Bronze
₦14,000
a month, per adult
- Primary care at network clinics
- Basic tests
- Ward admission up to 10 days
- Emergency stabilisation anywhere
Bulwark Health plans
Health plans with hospitals you can actually reach
Individual, family and staff plans run with our HMO partners, with clinics in Yaba, Surulere, Ikeja and Lekki and a 24-hour nurse line.
Bronzefrom ₦14,000 a month
Hospitals140 in Lagos
Nurse line24 hours
Health plans
What is covered
General consultations
See a doctor at any network clinic, usually the same day.
Specialists
Referrals to specialists on Silver and Gold plans.
Tests and scans
Laboratory tests, X-rays and ultrasound when a network doctor asks for them.
Hospital stays
Ward admission on all plans; private rooms on Gold.
Maternity
Antenatal care and delivery on Silver and Gold, after a waiting period.
Nurse line
Advice by phone or WhatsApp, day and night.
Prices
Plans and example premiums
Three ways to buy. Every plan includes the 24-hour claims line and a named adviser.
Silver
₦26,000
a month, per adult
- Everything in Bronze
- Specialist referrals
- Maternity after 12 months
- Dental and optical check-ups
Gold
₦48,000
a month, per adult
- Everything in Silver
- Private room
- Wider hospital list
- Annual health check
Example premiums for this demo. A real premium depends on underwriting, and cover is always subject to the policy terms. We assess every claim against those terms and never promise a payout in advance.
Local know-how
How our plans work
Plans are run with our HMO partners. You choose a primary clinic near home or work and can change it once a quarter.
Your card works by phone number, so you do not need to carry it to every visit.
We do not promise treatment outcomes. We promise to approve covered care quickly, and to explain clearly when something is not covered.
Talk to an adviserStraight talk
What is not covered
We would rather you know now than find out on the day you claim.
- Conditions you had before joining, during the first 12 months
- Cosmetic treatment
- Fertility treatment
- Care outside the network, except emergencies
This is a summary. The full list is in the policy wording, which we send before you pay.
Extras
Optional add-ons
| Add-on | Example price |
|---|---|
| Child on the plan | from ₦7,500 a month |
| Parents over 60 | from ₦32,000 a month |
| Dental plus | ₦4,000 a month |
| Cover in Ghana and Kenya | ₦9,000 a month |
Claims
If you need to claim
- 01
Visit your chosen network clinic with your phone number
- 02
The clinic requests approval from the HMO for anything beyond a consultation
- 03
Approval usually comes within an hour during working hours
- 04
You pay nothing for covered care; anything outside the plan is explained first
FAQ
Questions
Can my company buy plans for staff?
Yes, from five staff. Group plans are cheaper per person and include a staff health day each year.
Is there a waiting period?
Most care starts on day one. Maternity starts after 12 months and some surgery after 6 months.
What if I am far from my clinic?
In an emergency, go to the nearest hospital. They stabilise you and the HMO arranges transfer or payment.
Keep exploring
Related cover
Price your health cover
Four steps and about two minutes. Pay the first month through Receivly if you are happy.