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

Which HMO in Lagos Do You Care For?

The best HMO in Lagos should be fulfilling in terms of good service delivery. Before you decide on one, it is recommended you understand offerings before getting a plan.

Lagos is home to a budding list of health insurance providers in Nigeria.

With different operational strengths, you need one of the HMO companies in Lagos that can give you the best medical coverages as well as a good experience when you visit a nearby health centre for redemption.

Best HMO in Lagos

Here below is the list of the top health insurance companies in Lagos:

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Lagos is home to almost all the nationally accessible health insurance providers in Nigeria, the ones that made the list have some unique features that make them the top you can consider among the HMO in Lagos to work with.

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

When you talk about being innovative, this health insurance provider is topnotch for its tech-centric approach to service delivery.

Reliance is one of the best HMO in Lagos known for its good relationship with health service providers. This is relative to how you will be treated when you go looking for medical needs.

Talking about being pocket-friendly, it provides a flexible monthly payment option, the only top independent health insurance provider that has such an arrangement for its users.

One of the thing that makes a good HMO in Lagos is its network of hospitals. With over 180 hospitals and health partners across local government councils within Lagos, Reliance HMO is one of the providers with an array of medical centres you can redeem services at.

Another good feature you will get working with them is telemedicine, only a part of few HMO companies in Lagos that has this service embedded conveniently on a mobile app to enable you to talk conveniently with a health professional anytime from anywhere.

For convenience, you can access your profile and your health insurance redemption ID anytime through its user dashboard and 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

Hygeia has been in the sector for long and understands the nitty-gritty of what it means to be good continuously with service delivery.

It is one of the best HMO in Lagos with good ratings by its users, a point important for you to be in a good company.

This health insurance provider is one of the HMO companies in Lagos that provides telemedicine as an addon-on to all its packages to enable you to do remote consultation when needed with a medical doctor.

Though premiums for its plans are on annual basis, a starter from ₦29, 000 per year looks pocket friendly and save you the stress of having to remit monthly.

Just like Reliance, Hygeia HMO has a mobile app with which you can access your profile as well as telemedicine services.


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

AXA Mansard is a well-known name when it comes to insurance. Its strong presence in the sector gives it an advantage when you talk about HMO companies in Lagos.

While its retail plans start from ₦49, 600 per year, it has a lower version which grants you access to over ₦300, 000 worth of medical needs for just ₦ 12, 000 on a six-month package though access is limited to 60 hospitals.

Its hospital network is large as partnering clinics and health centres are spread across Lagos.

You can also manage your profile conveniently using its myAXA mobile app as well as on the web portal.



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

Avon is another top HMO in Lagos you can get a plan to enjoy the benefits that come with the national health insurance scheme.

Its retail plans start from ₦ 19,999 for its Life Starter individual package, which is not much for one of the best HMO companies in Lagos.

The hospital network is over 400 with most of these partners residing in Lagos, a good choice if you decide to go with this provider but ensure to check this list of available hospitals to know if there is one closer to you.


MetroHealth HMO

4 out of 5 stars (4 / 5)

  • Its Metro Midi plan starts at ₦70, 000 per year
  • Over 360 hospitals and partner medical centres where you can receive treatments and consultations
  • All plans grant you access to private room for in patient services
  • Be a part of premium clientele base

Metrohealth is another top HMO in Lagos catering for premium client base.

Looking at its plans, health insurance from this provider grants you access to private wards in a case your condition will require staying in the hospital, a good option for one that likes privacy.

The pricing starter is a little on a high compared to other HMO companies in Lagos. For you to get health insurance from Metrohealth, you will need to cough out at least ₦70, 000 to access one of the plans under its retail packages.


How to Choose an HMO in Lagos

In deciding which health insurance provider is the best for you, bearing in mind some factors will enable you to reap the best of benefits that come with your subscription.

Amongst those include:

Hospital nearness to you

Lagoon Hospital - HMO in Lagos

This is the most important point you should consider.

Before you buy a plan from any of the best HMO in Lagos, it is necessary you take a look at their hospital list to know if one or more of the hospitals are not far from your location.

Of course, the closeness is a vital consideration as to when an emergency is required, you wouldn’t need to travel long to get medical attention if your health care centre is nearby.


HMO License Strength

Health management organisation in Nigeria has different classes of license.

The most common is the national type that gives an HMO company the power to operate everywhere nationwide.

But aside this, there are two others called state and regional licenses which limits their operation to the state or region of license limit.

If you are a frequent traveller or has plans to relocate or travel to another state in the future, it is best if you can choose one of the HMO companies in Lagos that has a national license type.

After all, the HMO in Lagos on this list has national licenses and a plan from any of them is redeemable at their partnering network nationwide.


Addon Benefits

Every of the HMO companies in Lagos has different plans with varying premiums.

While it could be tempting to buy the cheapest package, it might not be the plan you need. For instance, some packages do not provide coverage for pregnancy needs.

In order to ensure you are buying the one that fits your needs, review all the benefits that come with a plan of choice or if not available, request through the HMO’s support channel to send a document that captures applicable advantages for each of their packages.

Benefits are usually divided between service redemption category, popularly for outpatient and inpatient medical requirements.

Do not just subscribe for the tempting cheap offering but always make sure to review before buying a plan from any of the HMO in Lagos to ensure the medical needs that you require are well covered.


Customer Reviews

Though the best HMO companies Lagos listed here have good reviews from their users, a plan from other health insurance companies should be carefully reviewed taking into consideration how the current users are faring with services from them.

It has been known that some of the providers have poor relationships with health care providers especially for late remittance of insurance fee. A plan from such HMO in Lagos could ruin the experience for you.


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