Healthcare costs in Nigeria can be overwhelming, especially when medical emergencies strike without warning. For many Nigerians, affordable health insurance is no longer optional—it’s a necessity. Among the many Health Maintenance Organisations (HMOs) in the country, Healthcare Partners Limited stands out for providing one of the most affordable entry-level health insurance plans in Nigeria: the Treasure Plan, which costs just ₦12,000 per annum.
About Healthcare Partners Ltd
Healthcare Partners Limited (HCP) is a trusted name in Nigeria’s health insurance industry.
- Established: 1999
- Registered with: Corporate Affairs Commission (CAC)
- Began Operations as HMO: August 2006
For over two decades, Healthcare Partners has provided managed healthcare services to both public and private institutions, ensuring that individuals and organizations can access quality medical care at affordable rates.
The company’s mission is straightforward: to bridge the healthcare accessibility gap in Nigeria by offering affordable, reliable, and sustainable health insurance plans.
The Treasure Plan: Healthcare for Just ₦12,000 a Year
The Treasure Plan is the most affordable health insurance package from Healthcare Partners Limited, designed specifically for individuals seeking entry-level coverage.
Cost
- ₦12,000 annually (just ₦1,000 per month)
Coverage Includes:
- Primary care services – Regular doctor consultations, basic treatments, and general outpatient care.
- Secondary care services – More advanced care such as specialist consultations and minor procedures.
- Access to designated hospitals – Policyholders receive care at partner hospitals within the HCP network.
This plan is ideal for students, low-income earners, and first-time health insurance subscribers looking for affordable coverage that still provides essential benefits.
Who Should Choose the Treasure Plan?
The Treasure Plan is best suited for individuals who:
- Want basic healthcare protection without a large financial burden
- Are new to health insurance and need an affordable entry point
- Are students or young professionals on a budget
- Earn modest incomes but want access to reliable healthcare
With its low annual premium, the Treasure Plan helps Nigerians take the first step toward health security without overwhelming financial commitments.
Benefits of Healthcare Partners’ Treasure Plan
Here’s why the Treasure Plan is gaining attention:
- Affordable Healthcare Access: For just ₦12,000 a year, subscribers can access doctors, tests, and treatments at partner hospitals.
- Nationwide Reach: Coverage extends across HCP’s network of designated hospitals in Nigeria.
- Protection Against Unexpected Costs: Helps policyholders avoid the shock of sudden medical bills.
- Great Starting Point: Ideal for those who want to upgrade to more comprehensive plans later.
Are There Any Limitations?
While the Treasure Plan is a great starting point, it’s important to note its limitations:
- It may not cover specialized treatments such as major surgeries or complex procedures.
- Access is limited to designated partner hospitals (not every hospital nationwide).
- Coverage is basic, meaning those needing maternity, dental, or extensive chronic illness management may require a more comprehensive plan.
Despite these limitations, the cost-to-benefit ratio makes it one of the most attractive plans for anyone looking for affordable health insurance in Nigeria.
Why Healthcare Partners Limited Stands Out
Healthcare Partners Limited has built a reputation for trust and reliability over its more than 20 years of service.
- Long-term experience: Over two decades in the health insurance industry.
- Corporate and individual coverage: Serving both private individuals and large organizations.
- Commitment to affordability: Focus on plans that make health insurance accessible to the average Nigerian.
This dedication has made HCP a household name among Nigerians seeking low-cost but dependable health coverage.
Comparison: How Does Healthcare Partners’ Treasure Plan Stack Up?
To understand why the Treasure Plan is so appealing, let’s compare it with similar entry-level plans from other HMOs:
| HMO | Plan Name | Annual Cost (₦) | Coverage Level |
|---|---|---|---|
| Healthcare Partners Ltd | Treasure Plan | ₦12,000 | Primary & secondary care at partner hospitals |
| Wellness Health Mgmt Ltd | Wellness Basic | ₦15,000 | Basic consultations, hospital visits |
| Well Health Network Ltd | Basic Plan | ₦18,500 | Outpatient care, medications |
| AXA Mansard HMO | Easy Care | ₦20,000 | Primary care, flexible payment |
| Novo Health Africa | Basic Plan | ₦25,200 | Outpatient & emergency care |
Final Thoughts
For Nigerians searching for the cheapest, most accessible health insurance, Healthcare Partners Limited’s Treasure Plan is hard to beat.
Only ₦12,000 annually
Covers basic healthcare needs
Ideal for students, young professionals, and low-income earners
If you’re ready to take your first step toward health security, the Treasure Plan offers a reliable foundation without straining your budget.
