Top 20 HMOs in Nigeria: Affordable Health Insurance 2025

Are you looking for affordable health insurance in Nigeria? Search no further, because this post explores some of the top health insurance management organizations in Nigeria, even in 2025.

No one exactly wants to fall sick, but we can all agree that having to always pay out of pocket during a health emergency can significantly drain one’s finances. This is why subscribing to a health insurance package is highly recommended for individuals and families.

However, finding comprehensive and affordable health insurance in Nigeria is a challenge that most people face in their quest for affordable healthcare. This is why I have done my careful research to show you the 20 top health management organizations (HMOs) for your affordable health insurance in Nigeria today.

What is a Health Management Organization (HMO)

HMOs are private or semi-private organizations accredited by the National Health Insurance Scheme (NHIS) to implement health insurance schemes, collect and manage premiums from subscribers, and act as intermediaries between the NHIS, healthcare providers, and beneficiaries.

In Nigeria, think of the National Health Insurance Scheme (NHIS) as the main terminal authority that sets the rules, coordinates how buses run, and ensures that everything operates smoothly. HMOs are like the bus conductors–they collect your fare (i.e, your health insurance premium) and help you get on the right bus to your destination (i.e, the right hospital or healthcare provider).

Different HMOs partner with different hospitals or healthcare providers. And also, you are entitled to varying health service coverage depending on your package, as long as your subscription is active.

Benefits of Health Insurance in Nigeria

Just before we see the top 20 HMOs in Nigeria, here are some benefits of health insurance in Nigeria.

1. Reduces out-of-pocket expenditure on healthcare, thus reducing financial strain.
2. Reduces psychological stress during a health emergency.
3. Improves health-seeking behavior.
4. Ensures completion of care without defaulting due to financial reasons.
5. Overall, it improves health outcomes during an illness.

Top 20 Health Management Organizations (HMOs) in Nigeria

According to the NHIA, the NHIS organization, there are currently 61 registered and accredited in Nigeria. Many of them have health insurance packages for individuals and families.

Choosing the most suitable HMO for you and your family can be a significant challenge. Here, you will see the top 20 HMOs in 2025 ranked using the following criteria:

• Plans coverage
• Technology/accessibility
• Hospital network
• Affordability and value for money
• Service quality, and
• The range of healthcare plans for all categories of people.

1. AXA Mansard HMO

AXA Mansard is a member of the AXA Group, a worldwide leader in insurance and asset management, with 149,000 employees serving 95 million clients in 50 countries. Their plans are widely inclusive, covering bills for hospital visits, vaccinations, medications, surgeries, laboratory tests, and so on.

• Healthcare plans: Retail health plan, EasyCare (Cheapest), and Corporate plan.
• Network of hospitals/clinics: 500+
• Cost: Starting at ₦12,000 for six months to ₦20,000 annually for basic plans.
• Service quality: Excellent
• Technology/accessibility: Mobile app available
• Portal: https://www.axamansard.com/health/easycare/

2. Reliance HMO

Reliance is another popular HMO service in Nigeria, featuring health plans across family and business worlds. Its office is located at 32 Lanre Awolokun St, Gbagada, Lagos State, and it offers affordable health insurance plans for Nigerians that cover admission fees, laboratory investigations, surgeries, and so on.

• Healthcare Plans: Family plan, Parents plan, and Business plan.
• Network of hospitals/clinics: 500+
• Cost: ₦3500 – ₦13,500 per month.
• Service quality: Excellent
• Technology/accessibility: Mobile app available, and offers telemedicine services.
• Portal: https://getreliancehealth.com/nigeria/the-next-generation-hmo-quote/

3. Hygeia HMO

Hygeia is one of the oldest and most prominent HMOs in Nigeria, with over 30 years of experience in the industry. Although the company received its license from the National Health Insurance Scheme (NHIS) in 2005, it has been in existence since 1986. Its head office is located at ConSol House, ConSol Close, Block 2 Oshodi – Apapa Expressway, Lagos State.

• Healthcare Plans: Individual plan, Family plans, Maternity plans, SME group plans, Corporate plans.
• Network of hospitals/clinics: 1200+
• Cost: Starting at ₦4,600/month for the HyBasic Individual plan.
• Service quality: Satisfactory
• Technology/accessibility: Mobile app available
• Portal: https://hygeiahmo.com/

4. Avon Healthcare Limited

7. Leadway Health Limited

Leadway Health is another HMO that offers one of the best health insurance services in Nigeria. Their head office is located at 121/123, Funso Williams Avenue, Iponri, Surulere, Lagos, and they have over 50 years of experience in the health insurance industry.

• Healthcare Plans: Individuals and family plan, small and large company plans, and the senior citizens plan.
• Network of hospitals/clinics: 1000+
• Cost: Starting at ₦70,000 annually for the Strawberry Retail plan.
• Service quality: Satisfactory
• Technology/accessibility: Mobile app + telemedicine available.
• Portal: https://leadwayhealth.com/

8. Redcare Health Service Limited

Redcare HMO focuses on providing quality and affordable healthcare coverage for individuals, families, and corporate organizations. It is located at 41 Gbolade Adebanjo Street, Off Coker Road, Ilupeju. Lagos, Nigeria.

• Healthcare Plans: Corporate plans, Private plans, and Others.
• Network of hospitals/clinics: 600+
• Cost: Starting at ₦35,000 annually for the R-start plan.
• Service quality: Fair.
• Technology/accessibility: Mobile app available + telemedicine.
• Portal: https://redcarehmo.com/health-plans/

9. AIICO Multishield Limited

AIICO Multishield HMO is the HMO arm of AIICO Insurance Company, which also covers other types of insurance plans. This HMO is one of the best and oldest in the health insurance industry, having started in 1997. The company’s head office is located at 322, Ikorodu Rd, Anthony Village, Anthony, Lagos.

• Healthcare Plans: Standard plan, Evacuation plan, Executive, Magnum, Executive, and Super Executive plan.
• Network of hospitals/clinics: 1800+
• Cost: Starting at ₦65,000 annually for the standard plan.
• Service quality: Fair
• Technology/accessibility: Telemedicine and mobile app available.
• Portal: http://www.aiicomultishield.com/

10. GreenBay HMO

With over twenty-five years of experience in the industry, GreenBay HMO focuses on providing health insurance plans to individuals and corporate organizations. Their head office is currently located at 9 Odunuga St, Opebi, Ikeja, Lagos.

• Healthcare Plans: Individual and Corporate plans.
• Network of hospitals/clinics: 800+
• Cost: Starting at ₦50,000 per head annually, or ₦150,000 per family for the basic private plan.
• Service quality: Fair
• Technology/accessibility: No telemedicine, no mobile app.
• Portal: https://greenbayhmo.com/

11. Clearline International Limited

Clearline International Limited HMO was incorporated in 1994 and duly registered with the NHIS to provide health insurance to individuals, corporate bodies, and institutions. Since then, they have been committed to upholding a culture of integrity, compassion, and accountability.

With up to 10 regional presences, its head office is located at 290 Ikorodu Road, Obanikoro, Lagos 102216, Lagos.

• Healthcare Plans: Individual, Corporate plans, and Tertiary Institution Social Health Insurance plan.
• Network of hospitals/clinics: 2000+
• Cost: Starting at ₦5,000 annually for the Kia Kia telemedicine plan, and ₦50,000 for a basic Clear value plan with standard coverage.
• Service quality: Satisfactory
• Technology/accessibility: Telemedicine, mobile app available.
• Portal: https://clearlinehmo.net/

12. United Healthcare International Limited

United Healthcare International is one of the foremost Health Maintenance Organizations in Nigeria, accredited to operate as both a private health insurance company and as a participant in the formal/informal sector of the Social health insurance program administered by the NHIS.

Over the past two decades, they have established themselves as a reliable and trustworthy provider of health insurance coverage for individuals, families, and businesses, with an extensive network of over 2,000 hospitals and specialist centers across Nigeria.

• Healthcare Plans: Retail health plan, Corporate, International, and Travel plans.
• Network of hospitals/clinics: 2000+
• Cost: Starting at ₦48,000 annually for the individual retail plan, and ₦198,000 annually for the family retail plan.
• Service quality: Satisfactory
• Technology/accessibility: Telemedicine + mobile app.
• Portal: https://unitedhealthcare-ng.com/

13. LifeWORTH HMO

LifeWORTH HMO was established in 2014, focusing on providing healthcare to its clients. They are located at 175 Ikorodu-Ososun Rd, Palmgrove, Lagos.

• Healthcare Plans: Individual, Couple, Family, Corporate, Community, and Platinum Private/International plans.
• Network of hospitals/clinics: 2500+
• Cost: Starting at ₦59,508 annually for the individual Life Blue plan, and ₦267,786 for the family Life Blue plan.
• Service quality: Satisfactory
• Technology/accessibility: Telemedicine, mobile app available.
• Portal: https://lifeworthhmo.com/

14. MetroHealth HMO

MetroHealth HMO is another leading HMO that offers unparalleled comprehensive primary, secondary, and tertiary health insurance services across the country. It was registered in 2013 and currently has over 1,000 healthcare partners.

Its head office is located on the 14th Floor, St. Nicholas House, 26 Catholic Mission St, Lagos Island, Lagos.

• Healthcare Plans: Individual, Couples, Family, Business, Organization plans.
• Network of hospitals/clinics: 1000+
• Cost: Starting at ₦130,000 annually for the MetroMidi family plan covering up to a maximum of 19 persons.
• Service quality: Excellent
• Technology/accessibility: Telemedicine, mobile app available.
• Portal: https://www.metrohealthhmo.com/

15. Total Health Trust Limited

Total Health Trust (THT) is one of Nigeria’s leading HMOs. It was founded in 1997 and commenced operation in 1998. With over 25 years of experience, THT has one of the largest networks of independent service providers with over 1200 private and more than 5000 NHIS-accredited clinics and hospitals throughout the country.

THT offers affordable and reliable insurance services to its over 300,000 customers, including 500 corporate clients and government institutions. Its head office is located at Marconi Rd, Onipanu, Lagos.

• Healthcare Plans: Individual, Family, and Corporate plans.
• Network of hospitals/clinics: 6,200+
• Cost: Quote available on request
• Service quality: Fair
• Technology/accessibility: Mobile app available + Telemedicine
• Portal: https://www.libertyhealth.net/nigeria/en/

16. HCI Healthcare

HCI Healthcare is one of the foremost HMOs commenced in 1997 and was among the first batch of eight HMOs signed in by the NHIS Act that year. Its head office is located at 296 Herbert Macaulay Way, Sabo-Yaba, Lagos.

HCI is committed to becoming the best HMO in Africa with a focus on delivering quality healthcare services efficiently to all its customers and healthcare partners.

• Healthcare Plans: Retail, Corporate, School plan, Informal sector plan, Senior citizens plan, and International plan.
• Network of hospitals/clinics: 1,500+
• Cost: Quote available on request
• Service quality: Fair
• Technology/accessibility: Mobile app available + Telemedicine
• Portal: https://www.hcihealthcare.ng/

17. Anchor HMO

Anchor HMO focuses on providing easy access to quality health services for individuals and corporate entities. They have several health plans that cater to various segments of society. Their head office is located at Express Road, Goldcrest Plaza, Lekki – Epe Express Way, Lekki.

• Healthcare Plans: Retail, Corporate, Third-Party Administration plans, and Customized Health plan.
• Network of hospitals/clinics: 900+
• Cost: Starting at ₦50,000 annually for the Welfare Retail plan.
• Service quality: Satisfactory.
• Technology/accessibility: Mobile app available + Telemedicine
• Portal: https://anchorhmo.com/

18. Integrated Healthcare Limited

Integrated Healthcare is a result-oriented HMO with flexible and affordable health plans and is committed to better customer satisfaction.

• Healthcare Plans: Individual, Family, Corporate, Formal Sector, Tertiary Institution, and Community-Based Social Insurance Plans.
• Network of hospitals/clinics: 1,600+
• Cost: Quote available on request.
• Service quality: Fair.
• Technology/accessibility: Mobile app available + Telemedicine
• Portal: https://integratedhealthcareltd.com/

19. Sterling Health HMO

Sterling Health MCS is a Health Maintenance Organization established in 2006, with affordable and quality healthcare services. They are located at Opebi, Ikeja, Lagos.

• Healthcare Plans: Retail, Corporate, Third-Party Administration plans, and Customized Health plan.
• Network of hospitals/clinics: 5000+
• Cost: Quotes available on request.
• Service quality: Fair.
• Technology/accessibility: Mobile app available + Telemedicine
• Portal: https://sterlinghealthmcs.com/

20. Defence Health Maintenance Limited HMO

Defense Health Maintenance Limited is a corporate entity owned by the Nigerian Ministry of Defence and the Nigerian Armed Forces. It boasts over twelve years in managed care and has offices in 23 states of the Federation. It provides health insurance to individuals and families of those in the Nigerian forces.

• Healthcare Plans: Individual, Family, Corporate, Formal Sector, Tertiary Institution, and Community-Based Social Insurance Plans.
• Network of hospitals/clinics: 2,200+
• Cost: Available only to members of the force and their households.
• Service quality: Satisfactory
• Technology/accessibility: Mobile app available + Telemedicine
• Portal: https://www.dhmlnigeria.com/about-dhml/

These HMOs have coverage depending on the specific plan, and may or may not cover health services like emergency, admission fees, basic laboratory investigations, physiotherapy, immunization, minor and major surgeries, including Caesarian Section, antenatal care/normal deliveries, post-natal care, family planning, advanced investigations like CT-scan and MRI, gym entry services, etc. It depends on the HMO and the plan you subscribed to.

Top 10 Most Affordable HMOs Ranked

From the analyses above, here are the top 10 most affordable HMOs in Nigeria, ranked.

1. Reliance HMO: ₦3,500 – ₦13,500 per month
2. Hygeia HMO: Starting at ₦4,600/month
3. AXA Mansard HMO: ₦12,000 for six months or ₦20,000 annually for the EasyCare plan.
4. Avon Healthcare Limited: Starting at ₦27,500 annually.
5. Hallmark HMO: Starting at ₦30,000 annually for the Zircon plan.
6. Novo Health Africa: Starting at ₦30,000 annually.
7. Redcare Health Service Limited: Starting at ₦35,000 annually for the R-start plan.
8. United Healthcare International Limited: Starting at ₦48,000 annually for the individual retail plan.
9. Greenbay HMO: Starting at ₦50,000 annually per head for the basic private plan.
10. Anchor HMO: Starting at ₦50,000 annually for the Welfare Retail plan.

Top 11 HMOs With The Best Value for Money

This list is based on a comparison between premium cost vs network of hospitals, service quality, and availability of a mobile app + telemedicine services.

1. Reliance HMO

• Cost: ₦3,500–₦13,500 per month (₦42,000 annually at minimum).
• Network of hospitals: 500+
• Service quality: Excellent (noted for swift service and digital innovation).
• Technology/accessibility: Mobile app available, telemedicine services offered.
• Value for Money: Offers affordable plans, a decent hospital network, and excellent tech features.

2. Hygeia HMO

• Cost: ₦4,600/month (₦55,200 annually for HyBasic).
• Network of hospitals: 1,200+ (largest among low-cost plans).
• Service quality: Satisfactory.
• Technology/accessibility: Mobile app available.
• Value for Money: Great for its wide hospital network, despite moderate service quality.

3. AXA Mansard HMO

• Cost: ₦20,000 annually for the EasyCare plan.
• Network of hospitals: 500+
• Service quality: Excellent.
• Technology/accessibility: Mobile app available.
• Value for Money: Affordable and reliable for quality service; however, its hospital network is smaller than Hygeia’s.

4. Avon Healthcare Limited

• Cost: ₦27,500 annually (basic plan).
• Network of hospitals: 700+
• Service quality: Satisfactory.
• Technology/accessibility: Mobile app available.
• Value for Money: Reasonable cost with a fair balance between service quality and coverage.

5. Hallmark HMO

• Cost: ₦30,000 annually for the Zircon plan.
• Network of hospitals: 1,000+
• Service quality: Satisfactory.
• Technology/accessibility: Mobile app available.
• Value for Money: Higher cost justified by a larger hospital network.

6. Novo Health Africa

• Cost: ₦30,000 annually.
• Network of hospitals: 2,000+
• Service quality: Satisfactory.
• Technology/accessibility: Mobile app available.
• Value for Money: Exceptional for hospital network size, though service quality isn’t top-tier.

7. Redcare Health Service Limited

• Cost: ₦35,000 annually.
• Network of hospitals: 600+
• Service quality: Fair.
• Technology/accessibility: Mobile app + telemedicine available.
• Value for Money: Balanced but slightly overpriced for the number of hospitals.

8. United Healthcare International

• Cost: ₦48,000 annually for the individual retail plan.
• Network of hospitals: 2,000+
• Service quality: Satisfactory.
• Technology/accessibility: Mobile app + telemedicine.
• Value for Money: Strong network but higher cost compared to Novo Health.

9. GreenBay HMO

• Cost: ₦50,000 annually.
• Network of hospitals: 800+
• Service quality: Fair.
• Technology/accessibility: No telemedicine or mobile app.
• Value for Money: Lags behind competitors offering better accessibility at similar prices.

10. Anchor HMO

• Cost: ₦50,000 annually for the Welfare Retail plan.
• Network of hospitals: 900+
• Service quality: Satisfactory.
• Technology/accessibility: Mobile app + telemedicine.
• Value for Money: Competitive, thanks to tech features.

11. LifeWORTH HMO

• Cost: ₦59,508 annually.
• Network of hospitals: 2,500+ (largest network).
• Service quality: Satisfactory.
• Technology/accessibility: Telemedicine + mobile app.
• Value for Money: Higher cost justified by unparalleled network coverage.

Overall Best HMOs in 2025

Best overall: Reliance HMO

Best in network coverage: LifeWORTH HMO

Most budget-friendly with technology and good accessibility: Hygeia HMO

Factors To Consider When Choosing an HMO in Nigeria

In addition to the detailed summary of the top 20 HMOs above, get first-hand reviews from people currently subscribed to or who have subscribed to any HMO you are considering. If you can’t find anybody like that, there are review sites you can check out.

But generally, here are some important factors to consider before choosing a Health Management Organization for your personal and family health insurance.

1. Your budget

This is important because you want to choose an HMO whose plans you can afford from your income. Determine how much the annual cost of the insurance package is to see if it is pocket-friendly relative to your salary.

Whether cheap or expensive, subscribing to a health insurance plan will save you a lot of money in the case of a medical emergency.

2. Ease of access

Some HMOs make it very hard to resolve a claim to get funded for healthcare services. This can significantly add to the level of stress you or your relative experiences during the hospital admission or care.

Thus, it is important to consider choosing an HMO that makes it easy to resolve claims. The availability of a mobile and adequate technology can help reduce the paperwork and running around you have to do.

3. Hospital coverage

The number of hospitals and health facilities a Health Management Organization has in its network, the better. This way, you can access health insurance services with ease in any state you are in during a medical emergency.

Overview of Health Insurance in Nigeria

Since the inception of health insurance in Nigeria in 1999, it has gradually evolved through several stages. Before this time, expenditure was solely through out-of-pocket payment by individuals, and sometimes with limited support from the government and formal institutions.

Philantropists were also involved in providing financial assistance for healthcare, but this remains out of the cheer will of the individual. While these have not changed so much today, the Nigerian government formerly established the National Health Insurance Scheme under the National Health Insurance Scheme Act (NHIA) to ensure universal health coverage by making healthcare more accessible and affordable to individuals.

At that time, the scheme was only available to those working in the formal sector, while individuals in non-governmental sectors and non-formal sectors were marginally excluded.

In the early 2000s, private health insurance companies began to emerge, offering health insurance services to Nigerians. However, their plans were mostly expensive and limited in coverage and accessibility to only wealthy Nigerians and expatriates.

In the early 2010s, there was a rise of HMOs, and this played a crucial role in the expansion of health insurance in Nigeria. These HMOs provided managed care services and health insurance policies to individuals in urban areas, including those in both formal and informal sectors.

This was further consolidated in 2022 when the NHIS signed the NHIA Act into law, mandating all Nigerians, including those in the formal and informal sectors to have access to basic health insurance coverage with the goal of achieving universal health coverage (UHC) by 2030 in Nigeria.^[1]Nigeria Health Watch. (2023, May 11). Accelerating the Implementation of the NHIA Act to Improve Health Insurance Coverage in Nigeria. Nigeria Health Watch. … Continue reading^[2]Oxford Business Group. (2024). Universal access: A revamped mandatory insurance scheme paves the way for delivering health care to all citizens [Analysis]. In The Report: Nigeria 2024. Retrieved from … Continue reading

However, health insurance coverage is still relatively poor in Nigeria as at today.

Reasons for Poor Insurance Coverage in Nigeria

Despite the NHIA mandating all Nigerians to have access to health insurance, insurance coverage in Nigeria has remained lower than expected.

Recent studies have shown a health insurance coverage of about 3-10% of the entire Nigerian population. This means that up to 90% of Nigerians are not covered by health insurance, making this a significantly low insurance coverage.^[3]Erunke, J. (2023, October 10). 90% of Nigerians not covered by health insurance, says minister. Vanguard. Retrieved from … Continue reading^[4]Center for Policy Impact in Global Health. (2021, October). Nigeria’s health transitions: Country impact profile (4Ds of transition) [PDF]. Retrieved from … Continue reading

The following reasons have been outlined for the poor insurance penetration within the country.

1. Limited awareness of health insurance policies and HMOs.
2. Poor attitude towards health insurance. Many Nigerians do not believe that they can ever fall ill or even need medical services.
3. The perceived feeling of high premiums to pay, especially for many Nigerians who are already struggling to survive.
4. Inadequate government funding is affecting coverage of insurance plans. Not all medical services are currently covered by basic plans.
5. Logistic challenges in accessing health insurance services. Generating secondary clearance code during a medical emergency can be unnecessarily strenuous for people, especially those who can afford out-of-pocket payment.
6. Poor political involvement. The priorities of the Nigerian government obviously has nothing close to health development in the country.

Despite the above challenges, you can get affordable and reliable health insurance in Nigeria. I hope this guide opens your eye to some HMOs with whom to register health insurance for yourself and your family.

Final words

Here, we explored the top 20 HMOs in Nigeria, and also mentioned some important things about health insurance in Nigeria. I hope you found it enlightening.

Have you heard or tried any of the above HMOs, and would like to share your review? Please, do so in the comment section below.