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At A Glance

Bastion Health Limited is a Nigerian HMO covering medical care across Nigeria through a network of over 1,100 to 1,600 healthcare facilities depending on tier. Telemedicine access, pharmacy benefit with drug pick-up and delivery, and 24/7 customer support are included across all plans.

Compare Plan Benefits

Claims & Support

Bastion Health operates a cashless claims model at accredited facilities. Your Bastion ID card is your access point to care across the network, and facilities bill Bastion directly for covered services. For any treatment outside the network or above your plan limit, Bastion's customer support team is available 24/7 to guide you through the appropriate process. Waiting periods apply to maternity and certain specialist services, so confirm eligibility before scheduling elective procedures.

How to Make a Claim

Present your Bastion Health ID card at any accredited facility within your plan's network before receiving treatment
For specialist care, obtain a referral from a primary care provider within the Bastion network
For emergencies, access the nearest appropriate hospital and notify Bastion Health within 24 hours
Drug benefits can be accessed via the pharmacy pick-up and delivery service using your enrollee details
For queries or pre-authorisation of elective procedures, contact Bastion's 24/7 customer support line

Bastion Plans

Hello

1.

Jade (₦30,628 per annum) : Bastion's entry-level plan provides ₦500,000 in annual medical coverage across Nigeria through a network of over 1,100 facilities. Benefits include general and specialist consultations, surgery cover up to ₦100,000, dental care up to ₦7,500, optical care with a biennial lens and frame limit of ₦5,000, maternity care, fertility care consultation and basic investigation, child immunisation, telemedicine access, general ward admission with feeding included, and 24/7 customer support.
2.

Beryl (₦67,753 per annum) : The Beryl plan increases annual coverage to ₦750,000 across a network of over 1,400 facilities. Surgery cover rises to ₦200,000, dental care to ₦15,000, and optical care to a biennial limit of ₦7,500. Annual wellness checks are added at this tier, alongside the full suite of maternity, fertility investigation, immunisation, telemedicine, and pharmacy benefits.
3.

Ruby (₦98,054 per annum) : Ruby provides ₦1,000,000 in annual coverage across over 1,400 facilities. Surgical cover extends to ₦300,000, dental care to ₦25,000, and optical care to a biennial limit of ₦10,500. Annual wellness checks continue, and all core benefits from the Beryl tier are maintained and expanded.
4.

Sapphire (₦160,679 per annum) : The Sapphire plan covers up to ₦1,500,000 annually across over 1,600 facilities. Surgery cover is up to ₦400,000, dental care up to ₦45,000, and optical care up to a biennial limit of ₦15,000. The expanded hospital network and higher benefit caps make this plan suitable for individuals who expect more frequent specialist engagement.
5.

Emerald (₦218,367 per annum) : Emerald provides ₦2,500,000 in annual coverage through a network of over 1,600 facilities. Surgical cover rises to ₦500,000. Dental care is covered up to ₦75,000 and optical care up to a biennial limit of ₦20,000. Maternity benefits at this tier extend to include neonatal care, intensive care for newborns, and congenital anomaly treatment for children born on the plan. Gym access is included.
6.

Diamond (₦344,757 per annum) : Diamond provides ₦3,500,000 in annual coverage. Surgery cover is ₦750,000, dental care ₦100,000, and optical care up to a biennial limit of ₦30,000. Neonatal and intensive care cover for newborns continues, and gym access is included alongside the full wellness and telemedicine suite.
7.

Crimson (₦574,219 per annum) : Bastion's highest-tier individual plan provides ₦5,000,000 in annual coverage across over 1,600 facilities. Surgery cover is ₦1,000,000, dental care ₦150,000, and optical care up to a biennial limit of ₦45,000. All maternity, neonatal, fertility, wellness, pharmacy, and telemedicine benefits are included at their highest levels.
8.

Blossom (₦461,554 per annum): The Blossom plan includes chronic disease management specifically for cancer and renal care, alongside general coverage across Nigeria through a network of over 1,500 facilities. Dental care is up to ₦50,000 per year, optical care up to ₦50,000 with a biennial lens and frame limit of ₦35,000. Surgical cover is up to ₦280,000 annually. Wellness support, telemedicine, and pharmacy delivery benefits are included.
9.

Golden (₦1,068,507 per annum) : Golden is Bastion's premium specialist plan with chronic disease management for cancer and renal care, private ward admission for up to 30 days, unlimited virtual consultations, and a death benefit subject to terms and conditions. Dental care is covered up to ₦80,000 per year and optical care up to ₦80,000 with a biennial lens and frame limit of ₦45,000. Surgical cover is ₦450,000 annually.
10.

Oak (₦290,109 per annum): The Oak plan provides coverage across Nigeria through over 1,100 facilities with chronic disease management for cancer and renal care. Surgical cover is ₦170,000 annually, dental care up to ₦30,000, and optical care up to ₦40,000 with a biennial lens and frame limit of ₦30,000. Unlimited virtual consultations, pharmacy delivery, and 30 days of private ward admission are included.

Who Should Consider This

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1.

Individuals seeking entry-level regulated cover:: The Jade plan provides NAICOM-backed health insurance with telemedicine, pharmacy delivery, and network hospital access at one of the most accessible premiums on the market.
2.

Young professionals and salary earners: : The Beryl and Ruby plans offer a strong balance of benefit coverage and annual premium for those who want meaningful health cover without a significant financial commitment.
3.

Families with maternity and child health needs:: The Emerald and Diamond plans include neonatal ICU cover and congenital anomaly treatment for newborns, making them the right choice for growing families.
4.

Individuals managing cancer or kidney disease:: The Blossom, Golden, and Oak plans specifically include chronic disease management for cancer and renal care, which standard plans typically exclude.

nairaCompare Insight

Bastion's gem-naming convention makes it easy to understand where you sit in their coverage range, and the plan increments are genuinely meaningful rather than cosmetic. What stands out is the inclusion of cancer and renal chronic disease management across the Blossom, Oak, and Golden plans, three products that address a specific gap most Nigerian HMOs leave entirely unaddressed. For any individual with a family history of cancer or kidney disease, these plans represent a rare and valuable option in the Nigerian retail health market.

For most individuals without specific chronic disease requirements, the Sapphire plan offers the best combination of network breadth, surgical cover, and dental and optical limits relative to its annual premium. It sits at a point where the benefit increase from Jade and Beryl is substantial, while remaining more accessible than the Emerald and above tiers. Use nairaCompare to compare Bastion's benefit limits directly against similarly priced plans from other providers.

About Bastion Health Limited

Bastion Health Limited is a Nigerian Health Maintenance Organisation regulated by NAICOM and the National Health Insurance Authority. Founded in 2020, the company operates a retail and corporate health insurance business with a focus on accessible, tiered coverage that scales with the needs and budgets of Nigerian individuals and families. Bastion's hospital network spans over 1,600 accredited facilities at its higher plan tiers, with 24/7 customer support and an integrated pharmacy delivery benefit. The company describes its mission as redefining quality healthcare by making it simple, affordable, and holistic.

CONTACT ADDRESS 8th Floor, South Atlantic Petroleum Towers, Plot 98 (1), Adeola Odeku Street, Victoria Island, Lagos

WEBSITE www.bastionhmo.com

PHONE NUMBER 0800-227-8466 / 07002252424

EMAIL ADDRESS wecare@bastionhmo.com

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