Life and Smart Business Health Bundle
Our Life and Health Insurance Combo packages are specially designed to cover the cost of hospital medical expenses for the insured, as well as provide financial protection for loved ones in the event of the assured’s death or total permanent disability.
HMO Benefits
General Consultation (Out patient), Telemedicine, accident and emergency, Surgeries (minor, intermediate and major), Chemistry, Dental and eye care, Telemedicine, Obstetrics & Gynecology, Admissions & Accommodations
Life Cover: N100,000 Critical Illness & Permanent Disability: N100,000 each
Please note: The HMO Policy Document will be sent to your email within 48hrs of purchase
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Total
Life and Smart Business Health Bundle
Target Market: SMEs
This product will provide/ combine group life and HMO for small-scale organisations at a single subscription.
Family Premium: 120,000 , Annual Benefit Limits per individual (HMO): N500,000
Please note that pre-existing conditions are not covered. Chronic or Pre-existing medical condition is defined as an injury, illness, sickness, disease or other physical, medical, mental, or nervous condition, disorder, or ailment that with reasonable medical certainty existed at the time of purchase of the policy or prior to the purchase of the policy.
Benefits
Our Life and Health Insurance Combo packages are specially designed to cover the cost of hospital medical expenses for the insured, as well as provide financial protection for loved ones in the event of the assured’s death or total permanent disability.
HMO Benefits
General Consultation (Out patient), Telemedicine, accident and emergency, Surgeries (minor, intermediate and major), Chemistry, Dental and eye care, Telemedicine, Obstetrics & Gynecology, Admissions & Accommodations
Life Cover: N100,000 Critical Illness & Permanent Disability: N100,000 each
Please note: The HMO Policy Document will be sent to your email within 48hrs of purchase
You will need the following to incept the policies:
- Valid ID
- Passport photograph
- Proof of Address (Recent utility Bill)
Please note that the policy document for the HMO component of this bundle will be sent to the policyholder's email within 48 hrs
GENERAL NOTES:
By submitting this application, you confirm your understanding of the following:
- Your cover will not start until we have accepted your application. Policy starts only after underwriting is completed (within 2 weeks), premium paid is a deposit payment until policy document/certificate is issued.
- Before we can assess your application, we may need to get a medical report from a GP or Physician or Surgeon who has cared for you.
- That the information given on this application form must be full and accurate. That failure to take reasonable care in answering any questions may result in a claim not being paid, your underwriting terms being changed, your cover being cancelled, and / or any treatment costs already paid by us being reclaimed.
- That you give permission for the medical information you have provided to be disclosed to any employee in Bastion Health Ltd for risk management and underwriting purposes. This information can also be used to maintain management information for business analysis,
- . Please note that pre-existing condition is not covered.
- Chronic or Pre-existing medical condition is defined as an injury, illness, sickness, disease or other physical, medical, mental, or nervous condition, disorder, or ailment that with reasonable medical certainty existed at the time of purchase of the policy or prior to the purchase of the policy.
S/N | ILLNESS AND MEDICAL CONDITION | DIAGNOSIS / MEDICAL CONDTIONS SICKESS AND SIGNS |
1 | Blood Disorders | e.g anaemia, leukaemia, hemoglobinopathies ( e.g sickle cell disease or traits, thalassemia ), bleeding disorders, haemophilia, lymphoma, thrombosis ( blood cots ). |
2 | Brain and nerve disorders | e.g stroke, multiple sclerosis, epilepsy, migraine, paralysis, Parkinson's disease, quadriplegia |
3 | Cancer | e.g any form of cancer or precancerous growth, turnours or moles that have changed in appearance |
4 | Cardiac and Vascular disorder | e.g angina/heart attack, heart failure, heart mumurs, rheumatic fever, high blood pressure, rhythm disturbance (palpitations), varicose viens ( includinghaemorrhoids/piles). poor circulation, raised cholesterol, heart surgery. |
5 | Connective tissue disorders | e.g SLE ( systemic lupus erythematosus), scleroderma, mixed connective tissue disorder. |
6 | Dental Disorders | eg. over/under bite problems, missing/skew teeth, impacted wisdom teeth or ongoing treatment |
7 | Ear, nose, throat, eye and speech disorders | e.g cataracts , glaucoma, mascular degeneration, hearing/visual impairment, loss of speech, tonsilitis |
8 | Female/male reproductive system disorders | e.g ovarian cysts, endometriosis,fibroids,infertility,disorders of the cervix, menstrual disorders, penile/testicular disorders epididymitis breast lumps/cysts, complication of pregnancy/childbirth. |
9 | Gastro-Intestinal Disorders | e.g ovarian cysts, endometriosis,fibroids,infertility,disorders of the cervix, menstrual disorders, penile/testicular disorders epididymitis breast lumps/cysts, complication of pregnancy/childbirth. |
10 | Immune system disorders | e.g H IV/AI DS, Addison disease, graves disease, multiplesclerosis, scleroderma, vasculitis |
11 | Kidney/urinary tract disorders | e.g.Kidney fialure, Kidney Stones, recurrent infections,nephritis, prostate problems, blood protein in urine, polycystic kidneys. |
12 | Liver/Pancreatic disorders | e.g. hepatitis, cirrhosis, liver failure, gallstones, pancreatitis |
13 | Mental health/Psychiatric disorder | e.g. depression, anxiety, schizophrenia, eating disorders ADHD ( attention deficit hyperactivity disorder ), autism |
Target Market: SMEs
This product will provide/ combine group life and HMO for small-scale organisations at a single subscription.
Family Premium: 120,000 , Annual Benefit Limits per individual (HMO): N500,000
Please note that pre-existing conditions are not covered. Chronic or Pre-existing medical condition is defined as an injury, illness, sickness, disease or other physical, medical, mental, or nervous condition, disorder, or ailment that with reasonable medical certainty existed at the time of purchase of the policy or prior to the purchase of the policy.
