All HMO in Nigeria you probably Didn’t Know

HMO in Nigeria

Compare HMO in Nigeria for the best decision.

Health insurance providers in Nigeria are geared towards making you pay cheap for your medical needs which could cost you a lot paying directly from your pocket.

With a growing list of health management companies in Nigeria and some innovating to bring better services to your doorstep, you will save a lot of money and enjoy more benefits getting yourself a plan from one of the best NHIS approved health maintenance organisations in Nigeria.

See yourself getting a consultation, medical check-ups and required treatments, then walking away from the hospital without paying any fee, that is the power the HMO in Nigeria companies puts in your hands.

They are a lot of HMO in Nigeria providing health insurances with varying plans suitable for all, business or an individual with affordable payment packages. With fees as low as ₦2, 000, you can get yourself premium treatment worth millions depending on the provider.

Top HMO in Nigeria

Here below are the top HMO in Nigeria you can subscribe to in order to enjoy the benefits that come with the National Health Insurance Scheme:

Editor’s Pick

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
  • Active 24hours customer service channel
  • Has plans for older people


Getting the best values for what you paid for is very important especially when it comes to your health.

For a long list of several HMO in Nigeria, many randomly chose which leads to over half of HMO subscribers getting pissed off with the services rendered by some of the health maintenance organisations.

Using technologies, RelianceHMO is one of the health insurance providers in Nigeria helping to close the gap ensuring users get the most of their services.

One very important addon that comes with using RelianceHMO is their telemedicine with which you can conveniently connect to medical personnel from the comfort of your home using a phone.

With a growing list of hospitals across Nigeria, having them as your provider gives you the opportunity to enjoy the good benefits that come with their plans.


Quick Picks

  • Over 850 hospitals in Nigeria
  • Your subscription is not limited to a hospital, you can walk into any of the 1,500+ hospitals working with RelianceHMO nationwide
  • The plan starts at a low of ₦3, 500 and you get medical coverage worth ₦1.2m
  • You get 20% of your annual payment back if you stay healthy all year
  • Telemedicine puts your doctor very close to you anytime from anywhere using the RelianceHMO Care mobile app

Hygeia HMO

4.5 out of 5 stars (4.5 / 5)

  • An affordable annual pricing model starting from ₦29, 000
  • Services redeemable nationwide at any selected Hygeia HMO partner hospitals
  • Over 1,200 hospitals and health partners across Nigeria
  • Easy access to your ID for service redemption through its mobile app

Avon HMO

4.2 out of 5 stars (4.2 / 5)

  • Its Individual Life Starter plan starts from ₦19, 999 per year
  • Over 400 hospitals and partner medical centres where you can receive treatments and consultations
  • Easily access your profile from its manager dashboard portal
  • It has plan that covers international medical insurance

AXA Mansard HMO

4.2 out of 5 stars (4.2 / 5)

  • Its EasyCare plan starts from ₦12, 000 for a half-year health care
  • Over 1, 300 hospitals and partner medical centres where you can redeem treatments nationwide
  • The retail plans covers medical aid in Nigeria and India
  • Its Platinum plus gives you access to a health insurance worth over ₦4m and will cost you ₦489k per year

 All HMO in Nigeria

Here are the list of HMO in Nigeria with their respective contact details
1 HYGEIA HMO LIMITED Lagos Office: Bank of Industry Building (BOI) 2nd Floor 21/22 Marina Lagos. Lagos 08120910005 08087183142 08189242956 08087183140 07049434246 NATIONAL
2 TOTAL HEALTH TRUST LIMITED Abuja Office: 2 Marconi Road Palmgrove Estate Lagos. Abuja Office Nigeria Reinsurance Building 3rd Floor, Central Business District Abuja Abuja 014482105-6, 07090858202, 07090858575, 07090858202, 08034021430, 08082678984, 017747150, 018045263, 08033003301, 07013674541 (SMS only) 08061236890, 08022907594 08022907595 08022907593 NATIONAL

Lagos Office: 16 Oyefeso Avenue Off Ikorodu Road Obanikoro Lagos.

Abuja Office: 4th Floor, Tofa House CBD Behind the Central Mosque.



08052408604 08023039114 08076490063 08076490064 08076590002 08033328360 08054494666 08076490063 NATIONAL
4 HEALTHCARE INTERNATIONAL LIMITED Lagos Office: 308A Murtala Mohammed Way, Yaba, Lagos

Abuja Office: Flat A1, FEPA Estate, No.1, Nairobi Street, off Aminu Kano Crescent (near AMAL Court), Wuse 11.

Rivers Office: 4, Halliday Close, off Stadium Road, Port-Harcourt

Kano Office: 2nd Floor, 7A, Ibrahim Taiwo Road

Bauchi Office: 19, Shagari Shopping Complex, B19, Abubarkar Tafawa Balewa Road, GRA

Oyo Office: 2nd Floor, TAFOTECH Building, Oni & Sons Busstop, Ring Road, Ibadan

Enugu Office: 32/48 Chime Avenue, New Haven

Sokoto Office: 97, Ahmadu Bello Way, Opposite GT Bank, Sokoto

Imo Office: 7, Amaram Street, 2nd Floor, Owerri

Kwara Office: 233, Ibrahim Taiwo Road, behind Starcomms building, Taiwo Oke, Ilorin









01-4489820, 08052099094-99 08052099066, 08052099069 08052099071 08052099077, 08052099078 08052099055/56, 08052099060 08052099057 08052099061/63/65 08052099062 08052099074, 08052099073 08052099084, 08052099085 08052099058 NATIONAL
5 MEDI PLAN Health Care Limited Lagos Office: Plot 32b, Admiralty Way, Lekki Phase I Victoria Island, Lagos.

Abuja Office: Suite 42-44 God’s Own Plaza Takun Close, Off Nkwerre Street By Ahmadu Bello Way Behind Unity House (Rochas Foundation), Abuja.

07055502580, 08057017448 07028093046, 08075000032 07029037152, 07029037153 08057017448, 08033081650 07055502580 07029037153 08033075733 NATIONAL
6 MULTI SHIELD NIGERIA LIMITED Lagos Office: 322, Ikorodu Road Anthony Village Lagos.

Abuja Office: Metro Plaza Suite FF 22, 4th Floor Metro Plaza Central Area, Abuja

08053223090 08032916251 NATIONAL
7 UNITED HEALTHCARE INTERNATIONAL LTD Abuja Office: 7, Jaba Close. off Dunukofia Street, Opp. FCDA Minister’s Gate Area 11, Garki, Abuja.

Lagos Office: 19, Biaduo Street, Off Keffi street, S/W Ikoyi, Lagos
Multi (contact them for more) 09-4611600, 08160000061 08036934220,08035902950 08034086095, 07034051300-3 0703451301, 07043936975, 07043936984, 07044948202 07044948201 07044948206 07043936989 07067008470 07043936979 07043936981 NATIONAL
8 PREMIUM HEALTH LTD Lagos Office: 31B, Itafaji Road, Dolphin Estate. Ikoyi, Lagos

Abuja Office: No 5B Kabo Street Garki II Opposite Eddy Vic Hotel Abuja

01-4614498 08051680494 08036193411 08052913016 08077593180 08091916258 NATIONAL
10 Ronsberger Nigeria Limited Abuja Office: No. 30 Ubiaja Street, Garki, Abuja. Abuja 092902975 07051644470 NATIONAL
11 INTERNATIONAL HEALTH MANAGEMENT SERVICES LIMITED Lagos Office: 2, Joseph Street, Off Broad Street, Lagos Lagos 08085862123, 08123446223 08121010100, 08055861262 07041446622 07028505169 NATIONAL
12 CAPEX EXPATCARE LIMITED Lagos Office: Emmanuel Plaza, 23B Fatai Atere Way Matori, Lagos.

Abuja Office: IGI House 3, Gwani Street, Wuse, Zone 4, Abuja

08055890010, 08055274020 08025240102, 08025240194 080252540194, 08034886898 08082049124 08033629216 NATIONAL
13 SONGHAI HEALTH TRUST LTD. Abuja Office: Ground Floor, Nigeria Re-Insurance Building Beside Unity Bank, Plot 784A Herbert Macaulay Way, Central Area, Abuja. Lagos

08033584332, 08033571011 08035718708, 07035108928 08036090005 NATIONAL
14 INTEGRATED HEALTHCARE LTD. Abuja Office: 12 Jos Street, Area 3, Garki, Abuja.

Anambra Office: No. 50A, Appeal Plaza, Maduka Street, Amudo Village, Awka, Anambra State.

08070833373 08051322662 08080323595 NATIONAL
15 PREMIER MEDICAID LTD. Oyo Office: UBN Building. Opp. Mobil Petrol Station New Ife Road Ibadan.

Abuja Office: No. 4 Takum Close Area 11, Garki Abuja

Steve Auta 08063446465 08039696653 NATIONAL
16 MANAGED HEALTHCARE SERVICES LTD. Lagos Office: 16 Obokun Street, Off Coker Road, Oshodi Lagos.

Abuja Office: 12 Ukpo close by Arts and Culture, Garki 2.

01-8144025 08035068857, 07009999999 NATIONAL
17 PRINCETON HEALTH GROUP Oyo Office: 25, Mogaji-Are Road Opposite D-Rovans Hotel Ring Road Mapo, Ibadan.

Abuja Office 42, Ademola Adetokunbo Crescent Wuse II Abuja.

08034306380 08058724571 NATIONAL
18 MAAYOIT HEALTHCARE LTD. Kwara Office: 1 Iloffa Road, G.R.A. Ilorin, Kwara State.

Abuja Office: Suite B33/34 Abraham Plaza sez Ekukinam Street Beside ABC Transport, Opp. Daby Trasport Utako, Abuja.

08058026841 08033752660 NATIONAL
19 Wise Health Services Limited Abuja Office: 27 Addis Ababa Crescent, Wuse Zone 4, Abuja. Abuja 08038183442 NATIONAL
20 WETLANDS HEALTH SERVICES LTD. Rivers Office: Plot 280B Danjuma Drive Off Peter Odili Road, Trans Amadi Port Harcourt, Rivers State

Abuja Office: No 6 Suite B1 Canal House, CBA, by Church Gate Abuja

08055026610 08036670623 NATIONAL
21 ZENITH MEDICARE LTD. Abuja Office: 11Lagtang Close, Area 3 Garki, Abuja Abuja 08087339159, 09- 2915402 08053378096, 08053915081 09-2915432,39, 48, 86, 08055262097 08036491499, 08053915081, 08136335909 NATIONAL
22 DEFENCE HEALTH MAINTENANCE LTD. Abuja Office: Plot 1323, Adesoji Aderemi Street Gudu District, Abuja. Abuja 08075801389, 08033279452, 09-5241524, 096717113 NATIONAL
23 UNITED COMPREHENSIVE HEALTH MANAGERS LTD. Rivers Office: Plot C1, Rumuogba Trans Amadi Port Harcourt Rivers State. Rivers 08033419470 08055021760 NATIONAL
24 HEALTHCARE SECURITY LTD. Abuja Office 1: 3rd Floor, Unity Kapital Plc Building Plot 497 Abogo Largema Street Off Constitution Avenue Central Business District , Abuja.

Abuja Office 2: Suite C23 2nd Floor, Danziyal Plaza Opp. NNPC Station Plaza CBD Abuja
Abuja 08033148050 07087045184 07067880493 08035305687 07067880493 08184872625 07087045180 NATIONAL
26 ROYAL HEALTH MAINTENANCE SERVICES Imo Office: 12 Cause way/24 Wetheral road, Owerri. Imo 08037956689 NATIONAL
28 ZUMA HEALTH TRUST. Abuja Office: Block 6 Flat 7, Abak Close Off Ibadan Street (Opp. Catholic Pro-Cathedral) Area 3 Garki, Abuja Abuja 07063650092 Dr. C.D. Ali 08068741616 NATIONAL
29 MARFEMA NIGERIA LIMITED Abuja Office: 4A Gurara (Lumsar) Street, Ibrahim Abacha Estate, Zone 4, Abuja. Abuja 08036234377 07039110828 NATIONAL
30 PREPAID MEDICARE SERVICES LTD. Abuja Office: 1 Bangui Street Off Adetokunbo Ademola Crescent Beside Chicken House Wuse II Abuja. Abuja 07027861384 08085927262 NATIONAL
33 KBL HEALTHCARE LIMITED Lagos Office: 371, Borno Way Alagomeji Yaba Lagos.

Abuja Office: 2nd Floor, Abia House, Off Ahmadu Bello Way, Central Business District

01-7450657 08191117422 07028449340 08099927277 07028449340 08033797548 NATIONAL
34 STERLING HEALTH MANAGED CARE SERVICES LIMITED Lagos Office: Valley View Plaza 99 Opebi Road Ikeja, Lagos

Abuja Office 27 Oro Ago Street Off Mohammadu Buhari Way Old CBN Headquarters Garki II Abuja

07069728007 08023020934 08021210747 08023020934 07080137390 08060824989 NATIONAL
35 HEALTH PARTNERS LIMITED Lagos Office: 23 Ribadu Road Off Awolowo Way South West Ikoyi Lagos.

Abuja Office 5, Jaba Close Dunukofia Street Opposite FCDA Area 11, Garki, Abuja.

08066248822 NATIONAL
36 PRECIOUS HEALTHCARE LIMITED Abuja Office: No. 8 Lungi Street Off Cairo Wuse II Abuja Lagos

08085556471 08085555819 NATIONAL
39 OCEANIC HEALTH MANAGEMENT LIMITED Lagos Office: NAFCON House Branch, 264, Murtala Muhammed Way, Ebute Metta Lagos 08120220255 08032352310 NATIONAL
41 INVESTCORP MEDICARE LTD Lagos Office: Bufallo House No 2 Allen Avenue Ikeja, Lagos. Lagos 08057280794 08065379264 08026308381 07028003275 08034078679 NATIONAL
43 GREENBAY HEALTHCARE SERVICES LTD Abuja Office: Suite AF 12, Annex A White House Metro Plaza Abuja. Abuja 07042328818 08037094827 08032118005 NATIONAL
44 MEDEXIA LTD Lagos Office: 221 Ikorodu Road Lagos. Lagos 08057970069 08023037594 08067622753 NATIONAL
46 ROYAL EXCHANGE HEALTHCARE LTD Lagos Office: 13 Oke owogbowo Street Apongbon Lagos Lagos 08023157683, 08065722406 NATIONAL
48 MARINA MEDICAL SERV. HMO LTD Lagos Office: 24 Montgomery Road Yaba Lagos Lagos 7023028780 07023268783 08022598259 08027256325 08033232032 08023188022 NATIONAL
51 NONSUCH MEDICARE LTD Abuja Office: Wema Bank Plaza 2nd Floor Suite 3 CBD, Abuja Abuja 08034080055 08034545334 08069087483 07029092505 08037003144 08028542679 NATIONAL
54 SALUS TRUST GTE LTD Lagos Office: Catholic Secretariat of Nigeria Force Road Tafawa Balewa Square Lagos. Lagos 01-2636670 01-2635849 08062910443 NATIONAL
57 PROHEALTH HMO LTD Abuja Office: 62 Lobito Crescent Off Ademola Adetokunbo Wuse II Abuja. Abuja 08062691967 08033497651 08033903647 08033497701 NATIONAL
59 MANSARD HEALTH PLAN NIGERIA LTD Lagos Office: 18A Dapo Solanke Close Lekki Phase Lagos. Lagos 8025144905 NATIONAL
60 GNI HEALTHCARE NIGERIA LTD Lagos Office: Plot 32 Western Avenue Alaka Surulere Lagos Lagos 8033524202 NATIONAL
61 ULTIMATE HEALTH MANAGEMENT SERVICES LTD Abuja Office: Wema Bank Building 4th Floor Airport Return Road Central Business District Abuja.

Lagos Office: Tisco Plaza, 2nd Floor, 2nd Wing Plot 6, Ashabi Cole Street Central Business District, Alausa Ikeja, Lagos State

08060665572 0811111448 07027853908 08059065192 08103888857 08067627940 NATIONAL
63 AVON HEALTHCARE LIMITED Lagos Office: 29 Rumens Road Ikoyi, Lagos Lagos 01-2779800 07002779800 NATIONAL
64 REGENIX HEALTH SERVICES LIMITED Bayelsa Office: Kieni Plaza KLM 13 Melford Okilo Road Akena- Epie, Yenagoa Bayelsa 080374762540 08077947206 08950665 NATIONAL
66 HARRY HEALTH INTEGRATED SERVICES LIMITED Abuja Office: 10 Dutse Street, War College Gwarinpa Abuja Abuja 08039113311 07085515555 NATIONAL
67 WELL HEALTH NETWORK LIMITED Enugu Office: 15 Ibusa Avenue, Independent Layout, Enugu Enugu 08086250004, 07065208602 07056587064 State Enugu
68 BUPAR HEALTHCARE LIMITED Lagos Office: Plot 102, Isheri Road, KOTCO House, Ojodu Berger, Ikeja Lagos Lagos 08023142458, 08099403120 08027739828, 08098839828 State-Lagos
69 IVES MEDICARE Lagos Office: 4 Mojidi Street, Off Toyin Street Ikeja, Lagos Lagos 08056374823, 08033697303 State-Lagos
70 LIFECARE PARTNERS LIMITED Lagos Office: 123A Bisi Obadina Street,Omole Phase1, Ikeja. Lagos. Lagos 08134975325 08086110862 01-4544128 NATIONAL
71 DOMA HEALTHCARE LTD Gombe Office: Suite 9-12, 2nd Floor Adamu Fura HouseAdjacent ECOBANK Biu Road Gombe Gombe 08035053690 State-Gombe
72 Allied HMO LTD Oyo Office: 1, Alhaji Animashaun Street Ajeigbe Bus Stop Ring Road Ibadan Oyo 8081761429 Zonal-SW
73 POLICE HEALTH MAINTENANCE LIMITED Abuja Office: 21, Kainji Crescent Off Lake Chad Street Maitama, Abuja. Abuja 07026305673 08033043717 NATIONAL
74 NOVO HEALTH AFRICA LTD Lagos Office: 1, Adekola Balogun Street Off Remi Olowude Street Lekki Phase I, Lagos Lagos 08174602236 08174602025 NATIONAL
75 MH HEALTHCARE LTD Lagos Office: 6A Alegbe Close Off Sunmola Street Mende Maryland Lagos. Lagos 8060426239 NATIONAL
76 ANCHOR HMO INTERNATIONAL COMPANY LTD Lagos Office: Goldcrest Mall Building Km 23 Lekki-Epe Express way, Lagos. Lagos 07080601192, 08031230306 07033344402, 014609934 NATIONAL
77 METROHEALTH HMO LIMITED Lagos Office: 14th Floor, St. Nicholas House, 26 Catholic Mission Street, Lagos Island. Lagos 01-4606790, 01-6310038 08034020280, 08087183111 NATIONAL
78 GREENFIELD HEALTH MANAGEMENT LTD. Enugu Office: 5B ihiala Street, Independence Layout, Enugu State.

Abuja Office No. 146 Thaba Tseka Street, Off Adetokunbo Ademola, Wuse II, by British Village, Abuja.

Lagos Office: Road 5, Suite J34, Ikota Shopping Complex VGC, Ajah-Lagos.

Rivers Office: Favour award shopping mall, suite 41, 2nd floor, left wing. #30 Okporo Road by Artillery Junction, Rumuogba, Port-harcourt.



08135836235 08176794563 08136261753 09097174272 NATIONAL
79 LIFE WORTH MEDICARE LTD. Lagos Office: 13 Bishop St, Ilupeju, Lagos Lagos 09053035803 State-Lagos

The above list contains all National Health Insurance Scheme (NHIS) approved HMO in Nigeria.

This list has a column indicating their respective license type, meaning that:

  • National: this HMO company can operate everywhere in Nigeria
  • State: the provider is confined to its defined state
  • Zonal: cannot operate anywhere outside its license assigned zone

Though some of the NHIS nationally approved HMO in Nigeria does not have locations in some states, you can still make use of them provided they have hospitals that operate close to your area.

How HMO Works in Nigeria

Using a consumer model, the grouping below shows how HMOs work in Nigeria:

Aggregate Healthcare Facilities

All HMO in Nigeria performs aggregation which is an act of onboarding hospitals, clinics, telemedicine professionals and others to their platform.

The strength of an HMO rely heavily on the hugeness of its coverage, implying the number of walk-ins health centres or as in the case of virtual, the number of professional personnel available for remote consultations through a channel usually provided by the HMO company.


Sell HMO Plans

Once the HMO company has a huge database of health providers, the next thing will be using different models to onboard clients who buy varying plans to access the health facilities provided by any of its onboarded health providers.

What this means is that you prepay for your health needs beforehand and this is usually cheaper compared to paying directly from your pocket as payment for your health expenses is usually handled from the pool of funds contributed by everyone.

For some employed individuals, HMO payment is usually handled by their employers.


Intermediate Usage

Once you have a plan from any of the HMO in Nigeria, you can access health facilities at any of its partnering hospitals or health centres without having to bother about payment as your HMO subscription will cover for the necessary fees.

Once you have purchased a plan, you will be assigned an ID with which you will be required to present at any of their centres. The centre can validate the authenticity of your ID by simply accessing a platform provided to them by your HMO.

So each time you redeem a service, your HMO gets notified.


Benefits of HMO Plans

Having health insurance through one of the HMO in Nigeria comes with benefits which include:

  • You are protected from needing emergency funds during critical health conditions
  • Reduced cost for health services
  • Access to telemedicine anytime for remote consultations
  • Track your health history easily

HMO in Nigeria FAQs

What is HMO?

It simply means Health Maintenance Organisation.

An HMO serves as an intermediate between a health finder (you) and a health provider (hospital).

What is NHIS?

NHIS is the abbreviated form of the National Health Insurance Scheme.

A body established by the government to provide affordable health facilities to the citizens. 

The NHIS helps regulate the operations of HMO in Nigeria.

What is the difference between HMO and NHIS

NHIS licenses HMO to provide the links citizens need to access affordable health services.

How many HMO are in Nigeria?

There are 60 NHIS licensed HMO in Nigeria

My Company Pays, Can I Change my HMO?

You can change your HMO in Nigeria as an individual contributor but quite different if your employer pays for you.

Most companies prefer tying up to a single provider for easy payment remittance for all employees. 

Consider discussing with the department that handles your company’s HMO financing if you can change your provider.

How do I get Health Insurance without a Job?

Coverage of HMO in Nigeria has two types:

  • Private
  • Public

If you do not have a job, you can consider buying a private plan from one of the HMO in Nigeria.



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