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Top HMOs in Nigeria


top hmos in nigeria

Health is wealth, they say. Yes! That's correct. Without good health, there's nothing we can do with ease. However, good health is underrated; people wait until they break down before taking care of their health. That shouldn't be the case, as various health management organizations are available in the country to address our health issues. This blog post focuses on the top HMOs in Nigeria, but what are HMOs?

What Are HMOs?

HMOs stands for Health Maintenance Organizations that run insurance plans. Insurance plans cover routine health care services like doctor's appointments, lab tests, prescriptions, and preventive procedures. Also, they offer coverage for hospital stays and emergency room visits.

The most common types of HMOs include Preferred Provider Organization (PPO), Point-of-Service Plan (POSP), and Exclusive Provider Organization (EPO). However, the benefits offered by these plans vary from one plan to another. Some plans have a higher deductible than others, while others may not require out-of-pocket expenses. In addition, some plans provide additional benefits, such as vision or dental coverage.

The best thing about HMOs is that you don't need to pay anything upfront. Instead, they will deduct your monthly premiums directly from your paycheck. You'll only pay when you use medical services.

How Do HMOs Work?

An HMO works like this: The insurer pays doctors and hospitals directly instead of paying patients. When you see a doctor, they will bill the HMO for the service rendered. Once the HMO receives the bills, it sends them to you. If you want to see a specialist, you'll need to get approval first.

You'll also need to ensure that you're covered under an HMO plan. To find out if you qualify, contact your employer or call your insurance provider.

Benefits Of Using An HMO

There are many advantages associated with using an HMO. You won't have to worry about how much you spend on healthcare because the HMO will cover all your costs.

You'll also save time since you won't have to visit multiple providers to receive treatment. As long as you meet your deductible, you'll be able to access any type of medical care without worrying about paying for it.

Another benefit of using an HMO is choosing which specialists you want to work with. Since you'll be dealing with just one organization, you'll have more control over your healthcare needs.

However, there are disadvantages associated with using an HMA. First, you might experience delays in receiving treatment. It could take several weeks to months to get approved for specific treatments. Second, you might end up spending more money than necessary. Moreover, you might not be able to see a particular specialist.

Overall, HMOs are great options for those who want to manage their healthcare needs. They help you avoid high deductibles and copays. Plus, they allow you to choose which specialists you'd like to work with.

Best HMO Companies in Nigeria 

Health point HMO

Healthpoint HMO is a Nigerian-based healthcare provider offering affordable healthcare plans to Nigerians. They are committed to providing quality medical care to Nigerians at reasonable prices, and their mission is to provide access to high-quality healthcare services at affordable prices. Also, they offer three different health insurance plans to suit every budget. These are standard, pro and premium.

The standard plan costs just N800 per month, while the premium costs N2000 per month. This plan offers basic coverage like hospitalization, maternity care, emergency treatment, ambulance rides, and doctor visits. However, the premium plan costs N3000 per month and includes all the above, plus dental care, eye checkups, physiotherapy, and some drugs. The premium plan covers most common illnesses, including cancer, diabetes, and hypertension.

In fact, the premium plan covers everything except maternity care and emergency treatment. Maternity cover is included in the standard plan. For emergency treatment, you pay out of pocket.

The third option is the pro plan. This plan costs N5000 per month and is designed for people who want complete protection against illness. The pro plan includes all the features of the premium plan and covers pregnancy, childbirth, postnatal care, and neonatal care.

Hygeia HMO

Hygia is one of Nigeria’s leading health maintenance organizations, with over 30 years of experience. Founded in 1986, the organization offers low-cost health insurance policies to Nigerians across the following plans: individual plans, family plans, maternity plans, and even dental coverage. Its mission is simple – to provide quality healthcare to everyone in Nigeria.

The company is licensed by the National Health Insurance Scheme (NHIS). In addition to offering cheap health insurance, Hygia HMO provides free healthcare to needy patients.


Aiico Multi Shield HMO is one of Nigeria’s best and oldest insurance companies. With over 20 years of experience, it has provided quality health care coverage to Nigerians.

The company has various insurance plans, and all plans are designed to meet the needs of individuals, families, and businesses. They cover medical emergencies, hospitalization, maternity, and dental treatments.

Avon HMO

Avon HMO was duly registered by the Nigerian National Health Insurance Scheme (NHIS) to offer health insurance products in Nigeria in September 2011. However, it did not commence operations until January 2013.

The company offers individual health plans, couples’ health plans, family health plans, small group/small employer health plans, and self-employed health plans.

Novo Health Africa HMO

NovoHealthAfrica is a National Health Management Organisation offering quality healthcare services across Nigeria and is accredited by National Health Insurance Scheme (NHI).

The organization offers three plans:

  • Corporate Plan – This plan covers the entire workforce of the enterprise. It includes hospitalization, outpatient, dental, vision, life insurance, disability income protection, accident, maternity, medical evacuation cover, and more.

  • Retail Plan – This plan is ideal for individual customers and small businesses. It provides hospitalization benefits, outpatient benefits, dental benefits, vision benefits, life insurance, disability insurance, accident benefit, and medical evacuation cover.

  • Transnational Plan – This plan is designed for international travelers and expatriate employees working in Nigeria. It provides hospitalization, outpatient, dental, vision, life, and long-term disability and accident and travel insurance.

Defence Health Maintenance Limited

The Defence Health Maintenance Limited, DHML, is a corporate body established under the Ministry of Defence Act Cap 786 Laws of Nigeria 2004. Its primary purpose is to ensure that all armed forces members are afforded access to quality health care.

The organization provides medical services to serving and retired personnel and their dependents. It also coordinates with other government agencies, such as the National Agency for Food Administration & Control (NAFDAC), to ensure a sufficient supply of blood and organs for transplantation.

In addition, it manages the provision of dental treatment within the ranks and ensures that soldiers receive adequate training. It also promotes healthy living among the armed forces by encouraging physical fitness.

Princeton Health Limited

Princeton Health Limited was established in 2011. In 2002, it launched Blue Plan premium health insurance plans sold exclusively online. These plans are designed to provide affordable coverage for individuals and families in Ontario.

Blue Plans include comprehensive benefits such as hospitalization, physician visits, prescription drugs, vision, dental, and maternity/paternity care. There are no deductibles or co-insurance fees. Blue Plan premiums start at $39 per month.

Royal Plans are offered to those who want additional flexibility. They are sold exclusively online and include access to our network of doctors and hospitals. Royal Plan premiums range from $59 to $129 per month, depending on the coverage chosen.

ProHealth HMO Limited 

ProHealth HMO Limited is one of the top HMOs in Nigeria for those looking for quality healthcare services. Its mission is to provide high-quality health insurance coverage to Nigerians and people in neighboring African countries. They operate under three main categories of health plans – Diamond, Ruby, and Emerald. Each plan offers different packages and benefits, making it easy to find what you want.

Integrated Health Care Limited

Integrated Health Care Limited is a Nigerian company registered under the Companies and Allied Matters Act 1990. The Company’s headquarters are located at Plot 2A, Block B, New Fadeyi Road, Off Ado Ekiti Expressway, Lagos.

It provides the following services:

  • Private Health Insurance

  • Corporate Plan

  • Family/Individual Plan

  • Social Health Insurance

The company operates within the field of healthcare insurance. Its main activities include providing health insurance products, corporate plans, family/individual plans, social health insurance, medical equipment leasing and installation, and medical laboratory testing.

Clearline International Limited

Clearline International Limited (Hmo), a leading provider of health insurance solutions in Nigeria, boasts of being one of the few companies licensed to sell health insurance products in Nigeria. This makes it unique in the market because most companies still await approval to operate in the sector.

The company was incorporated in January 1994 as a limited liability company and duly registered to underwrite Health Insurance in Nigeria with the National Health Insurance Scheme (NHIS).

They offer the following Health Plans :

  • Corporate Health

  • Insurance Scheme

  • Individual Policy

Redcare Health Services Limited

Redcare Health Services Limited (RHSL), established in 2009, is an HMO licensed by the NHIA and accredited by the Joint Commission International (JCI). RHSL offers comprehensive health insurance coverages for both individual and corporate clients. They provide high-quality healthcare services for people.

The core values of RHSL are customer satisfaction, quality care, integrity, fairness, and accountability. These values guide us in everything we do. We aim to provide value-based healthcare services that are accessible and affordable. Our mission is to improve the lives of our customers and communities.

Total Health Trust Limited

Total Health Trust Limited is the most significant healthcare provider in Nigeria. Founded in 1998, it provides medical care across several cities in Nigeria. Over 300,000 people are registered with the group, including doctors, nurses, pharmacists, dentists, physiotherapists, laboratory technicians, and radiographers. Optometrists, midwives, social workers, psychologists, administrators, and administrative assistants will also be available.

The company operates around 500 clinics throughout the nation. Most of these facilities are privately owned and operated, although some are state-owned and managed. These locations include Abuja, Benin City, Kaduna, Kano, Katsina, Ilorin, Jos, Port Harcourt, Sokoto, Zaria, and many others.

Healthcare Security Limited

Healthcare Security Limited offers medical insurance solutions for individuals, families, small businesses, and corporations. They provide individual and family coverage, group health plans, dental care, vision care, life insurance, disability income protection, long-term care insurance, Medicare supplements, and more.

They offer flexible options for people who want to protect themselves against unexpected expenses. Their goal is to help customers live healthier lives while saving money. Their personalized approach to customer service ensures that every client gets exactly what they need.

Premium Health Limited

Premium Health Limited (PHL) is Nigeria's leading provider of health insurance products. With a focus on providing affordable health coverage to individuals and families across Nigeria, PHL offers a wide range of plans. These include Medical Insurance Plans, Hospitalization plans, Dental plans, Vision Care plans, Life Coverages, and Critical Illness coverages. In addition to offering competitively priced premiums, premium health limited provides high-quality care through its network of hospitals and clinics.

Mediplan Healthcare Limited

Mediplan Healthcare Ltd. was incorporated on August 7, 2000, under the Companies Act 1956. It is a public limited company with shares listed on the Bombay Stock Exchange. Its main objective is to provide healthcare solutions to individuals and organizations. It provides medical insurance coverage and health management products.

The company operates in three segments; Medical Insurance, Health Management Products, and Life Sciences.

How Do I Choose an HMO?

When selecting an HMO, make sure that you consider the following factors:

  • Your Employer: Find out whether your company offers an HMO plan. If so, ask your HR representative what kind of plan it is.

  • Deductible Amount: Determine how much you can afford to pay before the HMO starts covering your costs.

  • Out-Of-Pocket Maximum: This refers to the maximum amount you'll have to pay each year. Make sure you know the exact amount before signing up for an HMO.

  • Benefits Offered: Look at the list of benefits provided by the HMO. These include things like vision and dental coverage.

  • Network of Providers: Check to see if the HMO has a network of providers. This means that you can easily access different specialists.

  • Cost: Compare the cost of various HMOs. Ask your HR representative for recommendations.

  • Availability: Determine whether the HMO is available in your area.

  • Customer Service: Call customer service representatives to determine if they offer 24/7 support.

  • Reputation: Visit websites that provide reviews of various HMOs to learn more about their reputation.

  • Ratings: Read online ratings of various HMOs from sites such as Consumer Reports.

  • Complaints: Contact the Better Business Bureau to find out if complaints have been filed against the HMO.

  • Reviews: Review the comments left by previous customers. You should look for the positive feedback.

 Frequently Asked Questions

1. How much does it cost?

This is probably the first question you should ask yourself when looking for an HMO. Knowing how much you're paying per month won't make you spend more money than necessary.

2. What kind of benefits does it offer?

Some plans offer better benefits than others. For example, if you want dental coverage, you might want to look into a POSP or EPO plan. If you want prescription drug coverage, you might want a PPO plan.

3. Is it easy to enroll?

Enrolling in an HMO isn't tricky. All you need to do is complete an application form online. Once you've done this, you'll receive a confirmation email. You can then make your payment online using your debit or credit card.

4. Does it have a reputation?

You should always check the reputation of an HMO before signing up. Ask around to see which ones other people recommend. Also, read reviews online to get a feel for its customer service.

5. Can I change my plan?

If you find that you no longer need an HMO after all, you can easily switch to another plan. Call them and tell them you'd like to cancel your current plan. Most companies will give you a full refund within 30 days.

6. Do I need referrals?

No, but it's still a good idea to ask friends and family members for recommendations. They may be able to help you choose an HMO that suits your needs.

7. Will I lose my insurance?

It depends on what type of policy you currently have with your employer. Some employers allow employees to keep their existing policies while switching to an HMO. Others require you to sign up for a new plan.

8. Are there any hidden fees?

Yes, some HMOs charge extra fees for certain services. Be sure to ask about these charges before signing up.

9. Is it worth it?

The answer to this question depends on your situation. If you don't have health problems, you shouldn't worry too much about choosing an HMO. However, if you already have medical conditions, you should consider finding one that offers the best care possible.

10. Should I join an HMO?

The decision to join an HMO is entirely yours. It's not something that you should take lightly. Make sure you carefully weigh the pros and cons before making a final decision.

11. How long will it last?

HMOs generally last between three months and two years. The length of time you stay with an HMO depends on your circumstances.

12. How do I know if it's right for me?

Many factors go into deciding whether an HMO is suitable for you. These include your age, income level, number of dependents, and health history.


Everyone wants to live a healthy and happy life in today's world, and HMOs in Nigeria are here for all of it. Choosing an HMO is a big decision, but with the correct information, you can decide whether they are the right choice for you. Once you choose, you'll never regret it.





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