Best 20 HMO In Nigeria 2021 (Tested and Proven)

best hmo in nigeria
Best 20 HMO In Nigeria 2021

Getting health insurance is a no-brainer.


The only challenge is choosing the right HMO (health management organization).

If you are in this boat, not to worry.

We have reviewed the top 20 health insurance company in Nigeria and listed them here so you can make the right choice when it comes to your managing your health.

Nigeria’s National Health Insurance Scheme is one of the largest and oldest pioneers of health care in Nigeria, officially established under the NHIS Act in 2004, by the Federal Government of Nigeria, to provide easy access to affordable and quality healthcare for all Nigerians.

The NHIS provides Social private health insurance in Nigeria which pays for health care services, using a common pool of funds contributed by the members of the scheme. This pool of funds is then reimbursed to HMOs, who use it to pay for their members in need of medical attention.

Nigerian health insurance works, and is available for citizens to take advantage of it, although a survey in 2018 stated that  97% of Nigerians didn’t have any health insurance; showing that most people either don’t have access to the scheme or can’t find a reliable HMO they can trust to take care of their medical needs.

If you are one of such people you will find this topic on best HMO in Nigeria particularly helpful.


Top 20 HMO In Nigeria


  1. Reliance HMO
  2. Hygeia HMO
  3. RedCare HMO
  5. Health Point HMO
  7. Hallmark HMO
  8. Metrohealth HMO
  9. Greenbay HMO
  10. Total Health Trust HMO
  11. Roding HMO
  12. Anchor HMO
  13. Swift HMO
  14. Lifeworth HMO
  15. Sterling Health HMO
  16. Novo HMO
  17. Multiplan HMO
  18. Princeton Health Limited HMO
  19. Defence Health Limited HMO
  20. Healthcare Security Limited


HMO In Nigeria Facts:


  • What Is Health Maintenance Organisation?
  • Top Best 20 HMO In Nigeria.


What Is Health Maintenance Organisation?


Health Maintenance Organisation (HMO) is an insurance structure that provides health care coverage to its members, through a  network of physicians, for a stipulated monthly or annual fee.


HMOs, build their network of health care providers consisting of clinical facilities and specialists, and primary care physicians, by entering a contract with them. Those in the contract with the HMO will be paid an agreed fee to offer a range of services to people who subscribe to the HMO.


This fixed payment is why HMOs can offer lower premiums than the deal offered by other types of health insurance, while still maintaining high-quality medical care and retaining their network of care providers.



List of the Best Health Insurance Companies in Nigeria


1. Reliance HMO

One of the best HMOs in Nigeria, Reliance HMO has an all-inclusive health plan, that caters to the health care of your employees, family (from children to aged parents), and yourself.


This plan allows you to free your mind from the worries and stress that comes with paying huge sums for medical bills and treating illnesses, as you can rest assured knowing that the health of everyone under your care has been insured.


Reliance HMO offers you resources like a list of available partner hospitals in different Nigerian states, a downloadable care app, and a retail benefit list that shows the prices and benefits of their Retail Red Beryl Plan and Retail Alexandrite Plan, which medical personnel these plans cover as well as services and forms of health care you gain access to as a member.


Organizations that use Reliance HMO for their business include Jumia, OPay, Kudi, Tizeti, Paystack, Kudi, etc.


2. Hygeia HMO

Hygeia HMO is another good Health Maintenance HMO in Nigeria, which you can use to access your slice of the Nigerian health insurance.


The health plans offered by Hygeia HMO are suitable for both individuals and families, and you can benefit from it, whether you are an individual, families, senior citizens, pregnant women, and SMEs, as they offer health plans for everyone.


Hygeia provides access to health care for employees of small businesses, medium-sized businesses, or SMEs, and they have partnered with big brands like GTBank, UAC Food, Interswitch, Shell, Emzor, Multichoice Nigeria, etc.


3. RedCare HMO

Redcare HMO offers budget-friendly healthcare plans and is suitable for individuals who just want personal healthcare tailored specifically for them. Additionally, Redcare acts as HMO for families, companies, and parastatals.


Redcare HMO’s One healthcare package is all in one offering both curative and preventive medicine, employee-well-being services, and healthcare insurance, and a cost-effective and convenient international healthcare package you can use anywhere in the world.


Other health plan services offered by Redcare HMO are corporate and private health plans, clinic services management, pre-employment test, and drug and alcohol test.



IHMS (International Health Management Services) HMO is owned and managed by medical practitioners and institutional investors and provides Social Health Insurance, family health care, health insurance services, and private health insurance to individuals, companies, and families.


Health plans offered by IHMS HMO include – a retail health plan, corporate, group and association, tertiary institution social health insurance, community-based social health insurance, mega health plan, third party administration health plan, worksite clinic plan, and international health plan.


5. Health Point HMO

Healthpoint HMO strives to provide universal health care coverage and make health care affordable and accessible to everyone regardless of their age, gender, or their health and socioeconomic status.


As part of their inclusive healthcare initiative, Healthpoint offers free healthcare insurance to widows and orphans in Nigeria.


The subscription packages for Health Point HMO are standard, PRO, PRO+, they cover different medical care services and benefits at affordable rates.



AIICO HMO is “One of the foremost Health Maintenance Organisations in Nigeria”, and provides medical advice to restore and preserve clients’ health, and makes available a long list of healthcare centers, where you can avail premium medical care from.


AIICO’s well-founded pool of resources provides quality health care services to members, and they partner with a team of highly motivated medical professionals.


Clients of AIICO HMO are Dulfil, WEMA Bank, FEDEX, Federal University of Technology Akure (FUTA).


7. Healthcare Security Limited

Healthcare Security Limited HMO offers health insurance plans that are tailored to cater to the health needs of you and your loved ones, that are affordable to any type of income earners.


Their plans range from Executive to Standard, to Budget Plus, to Budget Plan.


8. Metrohealth HMO

Metrohealth HMO offers a quality health plan that is tailored for you.


This inclusive and diverse HMO provides different health services which are created to meet the healthcare needs of different types of people.  Health plans available are Corporate And Self And Family Plan, Sweet Sixties, Metroflexi, and Metro Telemedicine.


MetroHealth’s health plans cover medical needs like Laboratory and Diagnostic tests, HIV and AIDS care and treatment, Pregnancy, Dental Care, etc.


9. Greenbay HMO

Greenbay HMO offers dependable and reliable healthcare plans which are guaranteed to cover the health needs of you, your family, and your employees as well at an affordable price.


By choosing Greenbay, you are ensured to get reliable healthcare plans for you and your family and enable your staff to enjoy the best healthcare in Nigeria.


10. Total Health Trust HMO

Total Health Trust HMO is a member of Liberty Health, Nigeria, they offer health insurance solutions to corporates and SMEs for employees, here in Nigeria and across Africa as well.


Their healthcare plans include -Lite, Classic, Classic Critical Care, Plus Africa, and Global Elite.


11. Roding HMO

Roding healthcare limited provides quality,  timely, and affordable health needs to members.


Roding HMO uses a combination of experience, expertise, and professionalism, to dispense health insurance that is well catered to individual needs.


12. Anchor HMO

Anchor HMO provides you with easy access to quality health services that suit both individuals and businesses.


For businesses especially, the Anchor health plans are designed to meet the healthcare needs of employees from big and small employers.


Anchor HMO holds contracts with over 900 clinics/hospitals nationwide.


13. Swift HMO

All the plans offered by Swift HMO, are specially tailored to provide medical cover for individuals and families alike. They also offer healthcare plans for employees of large and small businesses.


The health insurance offered by Swift HMO covers services like preventive treatments and checkups.


14. Lifeworth HMO

Lifeworth HMO offers budget-friendly individual plans that meet your health care needs, as well as health insurance plans that cover couples, family, corporate, community, and private and international entities too.


15. Mansard HMO

Mansard HMO, offers affordable, flexible, and quality healthcare plans, that suit individual and family needs, and can also be customized to serve corporate organizations, groups, employees or serve as international healthcare coverage.


Additionally, Mansard offers life and non-life insurance products and services to individuals and institutions in Nigeria, and also provides asset/investment management services, health management services, and pension fund administration through its subsidiaries – AXA Mansard Investments Limited, AXA Mansard Health Limited, and AXA Mansard Pensions Limited.


16. Sterling Health HMO

Sterling Health HMO has health plans that provide comprehensive, affordable, and quality product that covers all levels of care.


By signing up as a member of Sterling HMO, you have access to medical services such as ambulance transportation services, lab tests, preventive programs, quarterly health checks, and international health plans.


17. Novo HMO

Novo HMO prides itself on providing its member’s excellent coordination and efficient delivery of health care services, better client experience, enhanced client engagement, reduced medical errors, and improved clinical outcomes.


The health plans offered by Novo HMO include NHA Corporate Plan, tailored for  corporate organizations in any industry, NHA Retail Plan an extensive health coverages that care for students, small business owners, domestic staffs, and extended family members, NHA Transnational Plan an initiative borne out of a partnership with international World Class Facilities aimed at providing access to quality healthcare for patients whose illnesses cannot be treated locally, and the classic NHIS

Plan which is dedicated to providing quality healthcare for Nigerians regardless of their socio-economic status.


18. Royal Exchange HMO

As an insurance firm, Royal Exchange Healthcare acts as a financial intermediary for the healthcare industry and sits as a liaison between members of the HMO and the selected healthcare providers who will be catering for them.


Royal Exchange Healthcare’s primary function is to design medical health plans for their members that are flexible and accommodating. This HMO has a wide network of healthcare providers with a large coverage across various states.


19. Princeton Health Limited HMO

Princeton Health Limited HMO is established to ensure that all individuals in Nigeria gain unrestricted access to quality medical care regardless of factors like age, tribe, academic qualification, or social status.


In addition to providing medical care for sick members, Princeton Health strives to inspire and promote the image, lifestyle, and healthy living of their members,  by responding to health issues 24/7 in a timely manner.


Being inclusive, the health insurance plans offered by Princeton HMO, are tailored for the care of individuals, families, and businesses who value freedom, generous benefits, and quality. Members have access to the nearest and best hospitals near their home, office, or children’s school.


20. Defence Health Limited HMO

Defense Health Limited HMO is owned and managed by the ministry of defense and the Nigerian armed forces, it was established to fix the challenges of providing quality health care services to all eligible military personnel who are either serving or retired and their families who otherwise don’t have access to it.


Defense Health Limited is specifically for the members of the military and their families, and it operates as a body that houses and unifies the health resources and care of armed forces like the Nigerian Army, the Nigerian Navy, and the Nigerian Air Force.


Defense Health Limited HMO provides these armed forces and their families with a widespread network of healthcare providers and professionals, who are civilians to enable them to access quality healthcare services while serving their country.


Final Thoughts

Usually, obtaining a health insurance plan in Nigeria is a process that most Nigerians aren’t conversant with, often due to the fact that they are uninformed about the benefits of various health insurance packages and how each of them works or they don’t know about the various HMOs which they could use to access these benefits.


You need good health insurance for yourself, your family, and employees, and using a standard Health Maintenance Organization like the ones we’ve listed above, is the surest way for you to get it.

That wraps up our article on the best hmo in nigeria, see you next time!!


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