Clearline HMO — review & details
One of Nigeria's oldest HMOs, incorporated in 1994 and on the NHIA accredited register (HMO ID 3). Offers retail, SME, corporate and student (TISHIP) plans with a claimed network of over 1,400 partner hospitals nationwide.
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
How Clearline HMO compares in health insurance (hmos)
| Clearline HMO | Reliance HMO | Avon HMO | |
|---|---|---|---|
| Cover Types | Retail (individual/family), SME, corporate, tertiary-institution (TISHIP) health plans | — | — |
| Accreditation | NHIA-accredited (listed on the NHIA HMO register, ID 3) | — | — |
| Network | Claims 1,400+ partner hospitals nationwide — confirm your preferred hospital is on the list before buying | Wide hospital network | 2,500+ facilities, all 36 states |
| Best For | Buyers who want a long-established HMO with a large national hospital network | Value + technology | Nationwide access |
| Visit Clearline HMO → | Get a quote → | Get a quote → |
← Compare all health insurance (hmos)
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