Compare health insurance (HMOs) in Nigeria
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Best for tech & value
Reliance HMO
★★★★☆
NHIA-accredited HMO
Regulator
Individual, family & corporate
Plans
App-first, telemedicine
Standout
Wide hospital network
Network
Value + technology
Best For
Pros
- Strong app and telemedicine
- Affordable individual & family plans
- Quick, tech-enabled support
Cons
- Network is wide but smaller than the biggest players
- Widest hospital access needs a premium tier
Fees, eligibility & documents
Fees
PremiumQuote-based (varies by plan tier)
PlansIndividual, family & corporate
RegulatorNHIA-accredited
Eligibility
- Any Nigerian resident — individually, as a family, or via your employer
- NHIA-mandated for formal employers with 5+ staff
Documents needed
- Valid ID
- Passport photograph
- Enrollee and dependant details
Widest network
Avon HMO
★★★★☆
NHIA-accredited HMO
Regulator
2,500+ facilities, all 36 states
Network
Heirs Holdings Group
Backing
Individual, family & corporate
Plans
Nationwide access
Best For
Pros
- Among the widest networks in Nigeria
- Coverage across all 36 states + FCT
- Well-capitalised (Heirs Holdings)
Cons
- Top-tier premiums can be higher
- Experience varies by hospital
Fees, eligibility & documents
Fees
PremiumQuote-based (varies by plan)
Network2,500+ facilities
RegulatorNHIA-accredited
Eligibility
- Any Nigerian resident — individually, as a family, or via your employer
- NHIA-mandated for formal employers with 5+ staff
Documents needed
- Valid ID
- Passport photograph
- Enrollee and dependant details
Best for claims & service
AXA Mansard Health
★★★★☆
NHIA-accredited HMO
Regulator
1,000+ hospitals
Network
AXA Mansard (large insurer)
Backing
Claims & service
Standout
Reliable claims
Best For
Pros
- Backed by a large, well-capitalised insurer
- Strong on complex claims and service
- Polished digital experience
Cons
- Network narrower than the widest HMOs
- Top-tier plans cost more
Fees, eligibility & documents
Fees
PremiumQuote-based (varies by plan)
Network1,000+ hospitals
RegulatorNHIA-accredited
Eligibility
- Any Nigerian resident — individually, as a family, or via your employer
- NHIA-mandated for formal employers with 5+ staff
Documents needed
- Valid ID
- Passport photograph
- Enrollee and dependant details
Most established
Hygeia HMO
★★★★☆
NHIA-accredited HMO
Regulator
20+ years
Track Record
Deep, strongest in South-West
Network
Individual, family & corporate
Plans
Experience & stability
Best For
Pros
- One of the longest-established HMOs
- Deep, well-tested network
- Strong corporate offering
Cons
- Digital experience less slick than newer HMOs
- Network strongest in the South-West
Fees, eligibility & documents
Fees
PremiumQuote-based (varies by plan)
Track record20+ years
RegulatorNHIA-accredited
Eligibility
- Any Nigerian resident — individually, as a family, or via your employer
- NHIA-mandated for formal employers with 5+ staff
Documents needed
- Valid ID
- Passport photograph
- Enrollee and dependant details
Best for families
Leadway Health
★★★★☆
NHIA-accredited HMO
Regulator
Leadway (strongest claims record)
Backing
Service culture
Standout
Family & corporate focus
Plans
Families & seniors
Best For
Pros
- Backed by Nigeria's most financially solid insurer
- Service-led culture
- Good depth for families and seniors
Cons
- Positioned more premium than budget
- Newer HMO brand than Hygeia/Avon
Fees, eligibility & documents
Fees
PremiumQuote-based (varies by plan)
BackingLeadway Group
RegulatorNHIA-accredited
Eligibility
- Any Nigerian resident — individually, as a family, or via your employer
- NHIA-mandated for formal employers with 5+ staff
Documents needed
- Valid ID
- Passport photograph
- Enrollee and dependant details
First-generation HMO
Clearline HMO
★★★★☆
Retail (individual/family), SME, corporate, tertiary-institution (TISHIP) health plans
Cover Types
NHIA-accredited (listed on the NHIA HMO register, ID 3)
Accreditation
Claims 1,400+ partner hospitals nationwide — confirm your preferred hospital is on the list before buying
Network
Buyers who want a long-established HMO with a large national hospital network
Best For
hmo
Type
Pros
- Three decades of operating history — one of the first-generation Nigerian HMOs
- Verified on the NHIA accredited-HMO register
- Broad claimed hospital network with plans across retail, SME and corporate segments plus a mobile app
Cons
- Plan tiers and pricing are not published in detail on the website — you must contact them or use the buy-a-plan flow to see real costs
- Sector-wide NHIA complaint data shows authorisation delays are the most common HMO complaint in Nigeria — confirm the pre-authorisation turnaround in writing
- Lower-tier plans typically restrict you to a subset of the network; the headline hospital count is not what every plan gets
Fees, eligibility & documents
Fees
PremiumDepends on plan tier and family size — request a quote or use the online buy-a-plan flow
Eligibility
- Open to individuals, families, SMEs and corporates resident in Nigeria
- Enrolment and premium payment before cover starts; waiting periods commonly apply to pre-existing and specialist conditions
- Students covered via tertiary-institution (TISHIP) arrangements
Documents needed
- Completed enrolment form with passport photograph
- Valid means of identification
- Dependants' details for family plans
Wide city coverage
Redcare HMO
★★★★☆
Private (individual/family) and corporate health plans, plus employee well-being services
Cover Types
NHIA-accredited (listed on the NHIA HMO register, ID 65)
Accreditation
Claims 600+ hospitals across 196 cities in all states — verify your hospital is on the plan's list
Network
Individuals and employers who want coverage that reaches beyond Lagos and Abuja
Best For
hmo
Type
Pros
- Verified on the NHIA accredited-HMO register
- Company states network coverage in all Nigerian states, useful for staff or family outside the big cities
- Online registration portal for new private enrollees
Cons
- Plan benefit schedules and prices are not published openly on the site — pricing requires a direct request
- Smaller brand than the top-tier HMOs, with less independent coverage of its claims performance
- As with most Nigerian HMOs, pre-authorisation is required for many procedures — sector complaint data shows approval delays are the most common member complaint, so test their response time before committing
Fees, eligibility & documents
Fees
PremiumDepends on plan tier and cover level — register interest or request a quote
Eligibility
- Open to individuals, families and corporate groups in Nigeria
- Enrolment via the online registration portal or directly with the sales team
- Waiting periods typically apply before some benefits activate
Documents needed
- Completed registration (online form)
- Valid means of identification
- Passport photographs and dependants' details for family cover
Wellness HMO
★★★★☆
Individual, family and corporate health plans, plus telemedicine (0800TELEMED)
Cover Types
NHIA-accredited (listed on the NHIA HMO register, ID 41)
Accreditation
Claims a national network of over 1,000 primary, secondary and specialist hospitals
Network
Buyers who value telemedicine access and a group with its own pharmacy/distribution arms
Best For
hmo
Type
Pros
- Verified on the NHIA accredited-HMO register
- Toll-free telemedicine line and a 24-hour call centre
- Group structure (pharmacy, medical distribution, health tech) supports drug availability alongside cover
Cons
- Plan tiers and premiums are not published on the website — quotes are by enquiry
- The group's broad branding (Wellness Health Group vs Wellness HMO) can make it unclear which entity you are contracting with — confirm the HMO entity on your policy documents
- Less independent press coverage of claims and authorisation performance than the largest HMOs
Fees, eligibility & documents
Fees
PremiumDepends on plan tier and family size — contact the 24-hour call centre for a quote
Eligibility
- Open to individuals, families and corporate groups in Nigeria
- Enrolment and premium payment before cover starts
- Waiting periods typically apply to specialist and pre-existing conditions
Documents needed
- Completed enrolment form
- Valid means of identification
- Dependants' details and passport photographs for family plans
NSITF-founded
ProHealth HMO
★★★★☆
Individual, family and corporate health plans
Cover Types
NHIA-accredited (listed on the NHIA HMO register, ID 57)
Accreditation
Describes an extensive provider network across the country with a searchable provider directory
Network
Buyers in Abuja and the northern zones who want a nationally accredited HMO with public-sector roots
Best For
hmo
Type
Pros
- Verified on the NHIA accredited-HMO register
- Public-private ownership (founded by NSITF) and zonal offices beyond Lagos, including Abuja, Kaduna, Enugu, Maiduguri and Port Harcourt
- Plans can be bought online through a secured payment store
Cons
- Plan benefit schedules are not detailed on the homepage — you must dig into the plans section or ask before you can compare properly
- Smaller retail brand presence than the large Lagos-based HMOs
- Sector-wide NHIA data shows authorisation delays are the most common HMO complaint in Nigeria — agree the approval turnaround in writing
Fees, eligibility & documents
Fees
PremiumDepends on plan tier — see the Plans & Benefits section or the online store for current pricing
Eligibility
- Open to individuals, families and businesses in Nigeria
- Enrolment and payment before cover starts
- Waiting periods typically apply to some benefits
Documents needed
- Completed enrolment form
- Valid means of identification
- Dependants' details for family plans
Songhai Health Trust
★★★★☆
Individual and family plans, corporate cover, and an informal-sector programme (Gifship)
Cover Types
NHIA-accredited (listed on the NHIA HMO register, ID 13)
Accreditation
Partner healthcare providers spread across the country, with a searchable provider directory on its site
Network
Public-sector employees, Abuja-based buyers and informal-sector workers (artisans, traders, farmers, retirees)
Best For
hmo
Type
Pros
- Verified on the NHIA accredited-HMO register; about 25 years of operating history
- Rare informal-sector product (Gifship) alongside standard corporate and family plans
- Strong Abuja/FCT base for buyers outside the Lagos-centric HMO market
Cons
- Website publishes little detail on plan tiers, benefit limits or pricing — comparison requires direct contact
- Smaller digital footprint — no self-service purchase flow comparable to the newer digital HMOs
- Provider network size is not quantified publicly, so confirm your preferred hospitals are covered before enrolling
Fees, eligibility & documents
Fees
PremiumDepends on plan and group size — contact the Abuja head office for a quote
Eligibility
- Open to individuals, families, employers and informal-sector workers in Nigeria
- Enrolment and premium payment before cover starts
- Programme-specific criteria apply for the informal-sector (Gifship) product
Documents needed
- Completed enrolment form
- Valid means of identification
- Passport photographs and dependants' details for family cover
Seniors plans
Bastion HMO
★★★★☆
Individual and family, seniors (55–80+), corporate and SME health plans
Cover Types
NHIA-accredited (listed on the NHIA HMO register, ID 97)
Accreditation
States a network of healthcare facilities across Nigeria — size not quantified; check your hospital before buying
Network
Families needing cover for elderly parents, and small businesses wanting app-first administration
Best For
hmo
Type
Pros
- Verified on the NHIA accredited-HMO register
- Dedicated seniors plans up to age 80+ — a genuine gap-filler in the Nigerian retail market
- Self-service plan purchase and member portal, plus in-app telemedicine and 24/7 support
Cons
- Higher accreditation ID and newer brand — a shorter public track record than first-generation HMOs
- Hospital network size is not published, so coverage depth outside Lagos is unverified
- Little independent reporting on claims and authorisation turnaround — get the pre-authorisation process in writing
Fees, eligibility & documents
Fees
PremiumDepends on plan tier and age band (seniors plans priced separately) — see the online plan-purchase portal
Eligibility
- Open to individuals, families, SMEs and corporates in Nigeria
- Seniors plans cover ages 55 to 80+ with age-banded terms
- Enrolment and payment via the online portal before cover starts
Documents needed
- Online registration details
- Valid means of identification
- Dependants' details and dates of birth (required for age-banded plans)
Wide plan range
Novo Health Africa
★★★★☆
Retail (individual/family), corporate (Health Shield), geriatric, tertiary-institution (T-SHIP), diaspora (Loaf Plan), Pan-African referral plan
Cover Types
Listed on the NHIA accredited-HMO register (ID 74), verified August 2026
Accreditation
Nationwide provider network claimed (36 states); no network-size figure published on its site
Network
Individuals and employers who want a broad plan menu, including cover for elderly parents and relatives paid for from abroad
Best For
hmo
Type
Pros
- Verified on the NHIA accredited-HMO register (ID 74)
- Unusually broad plan menu, including geriatric and diaspora-funded plans that many HMOs do not offer
- Mobile app (Novo Companion) and enrollee portal for managing cover
Cons
- Publishes no provider-network size, so network depth is hard to compare before you enrol
- NHIA accreditation is not displayed on its own website — you have to check the regulator's register yourself
- Smaller brand than the tier-one HMOs, with less independent coverage of its claims record
Fees, eligibility & documents
Fees
PremiumQualitative — request a quote. Novo advertises retail plans starting from ₦72,292.50/yr (provider's own figure); corporate pricing is negotiated per group.
Eligibility
- Individuals, families and employer groups in Nigeria
- Diaspora plans allow Nigerians abroad to buy cover for relatives at home
- Geriatric plan targets older enrollees, an age band many HMOs exclude
Documents needed
- Completed enrolment form
- Contact and identification details for each enrollee
- Premium payment (annual for retail plans)
Operating since 2001
International Health Management Services (IHMS)
★★★★☆
Retail (individual/family), corporate, SME and seniors' plans; telemedicine on corporate plans
Cover Types
Listed on the NHIA accredited-HMO register (ID 11), verified August 2026
Accreditation
National HMO expanding branches across the 36 states and FCT (company's description); no provider-count published
Network
Households and employers who value a long operating history, and older Nigerians needing chronic-disease and dialysis cover
Best For
hmo
Type
Pros
- Verified on the NHIA accredited-HMO register (ID 11)
- Operating since 2001 — a longer track record than most mid-tier HMOs
- Dedicated seniors' plan covering advanced diagnostics, cancer care, dialysis and chronic-disease management
Cons
- No provider-network or enrollee figures published, so scale claims cannot be independently checked
- Plan pricing is not displayed online — every plan requires a quote request
- Self-description as "Nigeria's leading HMO" is marketing, not an independent ranking
Fees, eligibility & documents
Fees
PremiumQualitative — request a quote. Pricing varies by plan tier (retail, SME, corporate, seniors) and group size; none is published on the website.
Eligibility
- Individuals and families (retail plans)
- SMEs and larger employers (group plans)
- Older adults via the seniors' plan, including chronic-condition cover
Documents needed
- Completed enrolment form
- Enrollee identification and contact details
- Premium payment for the chosen plan
Strong senior cover
Metrohealth HMO
★★★★☆
Corporate (minimum 20 members), retail/SME (up to 19 persons), Sweet Sixties (ages 60–69), Mellow 70s, diaspora and international plans, telemedicine
Cover Types
Listed on the NHIA accredited-HMO register (ID 77), verified August 2026
Accreditation
Searchable provider list on its website; no network-size figure published
Network
Families arranging cover for parents in their 60s and 70s, and Nigerians abroad paying for relatives' healthcare
Best For
hmo
Type
Pros
- Verified on the NHIA accredited-HMO register (ID 77)
- Rare explicit plans for enrollees in their 60s and 70s, age bands most HMOs decline
- Diaspora plans let Nigerians abroad cover relatives at home, with telemedicine included
Cons
- Corporate plan requires a minimum of 20 members (provider's stated threshold)
- No published claims-processing timelines or network-size figures
- Senior plans are age-capped by band, so cover past the stated ranges needs direct confirmation
Fees, eligibility & documents
Fees
PremiumQualitative — request a quote. Enrolment is by completed form plus annual payment; pricing varies by plan band and is not published online.
Eligibility
- Individuals, couples, families and groups of up to 19 (retail/SME plans)
- Employers with at least 20 staff (corporate plan)
- Ages 60–69 for Sweet Sixties and 70+ for Mellow 70s, per the plan bands
Documents needed
- Completed enrolment form
- Enrollee details for each person covered
- Annual premium payment
Sterling Health HMO
★★★★☆
Individual, family and corporate plans in tiers: Basic, Classic, Bronze, Silver, Gold, Platinum, Platinum Extra
Cover Types
Listed on the NHIA accredited-HMO register (ID 34), verified August 2026
Accreditation
Care accessed through its approved hospital network; find-a-provider search on the website, no network-size figure published
Network
Buyers who want a clear ladder of plan tiers to trade cover against budget
Best For
hmo
Type
Pros
- Verified on the NHIA accredited-HMO register (ID 34)
- Seven clearly named plan tiers make it easy to step cover up or down
- Mobile app (iOS and Android) and stated quick activation after payment confirmation
Cons
- No published provider-network size or claims-settlement statistics
- Enrolment runs through its support team rather than fully online
- Lower public profile than tier-one HMOs, with little independent commentary on service quality
Fees, eligibility & documents
Fees
PremiumQualitative — request a quote. Pricing steps up through the Basic-to-Platinum-Extra tiers; no prices are published on the website.
Eligibility
- Individuals and families (retail tiers)
- Employer groups (corporate plans)
- Cover activates after successful payment confirmation, per the provider
Documents needed
- Completed enrolment via the provider's support team
- Enrollee identification and contact details
- Premium payment for the chosen tier
GreenBay Healthcare Services
★★★★☆
Corporate staff plans (including Greencare Freedom), individual and family plans, workplace health solutions
Cover Types
Listed on the NHIA accredited-HMO register (ID 43), verified August 2026
Accreditation
Liaises with hospitals in its provider network; no network-size figure published
Network
Employers wanting a smaller, service-led HMO for staff cover
Best For
hmo
Type
Pros
- Verified on the NHIA accredited-HMO register (ID 43)
- Corporate-focused plan design with a named flagship option (Greencare Freedom)
- Runs the Agape Medical Scheme, a sponsored healthcare initiative for orphans
Cons
- Publishes no provider-network size or claims statistics
- Thin public information on retail plan detail and pricing — most answers require direct contact
- Smaller footprint and brand than the established national HMOs
Fees, eligibility & documents
Fees
PremiumQualitative — request a quote. Corporate pricing is negotiated per organisation; individual and family pricing is not published online.
Eligibility
- Employer groups seeking staff health cover
- Individuals and families in Nigeria
- Charitable organisations can sponsor orphan cover via the Agape Medical Scheme
Documents needed
- Completed enrolment form
- Staff or family member details for each enrollee
- Premium payment for the chosen plan
Anchor HMO International
★★★★☆
Corporate health plans, retail plans (Welfare Basic, Individual Robust, Maternity Robust), third-party administration
Cover Types
Listed on the NHIA accredited-HMO register (ID 76), verified August 2026
Accreditation
Patient-centred provider network; states it will add credible hospitals an enrollee prefers; no network-size figure published
Network
Employers and individuals who want flexibility to bring a preferred hospital into the network
Best For
hmo
Type
Pros
- Verified on the NHIA accredited-HMO register (ID 76)
- States it pays provider claims within two weeks of receipt (provider's own claim) — prompt provider payment tends to protect enrollees at the hospital desk
- Offers to incorporate a credible hospital you already use into its network
Cons
- No published provider-network size or independent verification of its two-week claims-payment claim
- Narrower retail plan menu than the bigger HMOs — no published senior or diaspora options
- Parts of the website were still marked "coming soon" when reviewed, suggesting limited online self-service
Fees, eligibility & documents
Fees
PremiumQualitative — request a quote. Retail plan pricing (Welfare Basic, Individual Robust, Maternity Robust) is not published; corporate pricing is negotiated per group.
Eligibility
- Individuals and families (retail plans, including a maternity-focused option)
- Employer groups (corporate plans and third-party administration)
- Access to care is by enrollee identity card at network hospitals
Documents needed
- Completed enrolment form
- Enrollee details for identity-card issuance
- Premium payment for the chosen plan
