Best HMO Companies in Nigeria


The accronym HMO means health maintainance organisation. basically,  Health Insurance essentially covers the basic health medical bills of everyone under the policy. It works by spreading the risk over a group of people like families, or a company. Today, there are several health maintenance organizations in Nigeria that are mediating on behalf of the hospital and patients. Therefore, they are more or less the insurance company holding the policies.


List Of Top HMOs In Nigeria

Here are some of the top HMOs in Nigeria:

1. Hygia HMO

Hygia is one of the oldest and most prominent HMOs in Nigeria, with over 30 years of experience under their belt. Also, although the company received its license from the National Health Insurance Scheme in 2005,

it has been in existence since 1986. They offer cheap and affordable health insurance to citizens in Nigeria across the following plans:

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

Also, Hygia has a mobile application where you can subscribe and manage your plans easily. This plan is available on the google play store. You can visit their official website for more info at



2. Reliance HMO

Reliance is a common HMO service in Nigeria, with health plans across the family and business world. Also, their HMO services are easily accessible through the Reliance HMO mobile application. Some of the services the packages they offer include:

  • Family
  • Parents
  • Business

You can visit their official website at

3. Health point HMO

health point provides free health insurance packages for widows and children in the country. Also, one of the major benefits of health point HMO is their relatively low cost. You can purchase health insurance as low as N800. The available packages under them include:

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

For more information, visit their official website at



This insurance maintenance organization has been in operation in Nigeria since 2001. They are one of the best at what they do and have a mission to deliver the highest level of health and wellness to customers. Also, some of the services they offer include IHMS:

  • 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 for more info at



Aiico multi shield Nigeria is the HMO arm of Aiico insurance company. Having run since 1997, this HMO is one of the best and oldest in the business. AIICO offers several insurance plans, including:

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

For more information, visit their website at



6. Redcare Health Service Limited

Redcare health service limited focuses on providing value through health care solutions to meet the needs of customers. Also, the company is characterized by going above and beyond for policyholders. Some of the services they offer include:

  • Corporate plans
  • Private plans
  • Other plans

In addtiion, you can visit their official website at for more information


7. Hallmark

Hallmark is one of Nigerians top choices for the best HMOs. Also, they provide affordable and long-lasting health care plans for everyone. Some of their services include:

  • Corporate plans
  • Retail plans

Also, you can visit their official website at for more information.


8. Greenbay

Greenbay HMO focuses its services across personal, group, and corporate health insurance plans. Also, they offer an online platform, where you can access your health insurance details at any time of your choosing. More so, some of the services they offer include:

  • Corporate plans
  • Individual plans

In addition, you can visit their website at for more information on their services.


9. Metrohealth

Although not very popular like some others on this list, MetroHealth HMO offers quality health insurance for Nigerian citizens across different packages. Some of them are:

  • Individuals
  • Couples
  • Family
  • Business
  • Organizations

Also, you can visit their official website at for more information.


10. Total Health Trust Limited

Total Health Trust Limited is the largest insurance company in Nigeria, with over 300,000 members. Also, it is one of the oldest, as it was established in 1998. Total health offers you access to more than 500 private hospitals. More so, some of their products include:

  • Individual
  • Family
  • Corporate



In conclusion, with the right HMO, you can protect yourself, your family, and employees against medical emergencies. Therefore, HMOs are an important aspect of saving costs and more importantly, protecting health in Nigeria. You can get a comprehensive list of health insurance firms.


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