Top 10 HMOs in Nigeria
With the rising cost of living, many people find it harder to pay for healthcare needs out of their own pockets. This is where health insurance and Health Maintenance Organizations (HMOs) come in. Choosing the best HMO in Nigeria can help you manage your finances while providing the comfort of knowing you can access the care you need without the stress of high upfront costs. In a country where the best health insurance options can make a significant difference, finding the best HMO for you and your family is important.
A health maintenance organization (HMO) provides healthcare for a monthly or annual fee. HMOs differ from other types of health insurance plans primarily through their use of an established network of healthcare providers that members must use. They offer potential cost savings for members through lower premiums, but restrictions that keep costs low include the need to first receive medical care services from your designated primary care physician (PCP) and to obtain referrals from your PCP to other physicians for any additional needed care.
Top 10 HMOs in Nigeria
Choosing the best HMO for us starts with looking at which organizations Nigerians are actively entrusting with their healthcare. The National Health Insurance Authority (NHIA) compiles data on private plan enrollment, which offers the most reliable indicator of an HMO’s size and market confidence.
1. Hygeia HMO
Hygeia HMO is widely regarded as Nigeria’s leading health maintenance organization, known for its extensive hospital network and comprehensive healthcare packages. Established as part of the Hygeia group, the company has set the standard for managed healthcare in Nigeria.
Key Features:
- Over 3,000 accredited hospitals nationwide
- 24/7 customer support and emergency services
- Corporate and individual plans available
- Wellness programs and preventive care emphasis
- Digital platform for easy hospital verification and claims tracking
Popular Plans:
- Individual plans from ₦30,000 annually
- Family plans covering spouse and up to 4 children
- Corporate packages for businesses of all sizes
- Executive plans with international coverage options
2. AXA Mansard Health
AXA Mansard HMO is a subsidiary of AXA Mansard Insurance, bringing international healthcare standards to Nigeria. With the Easy Care plan, Nigerians can access health coverage for ₦12,000 every six months and ₦20,000 every year, making it one of the most affordable options.
Key Features:
- Part of global AXA insurance network
- Extensive coverage including dental and optical care
- Telemedicine services for remote consultations
- Outpatient and inpatient coverage
- Maternity benefits on premium plans
Popular Plans:
- Easy Care (₦20,000/year) – Basic outpatient coverage
- Classic plans (₦50,000 – ₦150,000/year)
- Executive plans (₦200,000+/year) with enhanced benefits
3. Reliance Health (formerly RelianceHMO)
Reliance Health has disrupted the Nigerian HMO market with its technology-driven approach and user-friendly mobile app. The company combines traditional HMO services with telemedicine and modern healthcare delivery.
Key Features:
- Award-winning mobile app for seamless access
- 24/7 telemedicine with licensed doctors
- AI-powered health insights and reminders
- Quick hospital verification via app
- Corporate wellness programs
Popular Plans:
- Basic plan for individuals priced at ₦3,500 per month (₦42,500 per year)
- Standard and Premium plans with enhanced coverage
- Family plans with flexible dependents
- Corporate packages with employee wellness features
4. Avon HMO
Avon HMO was registered by the NHIA to begin operations as a national HMO in 2012. The company has grown rapidly to become one of Nigeria’s most trusted healthcare providers, known for excellent customer service.
Key Features:
- National coverage across all states
- Fast claims processing
- Dedicated relationship managers for corporate clients
- Comprehensive maternity packages
- Chronic disease management programs
Popular Plans:
- Life Starter plan at ₦27,500 annually provides coverage of physiotherapy, travel immunization, and general consultations
- Life Saver and Life Guard plans (₦50,000 – ₦100,000/year)
- Executive and Premium plans with broader coverage
5. United Healthcare International
United Healthcare International Limited was incorporated in January 2000 and operates as both a private insurance company and a participant in the formal/informal sector of the social health insurance program by NHIA.
Key Features:
- Over two decades of industry experience
- Both NHIA and private insurance options
- Extensive provider network
- International treatment referral services
- Specialized plans for different demographics
Popular Plans:
- United’s plan costs ₦27,500 per annum and covers outpatient services and chronic conditions
- Family and individual packages
- Corporate employee benefit schemes
- Specialized elderly care plans
6. AIICO Multishield
AIICO Multishield is the HMO arm of AIICO Insurance, combining decades of insurance expertise with modern healthcare delivery. The company focuses on preventive care and long-term health management.
Key Features:
- Strong financial backing from AIICO Insurance
- Comprehensive health screening packages
- Cancer and critical illness coverage options
- Lifestyle disease management programs
- International emergency medical evacuation
Popular Plans:
- Basic plans starting from ₦25,000 annually
- Standard and Premium individual/family plans
- Corporate packages with wellness initiatives
- Executive plans with international coverage
7. Clearline HMO
Clearline HMO is accredited by NHIA with code number 3 and offers comprehensive health insurance plans with focus on accessibility and affordability.
Key Features:
- Transparent pricing with no hidden charges
- Quick enrollment process
- Dedicated customer care team
- Nationwide hospital network
- Focus on primary and secondary healthcare
Popular Plans:
- Individual plans for ₦30,000 enabling access to healthcare services yearly
- Family packages covering spouse and children
- SME-focused corporate plans
- Customizable plans for organizations
8. Hallmark HMO
Hallmark HMO is accredited by NHIA with code 96 and provides healthcare coverage that meets the needs of individuals, families, and businesses.
Key Features:
- Strong focus on customer satisfaction
- Efficient claims settlement process
- Preventive healthcare programs
- Chronic disease management
- Maternity and pediatric care emphasis
Popular Plans:
- Hallmark Zircon plan provides basic healthcare coverage for ₦30,000 a year
- Emerald, Ruby, and Diamond plans with progressive benefits
- Corporate wellness packages
- Specialized plans for different age groups
9. Ronsberger HMO
Ronsberger HMO is an approved health maintenance organization with code number 10, catering to government departments, private organizations, and individuals.
Key Features:
- Specialized government sector experience
- Streamlined processes for large organizations
- Nationwide service delivery
- Comprehensive laboratory and diagnostic coverage
- Emergency evacuation services
Popular Plans:
- Bronze individual plan costing ₦40,000 per annum with coverage for general consultation, laboratory investigations, and prescribed drugs
- Silver, Gold, and Platinum plans with enhanced benefits
- Customized government agency packages
- Corporate plans for private sector
Best For: Government agencies, parastatals, and large private organizations
10. Healthcare Partners Limited
Healthcare Partners HMO Limited was established in 1999 and commenced operations in August 2006 providing managed healthcare services to public and private institutions.
Key Features:
- Over 18 years of operational experience
- Strong institutional relationships
- Focus on value-for-money plans
- Primary and secondary care coverage
- Efficient hospital network management
Popular Plans:
- Treasure plan gives individuals access to primary and secondary care services at designated hospitals for ₦12,000 annually
- Bronze, Silver, and Gold plans
- Family packages
- Institutional and corporate plans
Comparison of Top HMOs in Nigeria
| HMO | Starting Price (Annual) | Hospital Network | Digital Platform | Best Feature |
| Hygeia HMO | ₦30,000+ | 3,000+ hospitals | Good | Largest network |
| AXA Mansard | ₦20,000 | 1,500+ hospitals | Excellent | International backing |
| Reliance Health | ₦42,500 | 1,000+ hospitals | Excellent | Telemedicine & app |
| Avon HMO | ₦27,500 | 2,000+ hospitals | Good | Nationwide coverage |
| United Healthcare | ₦27,500 | 1,500+ hospitals | Good | NHIA + private options |
| AIICO Multishield | ₦25,000+ | 1,200+ hospitals | Good | Critical illness focus |
| Clearline HMO | ₦30,000 | 800+ hospitals | Good | Transparency |
| Hallmark HMO | ₦30,000 | 1,000+ hospitals | Good | Maternal/child care |
| Ronsberger HMO | ₦40,000 | 900+ hospitals | Fair | Government sector |
| Healthcare Partners | ₦12,000 | 600+ hospitals | Fair | Most affordable |
Outro & Summary
HMOs in Nigeria are a valuable part of the insurance system in Nigeria, providing access to healthcare services at an affordable cost. The best way to secure quality healthcare in Nigeria is by selecting an HMO that aligns with your specific location and budget, rather than simply picking the biggest name.
FAQ
What is an HMO in Nigeria?
An HMO, or Health Maintenance Organization, is a private or public incorporated company registered by the National Health Insurance Authority (NHIA) to manage and provide healthcare services to enrolled members through a network of accredited hospitals and clinics.
How many accredited HMOs are there in Nigeria?
As of the latest available NHIA lists, there are over 60 accredited HMOs operating in Nigeria, categorized as National, Zonal, or State-specific operators.
Do HMOs cover all diseases in Nigeria?
No. Most basic and even intermediate HMO plans have limits and exclusions. We must always review the benefit package to check coverage for pre-existing, chronic, dental, or optical conditions, as these are often excluded or require a higher-tier plan.
