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Looking for the best health insurance coverage in Nigeria? Confused about which Health Maintenance Organization (HMO) to choose from the many options?
As healthcare costs continue rising, getting a good health plan at an affordable rate is more important than ever before. But the availability of many HMOs with varying coverage, networks, and payment plans makes the selection process complicated.
Which HMOs offer the best and most comprehensive plans? Which ones have the widest coverage nationwide? What value-added services do they provide?
If these are some of the questions on your mind, then this article is for you. Here we have compiled the top 10 affordable HMOs in Nigeria you should consider getting a health plan from in 2026.
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TOP 10 BEST HMO IN NIGERIA AND THEIR HEALTH PLANS (2026)
Continue reading to find out our top 10 picks and discover the HMO best suited for your health insurance needs in this year with their plans.
HYGEIA HMO
Hygeia HMOÂ is the leading health management organization in Nigeria. This organisation has quickly grown to become one of the most popular HMOs in Nigeria since founded in 2008.
They have affordable plans that offer coverage for inpatient, outpatient, maternity, dental and eye care services. Their plans also include special programs for managing chronic illnesses like diabetes and hypertension.
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Hygeia has a large hospital network that includes high quality private and public health facilities across all states in Nigeria. They are known for fast claims processing and providing excellent customer service.
HEALTH PLANS
Here is a table listing some of Hygeia HMO’s health plans in Nigeria for 2026, along with their prices and key features:
| Plan | Price (₦) | Key Features |
|---|---|---|
| HyStarter | 50,796 | Inpatient limit: ₦450,000, Outpatient limit: ₦250,000, Medications: ₦80,000, General Ward accommodation, GP/Specialist consultations, maternity care. |
| HyBasic | 55,590 | Inpatient limit: ₦350,000, Outpatient limit: ₦100,000, Medications: ₦50,000, General Ward accommodation, GP/Specialist consultations, dental/optical care. |
| HyPrime | 166,974 | Inpatient limit: ₦500,000, Outpatient limit: ₦200,000, Medications: ₦85,000, Semi-private ward, chronic conditions covered, maternity care. |
| HyPrime Plus | 448,902 | Inpatient limit: ₦600,000, Outpatient limit: ₦300,000, Medications: ₦100,000, Private ward, maternity care, annual health checks. |
| HyBasic Family | 230,112 | Similar to HyBasic but for family: Inpatient limit: ₦350,000, General Ward, medications: ₦50,000, GP/Specialist consultations, dental/optical care. |
| HyPrime Family | 667,590 | Inpatient limit: ₦500,000, Semi-private ward, medications: ₦85,000, chronic conditions covered, maternity care. |
| Senior Mini | 203,796 | Inpatient limit: ₦1,000,000, Outpatient limit: ₦350,000, medications covered, general ward, treatment of chronic conditions, cancer care, funeral cover. |
| Senior Premium | 865,266 | Inpatient limit: ₦3,350,000, Outpatient limit: ₦1,350,000, medications covered, cancer care, intensive care services, private ward. |
These plans offer varying degrees of healthcare coverage, from basic to premium options, with access to different categories of healthcare providers and additional services like maternity care, chronic disease management, and optical/dental care.
The family and senior plans are designed to meet the specific needs of those groups​.
AVON HMO
Avon HMOÂ originally started as a subsidiary of Avon Medical Practice, one of the top medical centers in Nigeria. They have now expanded to become the second best health management organizations in the country.
The company is now a full-scale HMO with affordable and flexible health plans for individuals and companies. Their plans offer extensive coverage including inpatient, outpatient, maternity, dental and eye care services.
They also have plans specifically tailored for managing HIV/AIDS. A key strength of Avon HMO is that their plans provide coverage across all states in Nigeria. They also have a reputable 24/7 helpline for assistance.
HEALTH PLANS
Here’s a table listing Avon HMO plans in Nigeria and their prices for 2026, based on the most common available information.
| Avon HMO Plan | Coverage | Price (2026) |
|---|---|---|
| Avon Basic Plan | Primary care, outpatient care, minor surgeries, maternity care, specialist consultations, basic laboratory tests. | ₦39,500 per year |
| Avon Classic Plan | Comprehensive outpatient care, specialist consultations, maternity, hospitalizations, surgeries, dental care, and optical services. | ₦59,500 per year |
| Avon Premium Plan | Full access to primary, secondary, and tertiary care, higher limits on surgeries, hospitalizations, maternity, and comprehensive dental and optical care. | ₦145,000 per year |
| Avon Super Premium Plan | Extensive cover with top-tier hospitals, increased limits for surgeries, maternity, elective surgeries, international treatment, and wellness programs. | ₦300,000 per year |
| Avon Custom Corporate Plan | Tailored for companies and organizations, covering comprehensive healthcare needs for employees, with options for dental, optical, and specialist services. | Varies based on plan |
Note that these prices are estimates and may vary depending on the location, specific coverage needs, or any ongoing promotions.
TOTAL HEALTH TRUST
Third on the list is the health insurance offered by Total Health Limited.
Total Health Trust is one of the top HMOs in Nigeria with over 20 years of experience. They have an extensive network of over 300 healthcare providers across the country. Their plans offer inpatient and outpatient coverage, dental, optical and emergency care services.
One of their standout services is the Total Health Wallet which provides access to a revolving fund that can be used to pay for medical bills not covered by your plan. Their customer service is also top-notch and responsive.
Overall, Total Health Trust offers comprehensive and flexible plans at affordable rates.
HEALTH PLANS
Here are some of the key plans offered by Total Health Trust (THT) HMO in Nigeria as of 2026
| Plan Name | Coverage (Annually) | Description |
|---|---|---|
| TotalGold | ₦5 million | Comprehensive plan covering inpatient and outpatient services. |
| TotalBasic | ₦750,000 | A budget-friendly plan for essential healthcare services. |
| TotalSeniorCare | ₦2 million | Tailored for seniors above 55, offering home care, specialist consultations, etc. |
| Corporate Plans | Customizable | For large organizations, providing flexible healthcare packages. |
| Retail Plans | Customizable | Designed for students, SMEs, and individuals. |
These plans are designed to cater to a range of healthcare needs, from basic coverage to more comprehensive packages, including specialized services for senior citizens
CLEARLINE INTERNATIONAL LIMITED HMO
Clearline International HMO prides itself on removing the hassle and paperwork from accessing quality healthcare. It is a limited liability company, incorporated in January 1994 and duly registered with National Health Insurance Scheme.
Clearline’s technology-driven approach enables customers to access care with ease. The company has comprehensive health plans that cover inpatient, outpatient, dental, maternity and eye care services. One advantage is that their plans include international coverage for travelers. They have a large network with over 300 hospitals across Nigeria.
Clearline also has flexible pricing and payment plans including hourly, daily, weekly and monthly payments.
HEALTH PLANS
Clearline HMO provides several corporate health insurance plans in Nigeria. Here’s a summary of their offerings:
| Plan | Coverage (Naira) | Details |
|---|---|---|
| Bronze | Up to N162,000 | Basic outpatient and specialist consultations |
| Silver | Up to N219,000 | Includes surgeries and specialist care |
| Gold | Up to N210,000 | Expanded coverage with higher limits |
| Gold Plus | Up to N426,000 | Enhanced benefits including major surgeries |
| Platinum | Up to N564,000 | Extensive coverage with premium hospitals |
| Platinum Plus | Up to N840,000 | Top-tier plan with international care |
| Platinum Evercare | Up to N1,200,000 | Highest coverage, full access to specialized care globally |
For more details and to request quotes, visit their website.
HEALTHCARE INTERNATIONAL HMO
Healthcare International started in 2004 and has steadily grown as a preferred HMO for many. They have affordable plans that offer inpatient, outpatient, dental, maternity and eye care coverage.
A distinguishing factor is that their plans also include health checks like mammography, prostate cancer screening, colon cancer screening, routine immunization and annual physical exams.
Healthcare International also has extensive coverage in Nigeria with accredited hospitals in over 180 locations across the 36 states.
HEALTH PLANS
Healthcare International (HCI) offers a variety of health insurance plans in Nigeria, catering to different needs. Below is a table of the plans and their respective prices as of 2026:
| Plan | Annual Price | Description |
|---|---|---|
| Titanium Compact | ₦25,000 – ₦100,000 | Basic coverage for individuals and families |
| Titanium Klassic | ₦30,000 – ₦125,000 | Mid-level coverage with more benefits |
| Titanium Ultra | ₦40,000 – ₦175,000 | Extended coverage, offering higher limits on services |
| Titanium Deluxe | ₦120,000 – ₦450,000 | Comprehensive plan, covering a wide range of healthcare |
| Titanium Royal | ₦175,000 – ₦650,000 | Premium plan with the highest coverage limits available |
| Citizen Agile | ₦36,500 | Tailored for senior citizens (60+) |
| Citizen Fresh | ₦45,500 | Advanced care plan for seniors |
| Citizen Delight | ₦60,000 | Comprehensive care for senior citizens |
These plans cover different healthcare services ranging from basic consultations to advanced treatments, with higher-tier plans providing more extensive coverage, including critical illness cover and overseas treatment options
STERLING HEALTH HMO
Sterling HMO is a relatively new HMO but has quickly gained popularity due to their technology innovations aimed at making healthcare easily accessible.
The health agency is located at Suite B20, Amma Centre, 14 Oro Ago St, Garki, Abuja 900103, Federal Capital Territory.
The Sterling mobile app allows customers to access services like telemedicine consultations, renew plans, view e-cards and find hospitals. Their health plans offer broad coverage including inpatient, outpatient, maternity, dental and eye care.
Sterling has competitive pricing and also provides value-added services focused on wellness and preventative care. Their operations currently cover 13 states.
HEALTH PLANS
Sterling Health HMO offers several health plans in Nigeria to cater to different needs. Here is a breakdown of the available plans:
| Plan | Description |
|---|---|
| Basic | Offers essential healthcare services, suitable for individuals or families looking for basic coverage. |
| Classic | A step-up from the Basic plan, providing more comprehensive coverage and additional benefits. |
| Bronze | Includes coverage for outpatient and inpatient services, with a wider range of healthcare services compared to the Classic plan. |
| Silver | Offers extensive coverage, including specialist care and advanced diagnostic services. |
| Gold | Provides a premium package, covering more comprehensive health services, including surgery and major medical interventions. |
| Platinum | Top-tier plan that includes luxury healthcare services, covering international medical evacuation and top medical facilities. |
| Platinum Extra | Adds even more benefits to the Platinum plan, with expanded coverage for high-end medical services, including exclusive access to top healthcare providers. |
For current pricing details, you may need to contact Sterling Health directly as their prices may vary depending on the specific plan, family size, or individual needs
AIICO HMO
AIICO is an old player in the insurance industry in the country. Having been in the line since 1997, they now make access to healthcare seamless even from the comfort of your home.
AIICO have flexible plans at affordable rates that cover the regular inpatient, outpatient, dental and maternity services.
However, they also have innovative value-added services like telemedicine consultations, home care services and a mobile app.
AIICO HMO also provides customized health and wellness programs for managing chronic diseases.
HEALTH PLANS
Here’s a summary of AIICO HMO health plans in a table format:
| Plan | Coverage | Annual Premium (NGN) |
|---|---|---|
| AIICO Family | Basic healthcare coverage including outpatient services, hospital care, and routine check-ups. | 50,000 |
| AIICO Classic | Comprehensive coverage including specialist consultations, diagnostics, and major surgeries. | 100,000 |
| AIICO Premium | Extensive coverage with high annual limits, access to premium hospitals, and additional benefits like maternity care. | 200,000 |
| AIICO Executive | Top-tier plan with broad coverage including international care, high coverage limits, and a wide network of healthcare providers. | 350,000 |
LIBERTY HEALTH HMO
Liberty Health HMO provides affordable managed healthcare plans for individuals and corporate organizations. Their plans offer extensive coverage including inpatient, outpatient, maternity, dental and eye care services.
Liberty Health has an e-membership card which members can use to access services paperlessly.
They also have Liberty Health Plus clinics which offer specialized services like antenatal care, family planning, HIV/AIDS treatment, laboratory tests and scanning services.
Currently, Liberty have a presence in 5 states but are expanding rapidly across Nigeria.
HEALTH PLANS
As of 2026, Liberty Health HMO offers various health insurance plans in Nigeria. Here’s a table summarizing their key plans and approximate prices:
| Plan | Coverage | Approximate Annual Premium |
|---|---|---|
| LibertyCare Basic | Primary care, general consultations, immunizations, minor illnesses. | ₦75,000 – ₦90,000 |
| LibertyCare Essential | Comprehensive primary and secondary care, diagnostic tests, specialist consultations. | ₦150,000 – ₦200,000 |
| LibertyCare Classic | Extensive coverage including hospitalization, specialist care, and maternity. | ₦250,000 – ₦350,000 |
| LibertyCare Premium | Premium coverage with access to top hospitals, international care, high annual limits. | ₦500,000 – ₦750,000 |
HALLMARK
Hallmark HMO provides top-tier healthcare plans with extensive coverage for inpatient, outpatient, maternity, dental and eye care services. They have an impressive network of over 500 top hospitals across Nigeria. Customers get access to value-adds like free annual checkups, gym discounts and home delivery for drugs.
Hallmark is known to offer prompt access to care and quality treatment at affordable rates. Their plans also have international coverage for travelers.
Currently, Hallmark services are available in 5 states and they are located at 264 Ikorodu-Ososun Rd, Obanikoro, Lagos.
RELIANCE HMO
Reliance HMO stands out as one of the most popular budget-friendly Health Maintenance Organizations (HMOs) in Nigeria, offering a range of health plans tailored for both families and businesses.
Their services, similar to those of Hygeia, are conveniently accessible via the Reliance HMO mobile app. Based in Lagos, Reliance HMO operates from 32 Lanre Awolokun Street, Gbagada.
In addition to their competitive pricing, Reliance provides a variety of plan options designed to meet diverse healthcare needs and ensure comprehensive coverage. provides strong competition to the more established HMOs.
HEALTH PLANS
Here’s a table listing Reliance HMO plans in Nigeria along with their approximate prices for 2026.
| Plan Name | Coverage | Price (Approx.) |
|---|---|---|
| Basic Plan | Primary care, general consultations, basic diagnostics, and treatment. | ₦15,000 – ₦25,000 |
| Essential Plan | Primary care, specialist consultations, diagnostic tests, and hospitalization. | ₦30,000 – ₦45,000 |
| Standard Plan | Comprehensive care including surgeries, maternity care, and higher hospitalization limits. | ₦50,000 – ₦75,000 |
| Premium Plan | Extensive coverage with access to high-end facilities, international care options, and higher limits. | ₦100,000 – ₦150,000 |
For specific details or customized plans, contacting Reliance HMO directly would provide the most accurate information.
CONCLUSION
Choosing the right HMO is an important decision that requires considering coverage, network, pricing, and services offered.
The HMOs highlighted in this article provide exceptional healthcare plans to suit different needs and budgets.
As the Nigerian healthcare sector continues to evolve, we expect even more innovations from HMOs to make access to quality and affordable care easier for citizens.
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Mfonobong Daniel
