Compare HMO Plans Nigeria 2026
Compare health insurance plans from Nigeria's top HMOs. Filter by budget and coverage to find the best plan for you.
15 plans found
Hygeia HMO
Hygeia BasicAnnual
₦30,000
Monthly
₦2,500
Hospitals
1,000+
Waiting
30 days
Key: Outpatient consultations • Up to ₦250K inpatient • Lab tests
Leadway Health
Essential CareAnnual
₦32,000
Monthly
₦2,667
Hospitals
900+
Waiting
30 days
Key: GP consultations • Up to ₦300K inpatient • Basic diagnostics
AXA Mansard
FlexiCare BasicAnnual
₦35,000
Monthly
₦2,917
Hospitals
1,200+
Waiting
30 days
Key: Outpatient care • Up to ₦300K inpatient • Ambulance services
Avon Healthcare
Avon BasicAnnual
₦38,000
Monthly
₦3,167
Hospitals
1,100+
Waiting
30 days
Key: Outpatient care • Up to ₦350K inpatient • Lab & diagnostics
AIICO Multishield
Silver ShieldAnnual
₦40,000
Monthly
₦3,333
Hospitals
800+
Waiting
30 days
Key: Outpatient visits • Up to ₦400K inpatient • Emergency ambulance
Reliance Health
RubiesAnnual
₦45,000
Monthly
₦3,750
Hospitals
1,500+
Waiting
30 days
Key: Unlimited outpatient visits • Up to ₦500K inpatient cover • Emergency care
Hygeia HMO
Hygeia StandardAnnual
₦85,000
Monthly
₦7,083
Hospitals
1,500+
Waiting
30 days
Key: Unlimited outpatient • Up to ₦1M inpatient • Basic dental • Surgery cover
AXA Mansard
FlexiCare PlusAnnual
₦100,000
Monthly
₦8,333
Hospitals
1,800+
Waiting
30 days
Key: Unlimited outpatient • Up to ₦1.5M inpatient • Basic dental • Chronic disease management
AIICO Multishield
Gold ShieldAnnual
₦110,000
Monthly
₦9,167
Hospitals
1,200+
Waiting
30 days
Key: Unlimited outpatient • Up to ₦2M inpatient • Dental & optical • Specialist referrals
Reliance Health
SapphireAnnual
₦120,000
Monthly
₦10,000
Hospitals
2,000+
Waiting
30 days
Key: Unlimited outpatient • Up to ₦2M inpatient • Basic dental & optical • Specialist consultations
Leadway Health
Comprehensive CareAnnual
₦200,000
Monthly
₦16,667
Hospitals
1,800+
Waiting
None
Key: Unlimited outpatient • Up to ₦3M inpatient • Dental & optical • Maternity • Annual wellness check
Hygeia HMO
Hygeia PremiumAnnual
₦250,000
Monthly
₦20,833
Hospitals
2,000+
Waiting
None
Key: Unlimited outpatient • Up to ₦5M inpatient • Full dental & optical • Maternity • Physiotherapy
AXA Mansard
FlexiCare PremiumAnnual
₦280,000
Monthly
₦23,333
Hospitals
2,500+
Waiting
None
Key: Unlimited outpatient • Up to ₦5M inpatient • Full dental & optical • Maternity • Annual health check
Avon Healthcare
Avon PremiumAnnual
₦300,000
Monthly
₦25,000
Hospitals
2,200+
Waiting
None
Key: Unlimited outpatient • Up to ₦7M inpatient • Full dental & optical • Maternity • Mental health sessions
Reliance Health
GoldAnnual
₦350,000
Monthly
₦29,167
Hospitals
3,000+
Waiting
None
Key: Unlimited outpatient • Up to ₦10M inpatient • Full dental & optical • Maternity cover • International emergency
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