Top 10 Health Insurance Companies in Nigeria & Plans (2024)

Health insurance has become an important aspect of healthcare in Nigeria.

Health insurance provides financial protection against unexpected illnesses or injuries. This is better as there is rising costs of medical care.

Choosing the right health insurance company and plan is crucial to get the maximum benefits.

This article discusses the top 10 health insurance companies in Nigeria and the various plans they offer in 2024.

TOP 10 HEALTH INSURANCE COMPANIES IN NIGERIA & PLANS (2024)

The following are the best health management and insurance companies in Nigeria and their respective plans.

HYGEIA HMO

Hygeia HMO is one of the leading health maintenance organizations (HMOs) in Nigeria accredited by the Health Insurance Scheme.

Founded in 2008, Hygeia has grown to become one of the most preferred HMOs with over 1 million enrollees. It has a wide network of over 1000 hospitals and 700 pharmacies spread across Nigeria.

Some of the top health plans offered by Hygeia HMO include:

• Classic Care Plan: This covers inpatient and outpatient care including doctor visits, lab tests, scans, surgeries, dialysis, cancer treatment etc. It has an annual limit of ₦1.5 million.
• Classic Care Plan Extra: In addition to the Classic plan benefits, this offers higher coverage of ₦2 million annually. It also includes overseas treatment up to $5,000 annually.
• Basic Care Plan: This is an affordable plan with limited benefits. It covers inpatient and outpatient care up to ₦500,000 annually.

Hygeia HMO has become a preferred choice for many individuals and families seeking health insurance with its large provider network, range of affordable plans, coverage of pre-existing conditions and overseas treatment.

AVON HMO

Avon is a leading health maintenance organization that has been operating in Nigeria since 2008.

It is accredited by the NHIS with a goal to provide easy access to quality and affordable healthcare for Nigerians.

Some of the top health plans provided by Avon HMO include:

• Avon Comprehensive Health Plan: It offers extensive coverage for inpatient and outpatient services including consultations, tests, scans, dialysis, cancer care and surgeries. Annual coverage is up to ₦2.5 million.
• Avon Basic Health Plan: This is an affordable plan ideal for small families. It covers inpatient and outpatient services up to ₦800,000 annually.
• Avon Specialist Care: For members who need regular specialist care, this plan offers robust coverage for specialist costs, tests, dialysis etc. Up to ₦1 million annually.

With a network of over 300 partner hospitals, 24/7 member support and ease of access, Avon HMO has become one of the fastest growing health insurance companies in Nigeria.

AXA MANSARD HEALTH LIMITED

Third on our list is AXA Mansard Health Limited. This is a reputable HMO in Nigeria known for its innovative health plans and services.

AXA Mansard has grown tremendously with over 300,000 enrollees across Nigeria.

Some of the notable health plans by AXA Mansard include:

• AXA Platinum Plan: It is a premium plan that covers inpatient and outpatient services up to ₦12 million annually. Key benefits include overseas treatment, organ transplant, cancer therapy, dialysis etc.
• AXA Gold Plan: With this plan, members get comprehensive coverage for healthcare services up to ₦3 million annually. It covers tests, scans, surgeries, chronic illnesses, vaccinations among others.
• AXA Silver Plan: This mid-range plan provides essential health coverage up to ₦1.5 million annually for individuals and families. Outpatient and inpatient services are covered.
• AXA Bronze Plan: Ideal for basic coverage needs, this plan covers inpatient and outpatient services up to ₦750,000 annually.

LEADWAY HEALTH LIMITED

Leadway Health Limited is a leading HMO that has been at the forefront of making health insurance accessible in Nigeria.

Licensed in 2005, Leadway Health has over 150,000 enrollees under its plans across Nigeria.

Here are some of the top health plans provided by Leadway Health:

• Leadway Gold Plan: This flagship plan offers extensive coverage up to ₦12 million annually. Key benefits include overseas treatment, medical evacuations, maternity cover, dental/optical care, checkups and vaccinations.
• Leadway Affordable Care Plan: With coverage up to ₦1 million annually, this plan provides essential health services for individuals on a budget.
• Leadway Basic Care Plan: Ideal for students and young professionals, this basic plan covers inpatient and outpatient care up to ₦200,000 annually.

Overall, Leadway Health aims to provide customer-centric health insurance services in Nigeria.

LIBERTY HEALTH

Liberty Health is a key health maintenance organization serving the Nigerian populace for over a decade. With a track record of excellent service delivery, Liberty Health has positioned itself as one of the largest HMOs in the country.

Below are some of the major health plans offered by Liberty Health:

• Liberty Basic Care: This plan provides coverage up to ₦600,000 annually for essential inpatient and outpatient services. Ideal for students and young families.
• Liberty Senior Care: Elderly members above 60 years get specialized services like home care, routine checkups, unlimited specialist access under this plan up to ₦1 million annually.

Liberty Health continues to help Nigerians access quality and affordable healthcare through innovative plans.

TOTAL HEALTH TRUST

Total Health Trust is a leading HMO that has pioneered many innovative health plans in Nigeria. Established in 2004, Total Health Trust has over 200,000 enrollees under its various plans across the country.

Some major health plans by Total Health Trust include:

• TotalGold: This plan provides comprehensive coverage up to ₦5 million annually for inpatient and outpatient healthcare.
• TotalBasic: Tailored for people on a budget, this plan provides coverage up to ₦750,000 annually for basic healthcare.
• TotalSeniorCare: Designed for seniors above 55 years, this offers services like home care, free checkups, unlimited access to specialists up to ₦2 million annually.

Total Health Trust also provides tailored plans for SMEs, corporates, expats etc.

METRO HEALTH

Seventh on our list is Metro Health. This HMO provides affordable and flexible health plans for Nigerians. Licensed in 2008, Metro Health has steadily expanded its reach, serving over 80,000 enrollees currently.

Below are some of the notable health plans from Metro Health:

• Metro Saver Plan: For essential healthcare services, this plan provides coverage up to ₦600,000 annually for individuals and families. Inpatient and outpatient services covered.
• Metro Medicare: This plan is designed for retirees above 60 years. It covers home care services, routine checkups, specialist care up to ₦1 million annually.

SOVEREIGN TRUST

Sovereign Trust is a pioneer HMO that was established in 2006 and continues to foster health insurance uptake in Nigeria. Their Head Office is at 17, Adetokunbo Ademola Street, VI, Lagos.

It is accredited by NHIS with a network of over 300 partner hospitals across the country.

Sovereign Trust continues to make health insurance seamless and worthwhile for Nigerians through its affordable plans. They have an excellent customer service and easy access to healthcare.

HEALTHCARE INTERNATIONAL

Still on the list is a reputable health management organization called Healthcare International.

This is a premier health management organization serving Nigerians since 2004. It is recognized for its quality services, extensive provider network and innovative plans.

Some of the major health plans by Healthcare International include:

• Healthcare Royale Plan: This high-end plan provides maximum coverage up to ₦12 million annually for inpatient and outpatient services.
• Healthcare Standard Plan: For comprehensive healthcare, this plan covers hospitalization, tests, chronic care, dental, maternity services up to ₦2 million annually.

PREPAID MEDICARE

Last but not the least, we have Prepaid Medicare. This is a leading indigenous HMO that has been providing easy access to healthcare for Nigerians since 2005.

It currently serves over 80,000 enrollees nationwide.

With a focus on excellent services and harnessing technology, Prepaid Medicare strives to deliver quality, affordable healthcare to every Nigerian through innovative plans.

CONCLUSION

Health insurance penetration still remains low in Nigeria. However, with reputable HMOs like the ones discussed above offering affordable plans, access to quality healthcare is improving.

People and businesses must take advantage of these plans to ensure financial protection against health crises. Choosing the right coverage is key to reaping maximum benefits.