Top 15 Health Insurance Companies in Nigeria


Health Insurance Companies in Nigeria are solely to provide head security as well as cover medical expenses of insured patients. Often referred to as Health Maintenance Organization or HMO (for short), these companies account for the health risks of clients insured under them. Health Insurance is a social security system that guarantees the provision of needed health services to persons on the payment of token contributions at regular intervals.

HMOs in Nigeria should be considered a necessity for Nigerians just in cases of emergencies, like days when one could be cash strapped. Buying a health insurance plan for you and your immediate family should be a priority. While no one prays for mishaps, it is not a crime as well to prepare for stormy and cloudy days ahead. This is oftentimes, the purpose of HMOs or health insurance companies in Nigeria – save in desperate moments since not every home is buoyant enough to have a family doctor.

We have already listed the accredited HMOs in Nigeria and their locations, you might want to take a look before proceeding with this.

What is NHIS?

The National Health Insurance Scheme (NHIS) is a body corporate established under Act 35 of 1999 Constitution by the Federal Government of Nigeria to improve the health of all Nigerians at an affordable cost. The NHIS is to provide social health insurance in Nigeria where health care services of contributors are paid from the common pool of funds contributed by the participants of the Scheme.

It is a pre-payment plan where participants pay a fixed regular amount. The amount/funds are pooled, allowing the Health Maintenance Organisations (HMOs) to pay for those needing medical attention. It is primarily a risk-sharing arrangement which can improve resource mobilization and equity. NHIS also regulate private health Insurance operated by HMOs.

How Does HMO Work in Nigeria

A monthly fee is specified and agreed between the insurance company (HMO) and its client, based on the package type or plan chosen by the client, and in the event of health challenges, the insurance company will cover for the medical expenses of its client. Individuals can as well pay annually for their health plans for better ease of convenience.

Health maintenance organizations (HMOs) are private or public establishments established and registered by the National Health Insurance Scheme to manage the provision of medical and healthcare services within the country.

How Many HMOs are in Nigeria

Currently, there are about 60 accredited HMOs that are fully operational in Nigeria. However, for the sake of this post, we shall list the best 15 accredited HMOs in Nigeria that provide healthcare and health insurance services.

Top 15 Health Insurance Companies in Nigeria

Below are the top 15 health insurance companies in Nigeria, according to NaijaTask:

1. Premium Healthcare Limited

With its headquarters in Ikoyi, Lagos state, Premium healthcare limited is said to be fully equipped to offer health and medical insurance services to individuals, groups, and private and public owned corporate entities across the country.

2. Avon Healthcare Limited

Avon Healthcare Limited is located at Ikoyi, Lagos state, and is also said to provide health insurance services to individuals, couples, families, groups, small businesses, and public and private business corporations. Their services are also said to be quite affordable, and this makes it a top choice for many Nigerians.

3. Healthcare International Limited

Another Health management organization located in Lagos, Nigeria, Healthcare International Limited also offers flexible and affordable healthcare and medical insurance services to its wide clientele which ranges from individuals to corporate bodies.

4. Total Health Trust Limited

Located in Palmgroove Estate in Lagos, Nigeria, Total Health Trust Limited is another top Health Management Organisation in Nigeria that offers quality medical insurance services to individuals and public and private corporate bodies. Although their services are relatively more expensive than other Health Management Organisations in the country, the quality of their services makes up for this, as you’re assured of getting value for money when it comes to health insurance. The quality of their services also makes them the preferred health insurance company for expatriates within the country.

5. Integrated Healthcare Limited

With its headquarters in Nigeria’s capital city, Abuja, integrated Healthcare Limited offers medical insurance cover to individuals, families, and public and private corporations across the country. Alongside their health insurance packages, they also offer emergency services and counseling to their clients.

6. Prepaid Medical Services Limited

Another Health Management Organisation located in Abuja, Prepaid Medical Services limited offers medical insurance to individuals, families and corporate bodies across Nigeria.

7. United Healthcare International Limited

With its headquarters in Lagos, Nigeria, United Healthcare International Limited offers health insurance services to individuals, families, groups, and corporate organizations, both public and private.

8. Mediplan healthcare limited

Mediplan Healthcare Limited is a Health Management Organisation that was established in 2000 in Lagos State, Nigeria. They are said to be the preferred health insurance establishment for small and medium scale businesses in Nigeria, with their insurance packages covering a wide variety of budgets.

9. Zuma Health Trust

Zuma health trust is a Health Management Organisation located in the capital city of Nigeria, Abuja, that offers healthcare and insurance packages to individuals, families, and public and private corporate entities.

10. Hygeia HMO Limited

Hygeia HMO Limited is a Health Management organization located in Marina, Lagos, Nigeria. They are said to be an HMO preferred by small, medium and large scale businesses within Lagos and across the country. Their insurance plans are said to be relatively affordable and are supported by a huge healthcare provider network nationwide. They also provide their individual and corporate clients with a healthcare savings account. Hygeia is also Nigeria’s premier HMO.

11. Metrohealth HMO Limited

Metrohealth HMO limited is located in Lagos Island in Lagos State, Nigeria. Their focus is said to be on providing quick, quality, personalized and seamless healthcare and medical insurance services to their clients, no matter the age range – young, middle-aged, or old.

12. Clearline International Limited

Clearline International Limited is one of the largest health management and medical insurance organizations in Nigeria. They are said to have over 2000 healthcare providers and thirteen healthcare centers nationwide. They have been accredited for over 2 decades now – hence, are one of the oldest HMOs in Nigeria – and their standards have not dropped since they received their operational license. They offer medical insurance services to individuals, families, groups and corporate bodies. They are located in Lagos, Nigeria.

13. Axa Mansard Health Insurance

Axa Mansard Health Insurance is a full health insurance company and not a Health Management Organisation like the rest earlier mentioned. They are a preferred choice for individuals, families and corporate bodies looking for robust and affordable health insurance packages. They are located in Victoria Island, Lagos.

14. Defense Health Management Limited

Defense Health Management Limited (DHML) is a Health Management Organisation jointly owned by the Ministry of defense and the Nigerian Armed Forces. It was established to cover for the healthcare needs of the Nigerian military. It is located in the capital city of the country, Abuja.

15. Princeton Health Group

One of the oldest Health Management Organisations in Nigeria, having been around since 1999, Princeton Health group is associated with Princeton Health Incorporated – an American Health Insurance company located in New Jersey – and offers health insurance services to individuals, groups and corporate bodies.

Wrapping Up

We would love to hear your thoughts and opinions. If you have used an HMO that is not listed and you think they deserve a spot, kindly leave a comment. We will also appreciate your thoughts on the HMOs listed above and your experience with them. Don’t forget to share this article and help get the word out! Thank you.

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