Life and Smart Pro Health Bundle
Our Life and Health Insurance Combo package is 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), accident and emergency, Telemedicine, selected Chemistry, Labs Tests and Annual wellness screening, Admissions and accommodation, Dental & Optical Consultation, Surgeries( Minor, Intermediate & Major)
Life Cover: Life Cover: N1,000,000, Critical Illness & Permanent Disability: N1,000,000 , Funeral Benefit: N500,000
Please note: The HMO Policy Document will be sent to your email within 48hrs of purchase
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Life and Smart Pro Health Bundle
Target Market: Middle-aged Professionals
This product will provide health insurance and term life cover for members of policy holders extended family. This includes cover for uncles, aunties, cousins. Not immediate family.
Annual Benefit Limits per individual (HMO): N450,000
GENERAL/SPECIALIST CONSULTATION (OUTPATIENT CASES)
Cover Limit: N100,000 O and G specialist General Surgeon Cardiologist Pediatrician
Pediatric surgeon Dermatology Endocrinology Hematology cardiothoracic surgeon ENT Surgeon Urologist
Orthopaedic Surgeon Gastroenterologist Psychiatrist Neonatologist
Annual Benefit Limits per individual (HMO): N450,000
ACCIDENT AND EMERGENCY CARE
Cover Limit: N50,000
Care for accident and emergency cases, Ambulance transfer from roadside to hospital and hospital to hospital
Stabilization, Emergency drugs and
FERTILITY SERVICES
Investigation and treatment at limits per plan N10,000
TELEMEDICINE AND HEALTH COACH
- Telemedicine app - chat with a doctor consultation online 24/7
- Laboratory/Chemistry Cover Limit: N60,000 Chest X-Rays
- Plain Abdominal X-Rays Limbs X-Rays
- Neck X-Rays Skull X-Rays
- Lumbosacral X-Rays X-Rays of Body Joints Ultrasound Scan Haematological tests Haemoglobin
- Packed Cell Volume
- White cell differential count
- Full Blood Count and differentials White Blood Cell count
- Red Blood Cell count Fasting Blood Sugar Random Blood Sugar
- Electrolyte, Urea and Creatinine Prostate Specific Antigen Serum albumin
- Serum ALT/SGPT Serum AST/SGOT
- Serum Bilirubin (Direct and Indirect) Microbiology
- Malaria Parasite Widal
- Urine MCS Stool MCS Serology
- Hepatitis B Screening HIV Screening Genotype
- Blood group
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.
Benefits
Our Life and Health Insurance Combo package is 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), accident and emergency, Telemedicine, selected Chemistry, Labs Tests and Annual wellness screening, Admissions and accommodation, Dental & Optical Consultation, Surgeries( Minor, Intermediate & Major)
Life Cover: Life Cover: N1,000,000, Critical Illness & Permanent Disability: N1,000,000 , Funeral Benefit: N500,000
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: Middle-aged Professionals
This product will provide health insurance and term life cover for members of policy holders extended family. This includes cover for uncles, aunties, cousins. Not immediate family.
Annual Benefit Limits per individual (HMO): N450,000
GENERAL/SPECIALIST CONSULTATION (OUTPATIENT CASES)
Cover Limit: N100,000 O and G specialist General Surgeon Cardiologist Pediatrician
Pediatric surgeon Dermatology Endocrinology Hematology cardiothoracic surgeon ENT Surgeon Urologist
Orthopaedic Surgeon Gastroenterologist Psychiatrist Neonatologist
Annual Benefit Limits per individual (HMO): N450,000
ACCIDENT AND EMERGENCY CARE
Cover Limit: N50,000
Care for accident and emergency cases, Ambulance transfer from roadside to hospital and hospital to hospital
Stabilization, Emergency drugs and
FERTILITY SERVICES
Investigation and treatment at limits per plan N10,000
TELEMEDICINE AND HEALTH COACH
- Telemedicine app - chat with a doctor consultation online 24/7
- Laboratory/Chemistry Cover Limit: N60,000 Chest X-Rays
- Plain Abdominal X-Rays Limbs X-Rays
- Neck X-Rays Skull X-Rays
- Lumbosacral X-Rays X-Rays of Body Joints Ultrasound Scan Haematological tests Haemoglobin
- Packed Cell Volume
- White cell differential count
- Full Blood Count and differentials White Blood Cell count
- Red Blood Cell count Fasting Blood Sugar Random Blood Sugar
- Electrolyte, Urea and Creatinine Prostate Specific Antigen Serum albumin
- Serum ALT/SGPT Serum AST/SGOT
- Serum Bilirubin (Direct and Indirect) Microbiology
- Malaria Parasite Widal
- Urine MCS Stool MCS Serology
- Hepatitis B Screening HIV Screening Genotype
- Blood group
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.
