Is Reliance HMO Health Insurance Right for You?

Reliance HMO reliance hmo

Compare Reliance HMO plans and prices to make the best decision.

Reliance HMO is, with a pricing starter of ₦3, 500, one of the affordable health insurance providers in Nigeria.

If you are wondering about needing one, the smallest plan comes with a ₦1.2m worth of services you can redeem at over 850 hospitals and care centres nationwide.

Reliance HMO

4.8 out of 5 stars (4.8 / 5)

  • A low pricing starter of ₦3, 500 for ₦1.2m worth of health care
  • Services redeemable nationwide at Reliance HMO 850+ partner hospitals
  • 20% of your annual payment back if you stay healthy all year
  • Telemedicine puts doctors in your pocket
  • All plans come with gym access

Please, we need at least a part payment before we can attend to…“, you probably had been a victim or seen a scene where this was said when a health service was needed.

According to the World Health Organisation, an average health cost for patients visiting the hospitals for treatment per day is around $3.23 at primary health centres based on 2005 statistics, this is over ₦2, 500 now considering the dollar has grown over 200% to the Naira since then.

This cost will rise at high-level grade health centres which will require you spending over 100% more to get better treatment.

Health is wealth we learned hence paying a premium when it is required should not be difficult, that is why providers like Reliance HMO exists to help you access quality health services at high-grade centres and still pay as low as you will or lesser visiting primary health centres.

 

Reliance HMO Plans and Prices

Reliance health insurance has three individual-focused plans:

** These plans are also applicable if you want to buy for your family consisting a minimum of four persons and you will get a discount of 20%.

Editor’s Pick

Alexandrite Individual

A ₦1.8 million health coverage at over 800 hospitals, 150+ more than that allowed for its Red Beryl plan including access to gym and spa at just ₦6,000 per month, this is our top pick plan to go for.

Alexandrite is a medium-sized Reliance HMO plan which covers wellness and health checks including that for eye and dental.

If you love the gym, this is the best plan for you as it comes with 2 sessions per week, which is one more than the basic alternative.

For cases that might demand surgery, Alexandrite will bear the cost for up to ₦300, 000 which is 100% more than the Red Beryl.

 

Quick Picks

  • Pricing

 

Annual: ₦66, 250Quarterly: ₦17, 750Monthly: ₦6, 000

This is the recommended plan as you will enjoy 6% plus discount compared to lower options hence, saving some money.

Reliance health insurance’s Alexandrite plan cost ₦66, 250 annually which is up to 7% cheaper compared to its quarterly and monthly payment bases.

To subscribe for the quarterly plan, you will have to pay ₦17, 750 every 3 months which will be a total of ₦71, 000 at the end of each year.

At this pricing, this is about 1.4% cheaper to the monthly plan but over 6% higher compared to the yearly alternative.

This is the flexible monthly option and it will cost you ₦6, 000 per month, which is a total of ₦71, 000 at the end of the year.

The reason we prefer you opt for annual or better still the quarterly option is that each of the options comes with graduated benefits which improve based on how long you continue to renew.

Once you missed a payment, you get downgraded losing all earned benefits.

Nevertheless, you can get the monthly plan and upgrade to annual or quarterly once you are ready.

 

 

  • A medical coverage worth ₦1.8 million a year
  • Access to health specialists five times per year
  • ₦300,000 for 14 different surgeries available every year.
  • Free wellness and health checks at selected Reliance health insurance centres
  • Access to the eye and dental care 
  • Access to gym (2 sessions per week) and spa (once per year)
  • Consult with doctors for free from anywhere using the Reliance Care mobile app
  • Instant access to healthcare 
  • Access to 888 hospitals all over Nigeria

 

Red Beryl Individual

Reliance HMO’s Red Beryl is the cheapest plan starting at just ₦3, 500 per month.

This package gives you health insurance coverage worth ₦1.2 million per year, accessible from over 700 hospitals nationwide.

If you want to stay fit and build some muscles, this plan also comes with access to the gym, though once per week.

As against Alexandrite’s ₦300, 000 coverage for surgery cases, this plan gives you maximum insurance worth ₦150, 000 which is limited to 9 different kinds of surgeries.

While the Red Beryl Individual Reliance HMO’s plan does not give you as much as the Alexandrite, this still has good coverage which makes it worth considering.

Quick Picks

  • Pricing

 

Annual: ₦38, 650Quarterly: ₦10, 350Monthly: ₦3, 500

If you want to consider the Red Beryl plan, consider getting the annual payment option and save over 7% compared to buying the lower insurance packages.

Reliance HMO’s Red Beryl plan cost ₦38, 650 annually which is over a 6% cheaper compared to its quarterly and monthly alternatives.

To subscribe for the quarterly plan, you will have to pay ₦10, 350 every 3 months which will be a total of ₦41, 400 at the end of each year.

With the cost, this is also about 1.4% cheaper to the monthly plan but over 6% higher compared to the yearly alternative.

This is the flexible monthly option for Red Beryl Individual plan which will cost you ₦3, 500 per month, which is a total of ₦42, 000 annually.

Just as suggested with the Alexandrite Reliance insurance plan, opting for annual or the quarterly plan keep you safe from missing out on graduated benefits.

If you miss a payment, you get downgraded losing all earned benefits prompting a fresh build up once you renew your subscription.

But then, you can get the monthly plan and upgrade to annual or quarterly in the future.

 

 

  • A medical coverage worth ₦1.2 million a year
  • Access to health specialists three times per year
  • ₦150,000 worth coverage for 9 different surgeries available every year.
  • Free wellness and health checks at selected Reliance HMO centres
  • Access to the eye and dental care 
  • Access to the gym (1 session per week), but no spa
  • Consult with doctors for free from anywhere using the Reliance Care mobile app
  • Instant access to healthcare 
  • Access to 717 hospitals all over Nigeria

 

Pre-existing Condition Plan

PEC plan is a Reliance health insurance’s special addon package for people with severe conditions like arthritis, hypertension, peptic ulcer and diabetes.

It is suitable for older people but for younger ones with special cases as mentioned above, it can as well be purchased together with any of the earlier two plans for full health insurance.

This plan is chargeable at the rate of ₦11, 500 on monthly basis but payment for four or 12 months at a go will grant you a 20% discount.

One good side of this plan is the home medication delivery which means the patients do not have to visit the health centres as the needed medication will be delivered to them.

Note that this only covers special conditions mentioned, if you or the person that needs this desire access to benefits of either Red Beryl or Alexandrite, this has to be bought together with any of them.

 

Quick Picks

  • Pricing

 

Annual: ₦110, 400Four Months: ₦36, 800Monthly: ₦11, 500

The annual cost for the pre-existing condition plan is ₦110, 400, 20% cheaper to paying the monthly subscription at the end of the year.

Saving ₦27, 600 going for the annual option is worthwhile.

If you plan buying for your parent, this is the best to go for as it is one off, meaning you won’t have to be bothered with monthly or quarterly payment.

Buying for four months also grant you a discount of 20% compared to purchasing the monthly subscription.

The monthly flexible pre-existing condition Reliance HMO plan goes for ₦11, 500.

While this looks affordable, its accumulated annual cost is ₦138, 000, that is 20% higher than the total for four months and 12 months purchase.

But if for cost you want to try this out, you can and consider upgrade later to save some money.

 

  • Treatment redeemable immediately after purchase
  • Periodic check-ups by health coach 
  • Home delivery of necessary medication
  • Free wellness and health checks at selected Reliance HMO centres

 

About Reliance HMO

With an ill-managed HMO service to users, Reliance HMO was born in 2017 to close the gaps in the industry through the use of technology.

Today through its innovative e-ID, you do not need to worry about fighting to ensure you do not lose your physical health card as your identity for service redemption is virtual and accessible from your account via the web portal or your mobile application.

Reliance health insurance provider falls under the list of nationally approved HMOs in Nigeria. With this license class, buying a plan from them can be redeemed in any state nationwide at a partnering hospital.

Contact Address

Reliance HMO Office Address

75b Olonode Street, Off Spencer St,

Alagomeji-Yaba, Lagos.

Contact Phone Number

Reliance HMO Contact Number

0700 735 42623

Note, they provide a 24-hour chat channel through which you can reach them when you have a complaint.

 

Reliance Health Insurance FAQs

How do I apply for a Reliance HMO plan?

To subscribe for a plan, simply click the button below:

What is Reliance HMO?

It is a health insurance company giving you access to premium health care at affordable pricing.

Can I pay today and get treatment at any hospital?

Yes. But for the first seven days, you are only eligible to walk-in and get treatment for minor illnesses (no admittance is permitted during your first 7 days).

What are graduated benefits?

Depending on your plan, it comes with different levels of benefits.

These benefits are spread as you maintain your subscription. For instance, you might be eligible to redeem five services your first month, these services could increase your third month and so on provided you do not miss a payment.

Once you miss a payment, you will lose the benefits and the next time you pay, it will start afresh.

How soon will my account be created?

Registration takes a few minutes and your account will be ready immediately you complete the information necessary for sign-up.

What are all the benefits and illness coverage that comes with all the plans?

Depending on your subscription, the services varies.

To see a full list of qualifying advantages, visit the plan benefits page.

Do I need to call Reliance HMO to get treatment at the hospital?

No. You can visit any Reliance health insurance partner hospital to get treatment.

You only need to show your e-ID available on your account (mobile app or web portal).

How do I see the list of hospitals I can go to?

Reliance HMO has partnerships with over 850 hospitals nationwide where you can redeem services.

To see a list of hospitals and health providers you can check-in, visit the hospital page to search.

What is cashback and how do I get it?

Cashback is a part of your payment returned back to you.

Eligibility for a Reliance HMO cashback is if you didn’t use your plan for the whole year, you will get 20% paid back to your account.

What is telemedicine?

This allows you to communicate with a doctor without visiting the hospital.

Meaning you can be at home and still get medical consultation remotely on your phone using the Reliance Care mobile app or visiting the web portal.

How do I download the mobile app?

Simply visit Google Playstore for Android devices or App Store for iOS devices and search for Reliance Care.

How do I purchase for my staffs?

Reliance HMO has a business dedicated package which requires the submission of business information.

To get this, simply visit the business plan.

My company pays for me, can I change to Reliance HMO?

Corporate packages are taken care of by companies and most times for easiness in remittance, companies prefer using a single health insurance company.

Nevertheless, you should speak to the appropriate department that handles your health insurance if you can change yours.

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