Top 10 HMOs for buying health insurance in Nigeria in 2025 

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For decades, Nigeria’s health‑insurance story has been defined by hope more than reach, but that is finally changing. With recent reforms and a growing number of Health Maintenance Organisations (HMOs), access to structured healthcare is increasingly becoming less of a privilege and more of a right.

Currently, there are 83 NHIA‑accredited HMOs in Nigeria, although this number fluctuates based on the NHIA’s periodic review process. Enrollment under the National Health Insurance Authority (NHIA) surged from 16.7 million to 19.2 million in just one year, a 40% increase that reflects growing trust in formal health‑insurance systems.

Yet, despite this growth, only a small fraction of Nigerians are enrolled in formal health plans. According to the National Health Insurance Authority (NHIA), enrollment is still less than 10% of the population.

The HMO industry is responding to innovation. A growing number of health insurers are building mobile-first platforms that deliver plan management, claims, hospital directories, and telemedicine. These tech‑enabled models are not just modernizing the patient experience, they’re helping HMOs extend their reach and scale their operations efficiently.

At the same time, HMOs are navigating challenges. Escalating drug costs and tighter provider margins have forced many to raise premiums, testing the resilience of the sector. Nevertheless, these organisations remain essential intermediaries, ensuring that Nigerians can access both routine and emergency healthcare without bearing the full financial burden themselves.

Our methodology for assessing the top 10 HMOs for buying health insurance prioritizes firms with user-friendly mobile apps, broad health‑service coverage and consumer traction, measured in app downloads.

Based on those criteria, here are the top 10 HMOs for buying health insurance in Nigeria as of November 2025.

Clearline- 1K plus downloads

Clearline HMO combines nearly 30 years of healthcare experience with a nationwide network of over 1,400 partner hospitals. It’s a digitally enabled insurer that prioritizes affordability and access. Through its mobile app, users can manage plan details, view hospital directories, submit claims and handle health-insurance tasks seamlessly from their phones.

The company offers health plans across retail, SME, corporate, and tertiary institution categories. On the retail side, Clearline’s plans start with KiaKia, which provides telemedicine-only access for N3,000, and go up to Clear Elite, whose annual premium for individuals is N341,087.

In the KiaKia plan, users can consult doctors 24/7 virtually without going to a hospital. For the higher-tier plans, benefits expand to include general and specialist outpatient consultations, laboratory investigations, diagnostics, admission and feeding, surgical treatment (minor and major), maternal care, neonatal services, ENT treatment, psychiatric care, and even advanced investigations like CT and MRI scans.

Clearline HMO is accredited by the regulatory agency, NHIA, with a code number 3.

Phillips HMO – 5K Plus Downloads 

Phillips HMO is a prepaid health-management organisation accredited by NHIS, offering accessible healthcare through a blend of digital and in-person services. Their mobile app is the central point for users to generate e-ID cards, check eligibility, access hospital networks, and manage claims, giving members seamless access to care wherever they are.

Phillips HMO designs its plans to serve individuals, families, small and large enterprises, and associations. On the retail side, they offer several plan tiers, including the Access, Klassic, Ultra, Deluxe, and Royal plans, each providing different levels of coverage.

One of their most basic plans is the Access Plan, which is built for core outpatient services and inpatient stabilisation. The plan covers general and specialist consultations (including obstetrics, paediatrics, and general surgery), routine lab investigations, and essential medications.

Emergency services are included, with a limit of N30,000 per year. Admission coverage allows up to 10 days in a general ward, including feeding, nursing care, and prescribed drugs. It allows up to 10 days’ stay in a general ward with feeding and nursing, includes basic diagnostics (X-ray, ultrasound, ECG), but only emergency CT/MRI. Maternity and rare-specialist visits are limited, while neonatal SCBU care begins after 12 months. Dental and eye care start after 6 months, mental-health support after six months, and annual health screening after 9 months. Chronic-disease care opens after a 12-month waiting period, and surgery is capped at N50,000 per year once active

The health maintenance organization is accredited by the regulatory agency, NHIA, with a code number 88.

Hallmark HMO – 5K plus downloads

Hallmark HMO runs a tech-enabled health insurance model, and its mobile app lets users complete enrolment, manage dependents, view their benefit package, access a digital ID, and browse over 1,000 hospitals in its network.

Hallmark’s health plans are structured for both retail (individual) and corporate / SME clients. On the individual side, its most affordable plan is the Zircon SME plan, priced at N45,000 per year. It also has a retail plan called Hallmark Beryl for N105,000 per year.

Under Hallmark’s plans, members get access to outpatient consultations, though the Zircon plan does not cover specialist care. Hallmark supports minor surgeries in some tiers, and its more comprehensive plans include advanced investigations, renal dialysis, and physiotherapy. Through its mobile app, users can track their medical history, calculate BMI, and make informed care decisions.

Member is outside their usual location, they can still access care by using the hospital list in the app.

Hallmark is fully accredited by the National Health Insurance Authority (NHIA) as a National HMO with a code number 96.

Redcare HMO – 5K plus downloads

Redcare HMO runs a modern health-insurance service managed through its mobile app, where users can generate e-ID cards, check their eligibility, browse its list of over 600 partner hospitals nationwide, and access health tips and records.

They offer plans for individuals and families as well as corporate clients. Among their individual health plans, the most affordable is Red Edge, while the highest-tier plan is Diamond.

Across these plans, Redcare covers outpatient and inpatient consultations, radiology and lab diagnostics, minor surgeries, physiotherapy, prescribed medicines, immunizations, and chronic ailments.

They also support eye care, neonatal services, preventive care, and HIV-AIDS diagnosis and treatment via specialist centres. On the corporate side, Redcare’s plans include Silver, Ruby, Gold, Platinum, and Diamond.

These plans typically cover consultations, lab tests, prescribed medicines, hospital admission, emergencies, X-rays, chronic disease management, dental care, and even dialysis, depending on the tier.

The company is fully accredited under NHIS, having been incorporated in 2009 with a code number 65.

NEM Health – 10K plus downloads

NEM Health is a tech-enabled HMO in Nigeria, offering coverage through a well-designed mobile app that acts as your digital health hub. The app lets users access e-ID cards, check eligibility, view benefit limits, locate providers, submit reimbursement requests, and more all from their phones.

The HMO has plans for various needs with individuals and families, SMEs, large corporates, a “HomeReach” plan (for diaspora to cover loved ones back home), and a GoldenCare plan designed for seniors.

The most affordable retail options is the Retail Lotus plan, which has a yearly premium of N88,300. Under its plans, NEM Health gives access to over 2,000 hospitals across Nigeria. The provider network also includes more than 500 accredited optical centres and a network of dental care providers.

For outpatient care, the Lotus plan has a limit of N200,000 per year. NEM Health Emergency services, including resuscitation and medical transport, are covered. NEM Health also supports diagnostic services like lab tests, X-rays, and ultrasounds.

Inpatient care is included for standard ward admission and feeding. NEM Health Skilled maternity care appears in higher-tier plans, such as Tulip, which offers basic maternity benefits.

The health maintenance organization is accredited by the regulatory agency, NHIA, with a code number 116.

Avon Flex – 10K plus downloads

Avon Flex is Avon HMO’s digital-first health management app, serving as the main hub for managing one’s health plan. Through the app, users can track their medical history, view plan benefits, find nearby health facilities including dental and optical, and submit pre-authorisation requests for treatment even when they are out of town.

The app also allows members to buy or renew their health plan and offers personalized health tools such as quick medical check assessments, community support, and period tracking.

On the plan side, Avon offers several health insurance packages for individuals and families. Their most affordable individual plan is the Life Plus plan, which has an annual premium of N65,429.

Under Life Plus, policyholders are covered for general outpatient consultations, specialist consultations, lab investigations, and prescribed drugs up to N15,000. The plan also provides up to 20 days of inpatient admission in a general ward, including feeding, and covers 24-hour neonatal ICU care when applicable. Surgical procedures,including minor, intermediate, and major surgeries are covered up to N250,000 per person after a 12-month waiting period.

The health maintenance organization is accredited by the regulatory agency, NHIA, with a code number 63.

Leadway Health – 50K plus downloads 

Leadway Health builds its health‑insurance business around a highly interactive mobile app, making it easy for users to enroll, manage their plan, and access care. With the app, members can schedule hospital visits, submit claims, find nearby providers, self-approve pre-authorisations, save medical records, add dependents, and even track their step count for wellness rewards.

Beyond the digital access, Leadway Health designs its plans to serve individuals, families, small and large companies (SMEs and corporates), and international clients.

Leadway offers a suite of “berry” retail plans, the most affordable of which is the StrawBerry plan. The annual premium for StrawBerry is N104,997.75

Under the StrawBerry plan, enrollees can access general outpatient services with a limit of N150,000 per year. Telemedicine is fully supported, so users can chat with doctors and nurses for routine or emergency medical needs via the app. The plan also covers hospital admissions, diagnostic services (X-ray, lab tests), basic surgery, and pharmacy benefits, including the option for chronic‑illness patients to receive prescription deliveries.

For dental and eye care, Leadway provides coverage through its provider network, and emergency services are included. The plan has a 7-day waiting period before benefits kick in, and pre‑existing or chronic conditions are excluded for the first year.

The health maintenance organization is accredited by the regulatory agency, NHIA, with a code number 90.

Hygeia HMO-100K plus downloads

Hygeia HMO is a long-standing and prominent Health Maintenance Organization in Nigeria and Africa. It aims to provide accessible and affordable healthcare coverage to a wide range of customers, including individuals, families, small businesses, and large corporations.

Hygeia HMO operates through a large nationwide network of partner hospitals and clinics. It offers various plans with benefits that typically cover general and specialist consultations, hospital stays, prescription drugs, diagnostics, and in some cases, maternity and chronic disease management. They also use digital tools and telemedicine to help members easily manage their plans and access care

Its most affordable individual retail plan is HyBasic, which costs N5,450 monthly under current plan schedules and N55,590 per year. Under the HyBasic plan, members are covered for outpatient consultations (general practitioners and specialists) up to 12 specialist visits per year, and 24/7 telemedicine support. Inpatient care is limited to 15 days per year in a general ward, and surgeries (minor, intermediate, major) are covered up to N150,000.

The plan also supports optical care (acute eye disease), dental treatments like fillings and non-surgical extractions up to N10,000 per year, and physiotherapy up to N20,000. Emergency care is covered in all plans, including life-saving treatments, and ambulance services are available under certain plans.

The health maintenance organization is accredited by the regulatory agency, NHIA, with a code 1.

Axa Mansard-100k plus downloads

Axa Mansard runs a digital-first health insurance system built around its mobile app, which serves as the main access point for enrolment, hospital selection and service management. The app is designed to help users buy a plan, locate accredited hospitals, request approvals and track their benefits without visiting any physical office.

It operates plans for individuals, families, small businesses (SMEs), and corporate clients. With over 147,000 employees and distributors serving 94 million clients in 51 countries.

After establishing a strong entry point through its app, AXA Mansard’s EasyCare plan stands out as one of its most affordable packages for retail users. The plan is priced at N20,000 for six months and N32,000 for a full year

EasyCare grants access to AXA Mansard’s approved hospital network and covers routine outpatient consultations with both general practitioners and specialists. It supports diagnostic services including X-rays, laboratory investigations and prescribed medications, offering a basic but reliable outpatient experience. For surgical needs, the plan covers minor, intermediate and major procedures up to a set limit, with a six-month waiting period before surgical benefits can be accessed.

The health maintenance organization is accredited by the regulatory agency, NHIA, with a code number, 59.

Reliance HMO- 100K plus downloads

Reliance HMO is a health technology company based in Nigeria that operates as a licensed Health Maintenance Organization. The company offers various health insurance plans that cover services such as doctor visits, hospital stays, and prescription drugs. Reliance HMO offers a digital-first approach, allowing members to manage their plans, find healthcare providers, and access customer support primarily through their mobile application and online platform, focusing on efficiency and user experience in the often-complex Nigerian healthcare sector.

After establishing a strong entry point through its app, Reliance HMO’s Red Beryl plan stands out as its most affordable retail package. The plan costs N3,500 per month and provides an annual benefit limit of N1.2 million.

The plans cover outpatient consultations with general practitioners and specialists, diagnostic tests including X-rays and labs, prescribed medicines, accident and emergency care, minor to major surgeries, physiotherapy sessions, and advanced investigations such as CT and MRI scans in emergencies.

The health maintenance organization is accredited by the regulatory agency, NHIA, with a code number, 92.