Why Good HMOs Matters in Nigeria
Recent data from the International Trade Commission reveals a shocking fact — less than 5% of Nigerians currently have health insurance. Most citizens still rely on out-of-pocket payments for medical care, which can become expensive during emergencies or illnesses.
With rising healthcare costs, affordable health insurance is no longer optional; it’s essential. Health Maintenance Organizations (HMOs) provide a practical solution, offering coverage for consultations, hospital visits, medications, and emergency care — all without breaking the bank.
Achieving universal health coverage (UHC) is critical for Nigeria. Health insurance spreads costs across members, ensuring quality healthcare is accessible to everyone, not just a privileged few.
This guide highlights the top 15 affordable HMOs in Nigeria, comparing annual costs, plan types, and benefits — so you can make an informed decision.
Top 15 Affordable HMOs in Nigeria (2025 Ranking)
| Rank | HMO | Annual Cost (₦) | Plan Name | Key Benefits |
|---|---|---|---|---|
| 1 | Healthcare Partners Ltd | ₦12,000 | Treasure Plan | Primary & secondary care, wide hospital network |
| 2 | Wellness Health Management | ₦15,000 | Wellness Basic Plan | Consultations, hospital visits, prescriptions |
| 3 | Well Health Network Ltd | ₦18,500 | Basic Health Plan | General consultations, basic coverage |
| 4 | Axa Mansard HMO | ₦20,000 | Easy Care Plan | Flexible payments, primary & secondary care |
| 5 | Novo Health Africa | ₦25,200 | Basic Plan | Outpatient care, accident & emergency coverage |
| 6 | Avon HMO | ₦27,500 | Life Starter Plan | Physiotherapy, travel immunization, consultations |
| 7 | United Healthcare Intl. | ₦27,500 | Basic Plan | Outpatient care, chronic conditions management |
| 8 | Hallmark HMO | ₦30,000 | Zircon Plan | Basic healthcare, prescriptions, hospital access |
| 9 | Clearline HMO | ₦30,000 | Basic Individual Plan | Consultations, lab tests, emergency services |
| 10 | Salus Trust HMO | ₦30,000 | Salus Green Plan | Outpatient & inpatient care, faith-based plan |
| 11 | Precious HMO | ₦30,000 | Precious Individual Plan | NHIS-accredited hospital care, consultations |
| 12 | HCI Healthcare Ltd | ₦35,000 | Titanium Compact Plan | Outpatient care, lab tests, prescribed drugs |
| 13 | Sunu Health Ltd | ₦36,080 | Retail Pearl Plan | Specialist consultations, emergency coverage |
| 14 | Ronsberger HMO | ₦40,000 | Bronze Plan | General consultations, lab tests, nationwide network |
| 15 | Reliance HMO | ₦42,500 | Basic Plan | Digital-first services, virtual consultations |
Quick Overview of Affordable HMOs in Nigeria
1. Healthcare Partners Ltd – ₦12,000/year
- Plan: Treasure Plan
- Benefits: Primary & secondary care, access to selected hospitals
- Best for: Students, low-income earners, first-time subscribers
2. Wellness Health Management – ₦15,000/year
- Plan: Wellness Basic Plan
- Benefits: General consultations, hospital visits, prescriptions
- Best for: Individuals looking for entry-level affordable insurance
READ ALSO: Healthcare Partners Ltd: Affordable Health Insurance in Nigeria for ₦12,000 a Year
3. Well Health Network Ltd – ₦18,500/year
- Plan: Basic Health Plan
- Benefits: Basic coverage for consultations and minor treatments
4. Axa Mansard HMO – ₦20,000/year
- Plan: Easy Care Plan (₦12,000 for 6 months)
- Benefits: Flexible payment, primary and secondary care access
- Best for: Individuals seeking low-cost global-backed insurance
Why Choosing an Affordable HMO in Nigeria is Important
- Protects against high medical costs: Avoid paying out-of-pocket for hospital visits, emergencies, and prescriptions.
- Access to quality healthcare: Most HMOs provide a wide network of accredited hospitals nationwide.
- Flexible payment options: Many HMOs allow monthly, quarterly, or bi-annual payments.
- Family coverage: Some HMOs extend plans to spouses, children, and dependents.
- Peace of mind: Reduce financial stress and ensure quick access to healthcare whenever needed.
How to Register for an HMO in Nigeria
- Online Registration: Visit the HMO’s official website, compare plans, and sign up digitally.
- HMO Offices/Agents: Walk into accredited branches or contact agents for guidance.
- Partner Hospitals: Some HMOs allow you to register on-site at accredited hospitals.
After registration, you’ll receive an HMO card or digital ID to access services at partner facilities.
FAQs About HMOs
What is the cheapest health insurance plan in Nigeria?
Healthcare Partners Ltd’s Treasure Plan at ₦12,000/year is the most affordable. It provides access to primary and secondary healthcare services, making it ideal for students and low-income earners.
Are these HMO plans suitable for families?
Yes. While this list focuses on individual plans, most HMOs like Avon, Axa Mansard, and Clearline offer family packages covering spouses, children, and sometimes elderly dependents.
Can I pay monthly instead of annually?
Many HMOs provide flexible payment options. For example, Reliance HMO and Axa Mansard allow monthly or quarterly payments.
What does health insurance cover in Nigeria?
Coverage depends on the plan but usually includes:
- General consultations
- Laboratory tests
- Prescribed medications
- Hospital admissions
- Emergency care
Higher-tier plans may include specialist consultations, dental, maternity, optical, and international coverage.
How do I register for a health insurance plan?
Registration can be done online via HMO websites, in-person at branches, through accredited agents, or at partner hospitals. Upon registration, you’ll receive an ID card to access healthcare services.
Conclusion
Finding an affordable HMO in Nigeria doesn’t have to be complicated. From entry-level plans like Healthcare Partners Ltd’s Treasure Plan to more comprehensive options like Reliance HMO, there’s something for every budget.
By choosing the right plan, you can protect yourself and your family, reduce financial risk, and gain access to quality healthcare — all while staying within your budget.
