Top 10 Best HMO’S in Nigeria You Should Try (2024)

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.

best hmo in nigeria

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 HMOs in Nigeria you should consider getting a health plan from in 2024.


Continue reading to find out the top 10 picks and discover the HMO best suited for your health insurance needs in this year.


Hygeia HMO 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.

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.


Avon HMO 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.


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.


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.


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.


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.


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.


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.


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.


Greenbay is a relatively new player but is quickly making its mark with affordable and comprehensive health plans. Their network includes over 180 hospitals across Nigeria.

Greenbay also provide customized wellness programs like corporate and individual programs. Though currently operating in just 2 states, Greenbay Healthcare provides strong competition to the more established HMOs.


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.

Mfonobong Daniel

I am Daniel, a professional financial blogger, an insurance agent and financial adviser. Join me as I unravel and breakdown the mysteries behind insurance policies in Nigeria.

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