Novo Health Africa — review & details
Lagos-based HMO listed on the NHIA accredited-HMO register (ID 74), with retail, corporate (Health Shield), geriatric and diaspora plans and a stated presence across Nigeria's 36 states.
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)
How Novo Health Africa compares in health insurance (hmos)
| Novo Health Africa | Reliance HMO | Avon HMO | |
|---|---|---|---|
| Cover Types | Retail (individual/family), corporate (Health Shield), geriatric, tertiary-institution (T-SHIP), diaspora (Loaf Plan), Pan-African referral plan | — | — |
| Accreditation | Listed on the NHIA accredited-HMO register (ID 74), verified August 2026 | — | — |
| Network | Nationwide provider network claimed (36 states); no network-size figure published on its site | Wide hospital network | 2,500+ facilities, all 36 states |
| Best For | Individuals and employers who want a broad plan menu, including cover for elderly parents and relatives paid for from abroad | Value + technology | Nationwide access |
| Visit Novo Health Africa → | Get a quote → | Get a quote → |
← Compare all health insurance (hmos)
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