Top 10 best HMO Services in Nigeria (2023 updated list)

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Health insurance essentially covers the basic health medical bills of everyone under the policy. It works by spreading the risk over a group of people like families, or a company. Today, there are several health maintenance organizations in Nigeria that are mediating on behalf of the hospital and patients. Therefore, they are more or less the insurance company holding the policies.

Top 20 HMOs in Nigeria

Here are some of the top 20 HMOs in Nigeria:

1. Hygeia HMO

Hygeia is one of the oldest and most prominent HMOs in Nigeria, with over 30 years of experience under its belt. Also, although the company received its license from the National Health Insurance Scheme in 2005, it has been in existence since 1986. It is located at ConSol House, ConSol Close, Block 2 Oshodi – Apapa Expressway, Lagos State. They offer cheap and affordable health insurance to citizens in Nigeria across the following plans:

• Individual plans
• Family plans
• Maternity plans
• SME group plans
• Corporate plans

Also, Hygia has a mobile application where you can subscribe and manage your plans easily. This plan is available on the google play store. Learn more at https://www.getinsurance.ng/hygeia-hmo/

2. Reliance HMO

Reliance is a common HMO service in Nigeria, with health plans across the family and business world. Also, their HMO services are easily accessible through the Reliance HMO mobile application. It is located at 32 Lanre Awolokun St, Gbagada, Lagos State. Some of the services the packages they offer include:

• Family
• Parents
• Business

Learn more at https://www.getinsurance.ng/reliance-hmo/

3. Health point HMO

health point provides free health insurance packages for widows and children in the country. Also, one of the major benefits of health point HMO is their relatively low cost. You can purchase health insurance as low as N800. It is located at 24, Omorinre Johnson Street Lekki Phase I Lekki, Eti-Osa, Lagos. The available packages under them include:

• Standard
• Pro
• Health point Pro +
• Pro Max

For more information, visit their official website at https://healthpoint.ng/

4. IHMS HMO

This insurance maintenance organization has been in operation in Nigeria since 2001. They are one of the best at what they do and have a mission to deliver the highest level of health and wellness to customers. It is located at 2, Joseph St, Lagos Island, Lagos. Also, some of the services they offer include IHMS:

• Retail health plan
• Corporate health plan
• Group and association health plan
• Tertiary institution social health insurance plan
• Community-based social health insurance plan

You can visit their website for more info at https://ihmsnigeria.com/plans/

5. AIICO HMO

Aiico multi shield Nigeria is the HMO arm of Aiico insurance company. Having run since 1997, this HMO is one of the best and oldest in the business. It is located at 322, Ikorodu Rd, Anthony Village, Anthony, Lagos. AIICO offers several insurance plans, including:

• Evacuation plan
• Super Executive
• Magnum
• Executive
• Standard

For more information, visit their website at http://www.aiicomultishield.com/

6. Redcare Health Service Limited 

Redcare health service limited focuses on providing value through healthcare solutions to meet the needs of customers. Also, the company is characterized by going above and beyond for policyholders. It is located at 41 Gbolade Adebanjo St, Ilupeju, Lagos. Some of the services they offer include:

• Corporate plans
• Private plans
• Other plans

Learn more at https://www.getinsurance.ng/redcare-hmo/

7. Hallmark

Hallmark is one of Nigerians’ top choices for the best HMOs. It is located at 264 Ikorodu-Ososun Rd, Obanikoro, Lagos. Also, they provide affordable and long-lasting healthcare plans for everyone. Some of their services include:

• Corporate plans
• Retail plans

Also, you can visit their official website at https://hallmarkhmo.com/ for more information.

8. Greenbay

Greenbay HMO focuses its services across personal, group, and corporate health insurance plans. Also, they offer an online platform, where you can access your health insurance details at any time of your choosing. It is located at 9 Odunuga St, Opebi, Ikeja, Lagos. More so, some of the services they offer include:

• Corporate plans
• Individual plans

In addition, you can visit their website at https://greenbayhmo.com/ for more information on their services.

9. MetroHealth

Although not very popular like some others on this list, MetroHealth HMO offers quality health insurance for Nigerian citizens across different packages. It is located at 14th Floor, St. Nicholas House, 26 Catholic Mission St, Lagos Island, Lagos. Some of them are:

• Individuals
• Couples
• Family
• Business
• Organizations

Also, you can visit their official website at https://www.metrohealthhmo.com/ for more information

10. Total Health Trust Limited

Total Health Trust Limited is the largest insurance company in Nigeria, with over 300,000 members. Also, it is one of the oldest, as it was established in 1998. It is located at Marconi Rd, Onipanu, Lagos. Total Health offers you access to more than 500 private hospitals. More so, some of their products include:

• Individual
• Family
• Corporate

11. Princeton Health Limited HMO

Princeton Health is a Health Maintenance Organization established in 1999 and incorporated in 2000 with a team of professionals to operate as a Health Maintainance Organization in Nigeria. Some of their packages include:

• Individuals
• Families
• Businesses

For further information, you can visit their website at https://princetonhmo.net/.

12. Roding HMO

Roding Healthcare Limited is a Nigerian organization that provides healthcare services to meet the needs of:

• Individuals
• Families
• Corporate entities

It is located at 4, Makoko Rd, Adekunle, Lagos.

To learn more about their services, visit their website at https://rodinghealthcareltd.com/ .

13. Healthcare Security Limited

Healthcare Security Limited is an organization that provides affordable healthcare maintenance plans suitable for varied healthcare needs. It is located at Veritas Kapital Building, Plot 173 Gbagada, Apapa-Oshodi Express Way, opposite UPS Express Office, Lagos. Their plans include:

• Executive plan
• Standard plan
• Budget plus plan
• Budget plan

Visit their website at http://hcsl.com.ng/ for further information.

14. Novo HMO

Novo Health Africa is a Health Maintainance Organization that provides healthcare across Nigeria. The organization is accredited by the National Health Insurance Authority. They are located at Plot 17 Adewale Kolawale Crescent, off Kuboye beside ocean crest school, Oniru Lagos. Their plans include:

• Corporate plans – For corporate organizations
• Retail plans – For students, small business owners, domestic staff, extended family members, etc…
• Transnational plan – to provide access to healthcare for patients whose illnesses cannot be managed locally.
• Loaf plan – For people living in the diaspora can purchase health insurance plans for members of their family and loved ones living in Nigeria.

To learn more, visit their website at https://www.novohealthafrica.org/

15. Mansard HMO

AXA Mansard is a part of the AXA Group, the worldwide leader in insurance and asset management. The Mansard HMO provides health insurance to cover the bills from your hospital visits, vaccines, medications, surgeries, lab tests, eye care, etc. They are located at 182 Ikorodu-Ososun Rd, Onipanu, Lagos. Their plans include:

• Retail Health Plan
• Easycare Plan
• International Plan

To learn more, visit https://www.getinsurance.ng/axa-mansard-hmo-plans/

16. 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 the society. They are located at Express Road, Goldcrest Plaza, Lekki – Epe Expy, Lekki. Some of these health plans include:

• Corporate Health Plan
• Retail Health Plan
• Third-Party Administration
• Customized Health Plan

To learn more, visit their website at https://anchorhmo.com/

17. Swift HMO

Swift HMO assures a quality network of providers that are patient/client-centric: Flexibility of choice of hospitals. An enrollee can have access to three hospitals and can change hospitals when necessary. They are located at 1 Fabac Close, Off Ligali Ayorinde St, Victoria Island, Lagos. Get more information by visiting their website at https://swifthmoltd.business.site/

18. LifeWORTH HMO

LifeWORTH is a Health Maintenance Organisation established in 2014, focusing on providing care to its clients. They are located at 175 Ikorodu-Ososun Rd, Palmgrove, Lagos. Their plans include:

• Individual
• Couple
• Family
• Corporate
• Community
• Platinum Private/International

Their website at https://lifeworthhmo.com/ provides more information.

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. Check out their health plans at https://sterlinghealthmcs.com/

20. Defence Health Maintainance 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.

To know more about them, visit their website at https://www.dhmlnigeria.com/about-dhml/

Conclusion

In conclusion, with the right HMO, you can protect yourself, your family, and your employees against medical emergencies. Therefore, HMOs are an important aspect of saving costs and more importantly, protecting health in Nigeria. You can get a comprehensive list of health insurance firms Here