Based on research and not influenced
This is based on rigorous research, testing and not influenced by our earning potentials.

All HMO in Nigeria you probably Didn’t Know

Compare HMO in Nigeria for the best decision.

Health insurance providers in Nigeria are geared towards making you pay cheap for your medical needs which could cost you a lot paying directly from your pocket.

With a growing list of health management companies in Nigeria and some innovating to bring better services to your doorstep, you will save a lot of money and enjoy more benefits getting yourself a plan from one of the best NHIS approved health maintenance organisations in Nigeria.

See yourself getting a consultation, medical check-ups and required treatments, then walking away from the hospital without paying any fee, that is the power the HMO in Nigeria companies puts in your hands.

They are a lot of HMO in Nigeria providing health insurances with varying plans suitable for all, business or an individual with affordable payment packages. With fees as low as ₦2, 000, you can get yourself premium treatment worth millions depending on the provider.

Top HMO in Nigeria

Here below are the top HMO in Nigeria you can subscribe to in order to enjoy the benefits that come with the National Health Insurance Scheme:

Editor’s Pick

Reliance HMO

4.8 out of 5 stars (4.8 / 5)

  • A low pricing starter of ₦3, 500 for ₦1.2m worth of health care
  • Services redeemable nationwide at Reliance HMO 850+ partner hospitals
  • 20% of your annual payment back if you stay healthy all year
  • Telemedicine puts doctors in your pocket
  • All plans come with gym access
  • Active 24hours customer service channel
  • Has plans for older people

 

Getting the best values for what you paid for is very important especially when it comes to your health.

For a long list of several HMO in Nigeria, many randomly chose which leads to over half of HMO subscribers getting pissed off with the services rendered by some of the health maintenance organisations.

Using technologies, RelianceHMO is one of the health insurance providers in Nigeria helping to close the gap ensuring users get the most of their services.

One very important addon that comes with using RelianceHMO is their telemedicine with which you can conveniently connect to medical personnel from the comfort of your home using a phone.

With a growing list of hospitals across Nigeria, having them as your provider gives you the opportunity to enjoy the good benefits that come with their plans.

 

Quick Picks

  • Over 850 hospitals in Nigeria
  • Your subscription is not limited to a hospital, you can walk into any of the 1,500+ hospitals working with RelianceHMO nationwide
  • The plan starts at a low of ₦3, 500 and you get medical coverage worth ₦1.2m
  • You get 20% of your annual payment back if you stay healthy all year
  • Telemedicine puts your doctor very close to you anytime from anywhere using the RelianceHMO Care mobile app

Hygeia HMO

4.5 out of 5 stars (4.5 / 5)

  • An affordable annual pricing model starting from ₦29, 000
  • Services redeemable nationwide at any selected Hygeia HMO partner hospitals
  • Over 1,200 hospitals and health partners across Nigeria
  • Easy access to your ID for service redemption through its mobile app

Avon HMO

4.2 out of 5 stars (4.2 / 5)

  • Its Individual Life Starter plan starts from ₦19, 999 per year
  • Over 400 hospitals and partner medical centres where you can receive treatments and consultations
  • Easily access your profile from its manager dashboard portal
  • It has plan that covers international medical insurance

AXA Mansard HMO

4.2 out of 5 stars (4.2 / 5)

  • Its EasyCare plan starts from ₦12, 000 for a half-year health care
  • Over 1, 300 hospitals and partner medical centres where you can redeem treatments nationwide
  • The retail plans covers medical aid in Nigeria and India
  • Its Platinum plus gives you access to a health insurance worth over ₦4m and will cost you ₦489k per year

 All HMO in Nigeria

Here are the list of HMO in Nigeria with their respective contact details
CODE
NAME OF HMO
ADDRESS
STATE
TELEPHONE
LICENSE TYPE
1
HYGEIA HMO LIMITED
Lagos Office: Bank of Industry Building (BOI) 2nd Floor 21/22 Marina Lagos.
Lagos
08120910005 08087183142 08189242956 08087183140 07049434246
NATIONAL
2
TOTAL HEALTH TRUST LIMITED
Abuja Office: 2 Marconi Road Palmgrove Estate Lagos. Abuja Office Nigeria Reinsurance Building 3rd Floor, Central Business District Abuja
Abuja
014482105-6, 07090858202, 07090858575, 07090858202, 08034021430, 08082678984, 017747150, 018045263, 08033003301, 07013674541 (SMS only) 08061236890, 08022907594 08022907595 08022907593
NATIONAL
3
CLEARLINE INTERNATIONAL LIMITED

Lagos Office: 16 Oyefeso Avenue Off Ikorodu Road Obanikoro Lagos.

Abuja Office: 4th Floor, Tofa House CBD Behind the Central Mosque.

Lagos

Abuja

08052408604 08023039114 08076490063 08076490064 08076590002 08033328360 08054494666 08076490063
NATIONAL
4
HEALTHCARE INTERNATIONAL LIMITED
Lagos Office: 308A Murtala Mohammed Way, Yaba, Lagos

Abuja Office: Flat A1, FEPA Estate, No.1, Nairobi Street, off Aminu Kano Crescent (near AMAL Court), Wuse 11.

Rivers Office: 4, Halliday Close, off Stadium Road, Port-Harcourt

Kano Office: 2nd Floor, 7A, Ibrahim Taiwo Road

Bauchi Office: 19, Shagari Shopping Complex, B19, Abubarkar Tafawa Balewa Road, GRA

Oyo Office: 2nd Floor, TAFOTECH Building, Oni & Sons Busstop, Ring Road, Ibadan

Enugu Office: 32/48 Chime Avenue, New Haven

Sokoto Office: 97, Ahmadu Bello Way, Opposite GT Bank, Sokoto

Imo Office: 7, Amaram Street, 2nd Floor, Owerri

Kwara Office: 233, Ibrahim Taiwo Road, behind Starcomms building, Taiwo Oke, Ilorin
Lagos

Abuja

Rivers

Kano

Bauchi

Oyo

Enugu

Sokoto

Imo

Kwara
01-4489820, 08052099094-99 08052099066, 08052099069 08052099071 08052099077, 08052099078 08052099055/56, 08052099060 08052099057 08052099061/63/65 08052099062 08052099074, 08052099073 08052099084, 08052099085 08052099058
NATIONAL
5
MEDI PLAN Health Care Limited
Lagos Office: Plot 32b, Admiralty Way, Lekki Phase I Victoria Island, Lagos.

Abuja Office: Suite 42-44 God’s Own Plaza Takun Close, Off Nkwerre Street By Ahmadu Bello Way Behind Unity House (Rochas Foundation), Abuja.
Lagos

Abuja
07055502580, 08057017448 07028093046, 08075000032 07029037152, 07029037153 08057017448, 08033081650 07055502580 07029037153 08033075733
NATIONAL
6
MULTI SHIELD NIGERIA LIMITED
Lagos Office: 322, Ikorodu Road Anthony Village Lagos.

Abuja Office: Metro Plaza Suite FF 22, 4th Floor Metro Plaza Central Area, Abuja
Lagos

Abuja
08053223090 08032916251
NATIONAL
7
UNITED HEALTHCARE INTERNATIONAL LTD
Abuja Office: 7, Jaba Close. off Dunukofia Street, Opp. FCDA Minister’s Gate Area 11, Garki, Abuja.

Lagos Office: 19, Biaduo Street, Off Keffi street, S/W Ikoyi, Lagos
Multi (contact them for more)
09-4611600, 08160000061 08036934220,08035902950 08034086095, 07034051300-3 0703451301, 07043936975, 07043936984, 07044948202 07044948201 07044948206 07043936989 07067008470 07043936979 07043936981
NATIONAL
8
PREMIUM HEALTH LTD
Lagos Office: 31B, Itafaji Road, Dolphin Estate. Ikoyi, Lagos

Abuja Office: No 5B Kabo Street Garki II Opposite Eddy Vic Hotel Abuja
Lagos

Abuja
01-4614498 08051680494 08036193411 08052913016 08077593180 08091916258
NATIONAL
10
Ronsberger Nigeria Limited
Abuja Office: No. 30 Ubiaja Street, Garki, Abuja.
Abuja
092902975 07051644470
NATIONAL
11
INTERNATIONAL HEALTH MANAGEMENT SERVICES LIMITED
Lagos Office: 2, Joseph Street, Off Broad Street, Lagos
Lagos
08085862123, 08123446223 08121010100, 08055861262 07041446622 07028505169
NATIONAL
12
CAPEX EXPATCARE LIMITED
Lagos Office: Emmanuel Plaza, 23B Fatai Atere Way Matori, Lagos.

Abuja Office: IGI House 3, Gwani Street, Wuse, Zone 4, Abuja
Lagos

Abuja
08055890010, 08055274020 08025240102, 08025240194 080252540194, 08034886898 08082049124 08033629216
NATIONAL
13
SONGHAI HEALTH TRUST LTD.
Abuja Office: Ground Floor, Nigeria Re-Insurance Building Beside Unity Bank, Plot 784A Herbert Macaulay Way, Central Area, Abuja.
Lagos

Abuja
08033584332, 08033571011 08035718708, 07035108928 08036090005
NATIONAL
14
INTEGRATED HEALTHCARE LTD.
Abuja Office: 12 Jos Street, Area 3, Garki, Abuja.

Anambra Office: No. 50A, Appeal Plaza, Maduka Street, Amudo Village, Awka, Anambra State.
Abuja

Anambra
08070833373 08051322662 08080323595
NATIONAL
15
PREMIER MEDICAID LTD.
Oyo Office: UBN Building. Opp. Mobil Petrol Station New Ife Road Ibadan.

Abuja Office: No. 4 Takum Close Area 11, Garki Abuja
Oyo

Abuja
Steve Auta 08063446465 08039696653
NATIONAL
16
MANAGED HEALTHCARE SERVICES LTD.
Lagos Office: 16 Obokun Street, Off Coker Road, Oshodi Lagos.

Abuja Office: 12 Ukpo close by Arts and Culture, Garki 2.
Lagos

Abuja
01-8144025 08035068857, 07009999999
NATIONAL
17
PRINCETON HEALTH GROUP
Oyo Office: 25, Mogaji-Are Road Opposite D-Rovans Hotel Ring Road Mapo, Ibadan.

Abuja Office 42, Ademola Adetokunbo Crescent Wuse II Abuja.
Oyo

Abuja
08034306380 08058724571
NATIONAL
18
MAAYOIT HEALTHCARE LTD.
Kwara Office: 1 Iloffa Road, G.R.A. Ilorin, Kwara State.

Abuja Office: Suite B33/34 Abraham Plaza sez Ekukinam Street Beside ABC Transport, Opp. Daby Trasport Utako, Abuja.
Kwara

Abuja
08058026841 08033752660
NATIONAL
19
Wise Health Services Limited
Abuja Office: 27 Addis Ababa Crescent, Wuse Zone 4, Abuja.
Abuja
08038183442
NATIONAL
20
WETLANDS HEALTH SERVICES LTD.
Rivers Office: Plot 280B Danjuma Drive Off Peter Odili Road, Trans Amadi Port Harcourt, Rivers State

Abuja Office: No 6 Suite B1 Canal House, CBA, by Church Gate Abuja
Rivers

Abuja
08055026610 08036670623
NATIONAL
21
ZENITH MEDICARE LTD.
Abuja Office: 11Lagtang Close, Area 3 Garki, Abuja
Abuja
08087339159, 09- 2915402 08053378096, 08053915081 09-2915432,39, 48, 86, 08055262097 08036491499, 08053915081, 08136335909
NATIONAL
22
DEFENCE HEALTH MAINTENANCE LTD.
Abuja Office: Plot 1323, Adesoji Aderemi Street Gudu District, Abuja.
Abuja
08075801389, 08033279452, 09-5241524, 096717113
NATIONAL
23
UNITED COMPREHENSIVE HEALTH MANAGERS LTD.
Rivers Office: Plot C1, Rumuogba Trans Amadi Port Harcourt Rivers State.
Rivers
08033419470 08055021760
NATIONAL
24
HEALTHCARE SECURITY LTD.
Abuja Office 1: 3rd Floor, Unity Kapital Plc Building Plot 497 Abogo Largema Street Off Constitution Avenue Central Business District , Abuja.

Abuja Office 2: Suite C23 2nd Floor, Danziyal Plaza Opp. NNPC Station Plaza CBD Abuja
Abuja
08033148050 07087045184 07067880493 08035305687 07067880493 08184872625 07087045180
NATIONAL
26
ROYAL HEALTH MAINTENANCE SERVICES
Imo Office: 12 Cause way/24 Wetheral road, Owerri.
Imo
08037956689
NATIONAL
28
ZUMA HEALTH TRUST.
Abuja Office: Block 6 Flat 7, Abak Close Off Ibadan Street (Opp. Catholic Pro-Cathedral) Area 3 Garki, Abuja
Abuja
07063650092 Dr. C.D. Ali 08068741616
NATIONAL
29
MARFEMA NIGERIA LIMITED
Abuja Office: 4A Gurara (Lumsar) Street, Ibrahim Abacha Estate, Zone 4, Abuja.
Abuja
08036234377 07039110828
NATIONAL
30
PREPAID MEDICARE SERVICES LTD.
Abuja Office: 1 Bangui Street Off Adetokunbo Ademola Crescent Beside Chicken House Wuse II Abuja.
Abuja
07027861384 08085927262
NATIONAL
33
KBL HEALTHCARE LIMITED
Lagos Office: 371, Borno Way Alagomeji Yaba Lagos.

Abuja Office: 2nd Floor, Abia House, Off Ahmadu Bello Way, Central Business District
Lagos

Abuja
01-7450657 08191117422 07028449340 08099927277 07028449340 08033797548
NATIONAL
34
STERLING HEALTH MANAGED CARE SERVICES LIMITED
Lagos Office: Valley View Plaza 99 Opebi Road Ikeja, Lagos

Abuja Office 27 Oro Ago Street Off Mohammadu Buhari Way Old CBN Headquarters Garki II Abuja
Lagos

Abuja
07069728007 08023020934 08021210747 08023020934 07080137390 08060824989
NATIONAL
35
HEALTH PARTNERS LIMITED
Lagos Office: 23 Ribadu Road Off Awolowo Way South West Ikoyi Lagos.

Abuja Office 5, Jaba Close Dunukofia Street Opposite FCDA Area 11, Garki, Abuja.
Lagos

Abuja
08066248822
NATIONAL
36
PRECIOUS HEALTHCARE LIMITED
Abuja Office: No. 8 Lungi Street Off Cairo Wuse II Abuja
Lagos

Abuja
08085556471 08085555819
NATIONAL
39
OCEANIC HEALTH MANAGEMENT LIMITED
Lagos Office: NAFCON House Branch, 264, Murtala Muhammed Way, Ebute Metta
Lagos
08120220255 08032352310
NATIONAL
41
INVESTCORP MEDICARE LTD
Lagos Office: Bufallo House No 2 Allen Avenue Ikeja, Lagos.
Lagos
08057280794 08065379264 08026308381 07028003275 08034078679
NATIONAL
43
GREENBAY HEALTHCARE SERVICES LTD
Abuja Office: Suite AF 12, Annex A White House Metro Plaza Abuja.
Abuja
07042328818 08037094827 08032118005
NATIONAL
44
MEDEXIA LTD
Lagos Office: 221 Ikorodu Road Lagos.
Lagos
08057970069 08023037594 08067622753
NATIONAL
46
ROYAL EXCHANGE HEALTHCARE LTD
Lagos Office: 13 Oke owogbowo Street Apongbon Lagos
Lagos
08023157683, 08065722406
NATIONAL
48
MARINA MEDICAL SERV. HMO LTD
Lagos Office: 24 Montgomery Road Yaba Lagos
Lagos
7023028780 07023268783 08022598259 08027256325 08033232032 08023188022
NATIONAL
51
NONSUCH MEDICARE LTD
Abuja Office: Wema Bank Plaza 2nd Floor Suite 3 CBD, Abuja
Abuja
08034080055 08034545334 08069087483 07029092505 08037003144 08028542679
NATIONAL
54
SALUS TRUST GTE LTD
Lagos Office: Catholic Secretariat of Nigeria Force Road Tafawa Balewa Square Lagos.
Lagos
01-2636670 01-2635849 08062910443
NATIONAL
57
PROHEALTH HMO LTD
Abuja Office: 62 Lobito Crescent Off Ademola Adetokunbo Wuse II Abuja.
Abuja
08062691967 08033497651 08033903647 08033497701
NATIONAL
59
MANSARD HEALTH PLAN NIGERIA LTD
Lagos Office: 18A Dapo Solanke Close Lekki Phase Lagos.
Lagos
8025144905
NATIONAL
60
GNI HEALTHCARE NIGERIA LTD
Lagos Office: Plot 32 Western Avenue Alaka Surulere Lagos
Lagos
8033524202
NATIONAL
61
ULTIMATE HEALTH MANAGEMENT SERVICES LTD
Abuja Office: Wema Bank Building 4th Floor Airport Return Road Central Business District Abuja.

Lagos Office: Tisco Plaza, 2nd Floor, 2nd Wing Plot 6, Ashabi Cole Street Central Business District, Alausa Ikeja, Lagos State
Abuja

Lagos
08060665572 0811111448 07027853908 08059065192 08103888857 08067627940
NATIONAL
63
AVON HEALTHCARE LIMITED
Lagos Office: 29 Rumens Road Ikoyi, Lagos
Lagos
01-2779800 07002779800
NATIONAL
64
REGENIX HEALTH SERVICES LIMITED
Bayelsa Office: Kieni Plaza KLM 13 Melford Okilo Road Akena- Epie, Yenagoa
Bayelsa
080374762540 08077947206 08950665
NATIONAL
66
HARRY HEALTH INTEGRATED SERVICES LIMITED
Abuja Office: 10 Dutse Street, War College Gwarinpa Abuja
Abuja
08039113311 07085515555
NATIONAL
67
WELL HEALTH NETWORK LIMITED
Enugu Office: 15 Ibusa Avenue, Independent Layout, Enugu
Enugu
08086250004, 07065208602 07056587064
State Enugu
68
BUPAR HEALTHCARE LIMITED
Lagos Office: Plot 102, Isheri Road, KOTCO House, Ojodu Berger, Ikeja Lagos
Lagos
08023142458, 08099403120 08027739828, 08098839828
State-Lagos
69
IVES MEDICARE
Lagos Office: 4 Mojidi Street, Off Toyin Street Ikeja, Lagos
Lagos
08056374823, 08033697303
State-Lagos
70
LIFECARE PARTNERS LIMITED
Lagos Office: 123A Bisi Obadina Street,Omole Phase1, Ikeja. Lagos.
Lagos
08134975325 08086110862 01-4544128
NATIONAL
71
DOMA HEALTHCARE LTD
Gombe Office: Suite 9-12, 2nd Floor Adamu Fura HouseAdjacent ECOBANK Biu Road Gombe
Gombe
08035053690
State-Gombe
72
Allied HMO LTD
Oyo Office: 1, Alhaji Animashaun Street Ajeigbe Bus Stop Ring Road Ibadan
Oyo
8081761429
Zonal-SW
73
POLICE HEALTH MAINTENANCE LIMITED
Abuja Office: 21, Kainji Crescent Off Lake Chad Street Maitama, Abuja.
Abuja
07026305673 08033043717
NATIONAL
74
NOVO HEALTH AFRICA LTD
Lagos Office: 1, Adekola Balogun Street Off Remi Olowude Street Lekki Phase I, Lagos
Lagos
08174602236 08174602025
NATIONAL
75
MH HEALTHCARE LTD
Lagos Office: 6A Alegbe Close Off Sunmola Street Mende Maryland Lagos.
Lagos
8060426239
NATIONAL
76
ANCHOR HMO INTERNATIONAL COMPANY LTD
Lagos Office: Goldcrest Mall Building Km 23 Lekki-Epe Express way, Lagos.
Lagos
07080601192, 08031230306 07033344402, 014609934
NATIONAL
77
METROHEALTH HMO LIMITED
Lagos Office: 14th Floor, St. Nicholas House, 26 Catholic Mission Street, Lagos Island.
Lagos
01-4606790, 01-6310038 08034020280, 08087183111
NATIONAL
78
GREENFIELD HEALTH MANAGEMENT LTD.
Enugu Office: 5B ihiala Street, Independence Layout, Enugu State.

Abuja Office No. 146 Thaba Tseka Street, Off Adetokunbo Ademola, Wuse II, by British Village, Abuja.

Lagos Office: Road 5, Suite J34, Ikota Shopping Complex VGC, Ajah-Lagos.

Rivers Office: Favour award shopping mall, suite 41, 2nd floor, left wing. #30 Okporo Road by Artillery Junction, Rumuogba, Port-harcourt.
Enugu

Lagos

Abuja

Rivers
08135836235 08176794563 08136261753 09097174272
NATIONAL
79
LIFE WORTH MEDICARE LTD.
Lagos Office: 13 Bishop St, Ilupeju, Lagos
Lagos
09053035803
State-Lagos

The above list contains all National Health Insurance Scheme (NHIS) approved HMO in Nigeria.

This list has a column indicating their respective license type, meaning that:

  • National: this HMO company can operate everywhere in Nigeria
  • State: the provider is confined to its defined state
  • Zonal: cannot operate anywhere outside its license assigned zone

Though some of the NHIS nationally approved HMO in Nigeria does not have locations in some states, you can still make use of them provided they have hospitals that operate close to your area.

How HMO Works in Nigeria

Using a consumer model, the grouping below shows how HMOs work in Nigeria:

Aggregate Healthcare Facilities

All HMO in Nigeria performs aggregation which is an act of onboarding hospitals, clinics, telemedicine professionals and others to their platform.

The strength of an HMO rely heavily on the hugeness of its coverage, implying the number of walk-ins health centres or as in the case of virtual, the number of professional personnel available for remote consultations through a channel usually provided by the HMO company.

 

Sell HMO Plans

Once the HMO company has a huge database of health providers, the next thing will be using different models to onboard clients who buy varying plans to access the health facilities provided by any of its onboarded health providers.

What this means is that you prepay for your health needs beforehand and this is usually cheaper compared to paying directly from your pocket as payment for your health expenses is usually handled from the pool of funds contributed by everyone.

For some employed individuals, HMO payment is usually handled by their employers.

 

Intermediate Usage

Once you have a plan from any of the HMO in Nigeria, you can access health facilities at any of its partnering hospitals or health centres without having to bother about payment as your HMO subscription will cover for the necessary fees.

Once you have purchased a plan, you will be assigned an ID with which you will be required to present at any of their centres. The centre can validate the authenticity of your ID by simply accessing a platform provided to them by your HMO.

So each time you redeem a service, your HMO gets notified.

 

Benefits of HMO Plans

Having health insurance through one of the HMO in Nigeria comes with benefits which include:

  • You are protected from needing emergency funds during critical health conditions
  • Reduced cost for health services
  • Access to telemedicine anytime for remote consultations
  • Track your health history easily

HMO in Nigeria FAQs

What is HMO?

It simply means Health Maintenance Organisation.

An HMO serves as an intermediate between a health finder (you) and a health provider (hospital).

What is NHIS?

NHIS is the abbreviated form of the National Health Insurance Scheme.

A body established by the government to provide affordable health facilities to the citizens. 

The NHIS helps regulate the operations of HMO in Nigeria.

What is the difference between HMO and NHIS

NHIS licenses HMO to provide the links citizens need to access affordable health services.

How many HMO are in Nigeria?

There are 60 NHIS licensed HMO in Nigeria

My Company Pays, Can I Change my HMO?

You can change your HMO in Nigeria as an individual contributor but quite different if your employer pays for you.

Most companies prefer tying up to a single provider for easy payment remittance for all employees. 

Consider discussing with the department that handles your company’s HMO financing if you can change your provider.

How do I get Health Insurance without a Job?

Coverage of HMO in Nigeria has two types:

  • Private
  • Public

If you do not have a job, you can consider buying a private plan from one of the HMO in Nigeria.

 

 

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