Best HMO in Nigeria; Health Maintenance Organisation - Medic Bulletin
Best HMO in Nigeria; Health Maintenance Organisation

Best HMO in Nigeria; Health Maintenance Organisation

Most of the time, it can be challenging to choose the best HMO that can meet your health needs. So, knowing the best HMO in Nigeria is the first step to making the right choice towards optimal health care. HMO stands for Health Maintenance Organizations in Nigeria. These organizations are responsible for managing the provision of healthcare services through hospitals under their plan. They serve as middlemen between the hospitals and the patients.

How Does HMO Work in Nigeria?

The HMO offers its services to companies seeking to provide healthcare services for its employees and their families. The company must have at least 5 employers.
The arrangement works in the following way

The HMO company usually have a list of hospitals that can serve its clients (companies).
A company approaches HMO for the provision of health care services to their employees. There are different plans for the services provided.

An agreement is made between the HMO and the company.
The company agrees to pay for the health care, which will cover the employees of the company depending on their choice of products. Their choice of products is subject to the conditions of that plan for a stipulated time which is usually a year.
The company employee chooses a hospital from the list of hospitals of HMOs like Hygeia HMO, Avon HMO, and so on.
When an employee or any person eligible under the HMO scheme falls ill, the hospital has to attend to the person.
The hospitals are often paid in advance not minding whether the patient uses it or not.

However, it may interest you to read: Improving Immunization Services; the Guide

Best HMO in Nigeria

Hygeia; Best HMO in Nigeria

Hygeia HMO is an old and prominent HMO in Nigeria. It has been in existence for over 30 years, though it got its licence from the National Health Insurance Scheme in the year 2005. Their health insurance offers are cheap and affordable, across the following plans:

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

For more information, visit their official website at

Reliance; Best HMO in Nigeria

Reliance HMO is also very common in Nigeria, with health plans across families and businesses. You can access their services through their mobile application which you can download from their play store. They provide services for:

  • Family
  • Parents
  • Business

Visit their official website at for more information.

Health point

health point HMO is very unique in that it provides free health insurance packages for widows and children. Also, they are relatively cheap. With as low as N800, you can purchase healthcare insurance. The available packages are:

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

You can visit their official website at for more information


This HMO started in 2001. They provide the following plans:

  • 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 at for more information


Aiico multi shield Nigeria is the HMO arm of Aiico insurance company, run since 1997. It offers several insurance plans, including:

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

Visit for more information

Redcare Health Service Limited

Redcare health service limited provides value through health care solutions to meet the needs of customers. Also, the company goes above and beyond for policyholders. Services they offer include:

  • Corporate plans
  • Private plans
  • Other plans

You can visit for more information

This list is not exhaustive, but we have highlighted those important ones to guide your choice. This is because choosing the right HMO is important in order to help yourself, your family and your employers in times of health emergency. This is particularly good as it helps to save cost and to still get the desired healthcare even when money is not readily available.

For more reading, check National Health Insurance Scheme

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