a service or product, including any fees charged.

Your Representations

  • By using our Services, you represent and warrant to us that:
    You are at least 18 years of age; and
  • You  are  authorized  to  purchase  and  bind  this  insurance  on  behalf  of  the individual, company or entity applying for medical coverage;
  • You  authorize  Bastion,  as  well  as  its  agents  and  representatives,  to  obtain information from  a  third  party  in order  to  assess  your  insurability,  or for  any permissible purpose.


  • By using our Services, you agree to indemnify, defend, and hold Bastion harmless against any claim, cost, fine, damages, including attorneys’ fees, arising from or related to your use of our Services.

Fees and Charges

  • You may choose to purchase products or services from us while using our Services, which may result in charges and fees to you. We will inform you in advance of any such charge or fee. By submitting payment information for an accepted method of payment (“Payment Method”) through our Services, you authorize us to charge you these agreed-upon amounts, as well as any applicable taxes to your Payment Method.You  will  not  be  entitled  to  any  refund  of  charges,  fees,  or  taxes  except  as expressly provided herein, or as required under applicable law.
  • You may choose to use a debit or credit card as a Payment Method to pay for  charges,  fees,  and  taxes  in  connection  with  our  Services.  Should  you choose  to  do  so,  you  warrant  that  you  are  authorized  to  use such  card  for this purpose. Should you use a debit or credit card without authorization, in whole  or  in  part,  you  will  remain  responsible  for  any  outstanding  balance, and we may alert the appropriate authorities of your misuse.
  • Policy  coverage  is  renewable  annually.  Unless stated otherwise,  you  agree that your policy be automatically renewed annually. You further agree and consent to Bastion continuing to debit the same payment instrument upon renewal or similar event, if applicable.Your premium payment does not bind coverage until Bastion approves your application.  In  the  event  that  Bastion  does  not  approve  your  application; your premium payment will be refunded.
    You  may  cancel  your policy  at  any  time  by  logging  in  online  or  emailing Customer support. If you cancel your policy, we will stop your payments and will not further charge your Payment Method.

Intellectual Property Rights

  • Our  names,  graphics,  and  logos  used  in connection  with  our  Services, service  marks,  icons,  page  headers,  page  layouts,  illegalscripts,  and  unique terminology are our trademarks and trade dress (collectively, “Proprietary Marks”) in the Federal Republic of Nigeria. You may not use our Proprietary Marks without  our  express  and  written  permission.  Bastion  makes  no proprietary  claim  to  any  third-party  names,  trademarks,  or  service  marks appearing on our Services as the rights related to these names, trademarks, or service marks belong to their respective owners;
  • Any  information,  advice,  data,  software,  or  other  content,  which  may  be contained  in  or  downloaded  from  our  Services  (collectively  referred  to  as  “Content”), including, but not limited to, all text, graphics, charts, images, videos, icons, and renditions, are copyrighted by, or otherwise licensed to, us or our Content suppliers. We also own copyrights to a collective work in the selection, coordination, arrangement, organization, navigation, presentation, display, and selective alteration of the Content (referred to as  “Collective Work”). All software used in providing or supporting our Services (“Software”) is our property or the property of our software vendors and is protected  by  the  Federal  Republic  of  Nigeria  and  international  copyright laws.  Any  access  you  may  have,  including  but  not  limited  to,  viewing, reading,  printing,  downloading  or  otherwise  using  the  Content,  Collective Work, or Software does not waive any of our rights and does not entitle you or any third party to any ownership or intellectual property rights.
  • You are solely liable for any damages arising from your infringement of our or any third-party intellectual property rights with respect to the Proprietary Marks, Content, Collective Work, Software, or third-party names, trademarks or service marks. You are solely responsible for any harm incurred to us or our  affiliates  as  a  direct  or  indirect  result  of  your  copying,  distributing, redistributing, publishing, or using the same for purposes that are expressly or impliedly in violation of this Terms of Use.

No Third-Party Binding Effect

  • The  Terms  of  Use  are  between  you  and  Bastion,  and  no  provision  within  the Terms of Use confers any implied or express right to any third party. The Terms of Use do not provide you with any authority to bind Bastion in any way.


  • You  may  not  transfer,  assign,  or  license  your  rights  under  the  Terms  of  Use without our prior express and written consent.

Our Services Are Not Intended for Minors

  • Our  Services  are  not directed  at  minors,  that  is,  persons  younger  than  18  years old.  If  you  are  not  at  least  18  years  old,  please  do  not  attempt  to  access  our services.  We  do  not  knowingly  contact  or  collect  personal  information  from persons  under  18  years  old,  and  such  a  person  should  not  provide  us  with  any information.

Dispute Resolution

  • The Parties shall in good faith, use their reasonable best efforts to resolve any dispute that may arise in relation to this Agreement through dialogues and negotiations within twenty (20) days of such dispute’s occurrence.
  • Where  the  Parties  cannot  jointly  resolve  the  dispute  wholly  or  partly,  the dispute shall be referred to and finally resolved by arbitration in accordance with the Arbitration and Conciliation Act, Cap A18 Laws of the Federation of Nigeria, 2004. The  arbitral  tribunal  shall  be  composed  of  one  (1)  arbitrator  who  shall  be jointly appointed by the Parties. Where the Parties are unable to agree on a choice of arbitrator, the nomination shall be made by the Chairman for the time being of the Nigerian branch of the Chartered Institute of Arbitrators, United Kingdom.The seat or legal place of arbitration shall be Lagos, while the language to be used in the arbitral proceedings shall be English.
  • All reasonable costs and expenses attributable to the arbitration (including the  fees  of  the  arbitrator)  shall  be  allocated  equally  between  the  Parties unless   the   arbitrator   shall   determine   it   is   appropriate   under   the circumstances to allocate such costs and expenses in a different manner.

Written Modification

  • The Terms of Use shall only be modified in writing. The individual employees of Bastion, Bastion’s affiliate companies, and third parties are not authorized to modify the Terms of Use except by the mechanism stated herein. Any employee offering to modify the Terms of Use is not acting as an agent of Bastion or with proper authority to bind Bastion. You agree not to rely on any statement, written or  oral,  by  any  employee  or  agent  of  Bastion  or any  third  party  with  respect  to modification or interpretation of the Terms of Use.


  • Notices to you: In using our Services, you may choose to communicate with us  by  providing  us  with  feedback,  comments,  questions,  or  proposals.  In doing  so,  you  agree  to  allow  Bastion  to  use  this  information  in  any  way consistent with the Terms of Use and our Privacy Policy. When you submit contact information to us as part of an attempted or completed request for a quote or offer for goods or services, you consent to receive telephone calls, emails,   text   messages,   mailers,   or   other   similar   communications   in connection with these goods and servicesIn the event Bastion may choose or become obligated to provide you with notices  under  or  related  to  the  Terms  of  Use,  you  consent  to  receive  such notices or related communications by Bastion posting them on its Website, by  sending  them  to  you  via  an  email  address you  provided,  or  by sending them to a postal address you provided, at our discretion. You further agree that  any  such  communication  as  described  herein  satisfies  any  legal requirement that the communication must be provided in writing.
  • Notices to Bastion: If you have any questions about the Terms of Use or wish to notify us in relation to your use of our Services, you may contact Bastion by email [email protected], or by calling 07034147143.24. Severability Except as otherwise provided herein, in the event that any provision contained within the Terms of Use is deemed to be unenforceable, invalid, or ambiguous, such provision shall be limited or discarded to the minimum extent necessary so that  the  remaining  provisions  of  the  Terms  of  Use  remain  in  full  force  and enforceable.25.Non-WaiverNeither party shall be deemed to have waived, in whole or in part, any of its rights granted herein by its failure to exercise, in whole or in part, any right herein.

Notification of Changes

  • At its discretion, Bastion may amend the Terms of Use from time to time. We will post  any  such  material  changes  to  our  Website  along  with  a  notice  indicating that the Terms of Use have changed at least thirty (30) days prior to the effective date of these changes, when practicable. Should we materially change the Terms of Use, you may cancel your account with us by contacting us in accordance with Clause .

(“Notices  to  Bastion”)provision  of  the  Terms  of  Use  before  the effective date of the modified Terms of Use. You will not be bound by the updated Terms of Use if you cancel your account within this period.

Force Majeure

Neither party shall be responsible for any delay or failure in any performance due to acts of God, war, warlike conditions, blockade, embargoes, riots, government restriction,  labor  disturbances,  unavailability  of  anticipated  or  usual  means  of supplies,  wrecks,  epidemics,  quarantine,  fire,  flood,  earthquake,  explosion,  any unforeseen change in circumstances, or any other causes beyond any party’s reasonable control.

Entire Agreement

  • You agree to be bound by the terms and conditions contained within the Terms of Use,  as  well  as  our  Privacy  Policy.  Collectively,  these  form  a  legally  binding agreement between us and you.The Terms of Use and only the Privacy Policy expressly incorporated by reference herein constitute the entire agreement of the parties and supersede any prior or contemporaneous agreements, understandings, warranties, or understandings, whether  written  or  oral,  whether  express  or  implied,  with  connection  to  our Services.

Governing Law and Jurisdiction

  • You  agree  that  the  Terms  of  Use  are  governed  and  interpreted  in  accordance with the laws of the Federal Republic of Nigeria. By using our Services, you agree and submit to the exclusive jurisdiction of the High Courts of Lagos in order to resolve  any  dispute  arising  from  your  use  of  the  Services,including  but  not limited to the enforcement of any arbitration award. You further agree to waive any objection to such jurisdiction or venue.

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