Top 25 HMO Companies In Nigeria (2023 List)

Have you thought about getting an HMO for yourself and your family? So many people in Nigeria do not take the concept of health insurance seriously. Sometimes it’s because they’re ignorant. Personal superstitious views about insurance can also be a hindrance to finding the greatest health insurance package.

In any event, the benefit of health insurance is one that should not be overlooked. So after deciding to opt-in for health insurance, you’ll definitely need to know the best HMO companies in Nigeria so as to obtain the best of services from the very best.

Below is a list of the top 25 HMO companies in Nigeria, as well as the reasons why they are the best HMO companies in Nigeria.

1. Serene Healthcare HMO Company In Nigeria


Serene Healthcare is the leading HMO in Nigeria. They provide affordable health insurance plans for you, your family, and your employees.

Serene Healthcare happens to be the very best HMO company In Nigeria as of 2023. They are known to offer the best and most pocket-friendly services. Below are their various plans

  • Ruby
  • Emerald

2. Royal Exchange Healthcare Services


Royal Exchange Healthcare Limited is a National Health Insurance Scheme (NHIS) health maintenance firm that provides financial intermediation in the health industry. As a result, they serve as a pivot point between enrollees and healthcare providers chosen solely for the quality of their services.

The fundamental function of Royal Exchange Healthcare Limited is to design adaptable and accommodating medical health plans. They provide services across the country and endeavour to provide the highest possible standards in medical services to clients through rigorous continuous quality audits.

3. AIICO HMO Company In Nigeria


This HMO, which has been in operation since 1997, it is one of the best and oldest in the industry. AIICO provides a variety of insurance programmes, including:

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

4. Hygia


Hygia is one of Nigeria’s oldest and most notable HMOs, having over 30 years of experience. Furthermore, despite receiving its license from the National Health Insurance Scheme in 2005, the company has been in operation since 1986. They provide cheap and economical health insurance to Nigerian people through the following plans:

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

Hygia also has a mobile application where you can simply subscribe and manage your subscription. This plan is available for download from the Google Play store. 

5. Reliance HMO


Reliance is a popular HMO company in Nigeria, offering health coverage for both families and businesses. In addition, their HMO services are conveniently available via the Reliance HMO mobile app. Some of the services included in their packages are:

  • Family
  • Parents
  • Business

6. Clearline HMO


Clearline HMO company in Nigeria was founded in January 1994, although it did not begin full operations until 1997 as a National Health Maintenance Organization. Furthermore, Clearline has over 2000 partner hospitals around the country. Their product line includes everything from business health insurance schemes to family/individual policies and tertiary institution health insurance plans.

Address: Clearline is located at 290 Ikorodu Road in Anthony, Lagos.

Contact: 08076490101, 08076490111, 08071010840

7. Hallmark HMO


Hallmark is a popular choice among Nigerians when it comes to the greatest HMOs. They also provide everyone cheap and long-term health care coverage. Among their services are:

  • Corporate plans
  • Retail plans

8. Oceanic Health Management Limited


Oceanic Health Management Limited was founded and licensed by the NHIS in 2007 to provide managed health care to the Nigerian public, with a fully paid share capital of N400,000,000 (Four hundred million Naira).

The NHIS has re-accredited Oceanic HMO Company in Nigeria as one of the few licensed managed health care service providers.

Oceanic Health is renowned as a front-runner in offering managed healthcare services as a life partner. It has always been their mantra to demonstrate a strong sense of responsibility when providing services.

As a result, they are strategically positioned to provide high-quality healthcare to all parts of society.

9. Greenbay HMO


Greenbay HMO specializes in personal, group, and corporate health insurance coverage. They also provide an online platform where you can access your health insurance information anytime. Furthermore, some of the services they provide include:

  • Corporate plans
  • Individual plans

10. Songhai Health Trust HMO 


At Songhai Health Trust HMO, they take pride in being ethical in the provision of managed healthcare services to public and private sector employers/employees, as well as their sizable informal sector population. Their services are given on a prepaid basis in collaboration with a nationwide network of carefully selected healthcare professionals. 

Although its name sounds foreign, it is the 10th best HMO company in Nigeria. In other words, they are actually located in Nigeria

11. Health Point HMO


In Nigeria, Health Point offers free health insurance packages to widows and children. Furthermore, one of the primary advantages of Health Point HMO is its low cost. You can get health insurance for as little as N800. They offer the following packages:

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

12. Pro-Health Ltd


Nigeria Social Insurance Trust Fund formed Pro-Health HMO Ltd in 2008 to provide health insurance to the public and private sectors. Furthermore, Pro Health is NHIS-accredited. The headquarters of the company are in Abuja, with regional offices in Lagos, Ibadan, Enugu, Kaduna, Maiduguri, and Port-Harcourt.

Actually, Pro-Health HMO has a comprehensive range of products and services to fulfill your lifestyle needs. Secondary and tertiary healthcare services are provided in addition to NHIS standard healthcare services.

Contact: 0700776432584 

Head Office: BASSAN Plaza, Plot 759 Independent Avenue Central Business District, Abuja



In Nigeria, this insurance maintenance organization has been in operation since 2001. They are the best at what they do and have the commitment to provide consumers with the highest degree of health and wellness. They also provide the following services: IHMS:

  • Retail health plan
  • Corporate health plan
  • Group and association health plan
  • Tertiary institution social health insurance plan
  • Community-based social health insurance plan

14. Sterling Health Care


Sterling Health MCS is an HMO company in Nigeria that was founded in 2006 and is officially licensed and controlled by the NHIS to deliver healthcare services to enrolled patients using a managed care model.

They are a CAC-registered limited liability company with a paid-up capital of 500 million shares and a highly capable and experienced management team comprised of eminent Nigerians and corporate organizations as major shareholders.

15. Redcare Health Service Limited


Redcare health service limited focuses on offering value to consumers by providing healthcare solutions. Furthermore, the organization is known for going above and beyond for policyholders. Among the services they provide are:

  • Corporate plans
  • Private plans
  • Other plans

16. Metrohealth


Although not as well-known as some of the other options on this list, MetroHealth HMO provides quality health insurance to Nigerian nationals in a variety of packages. Among them are:

  • Individuals
  • Couples
  • Family
  • Business
  • Organizations

17. Mediplan Healthcare Limited


Mediplan Healthcare Limited was founded in 2000 and provides excellent healthcare insurance services in collaboration with leading hospitals. They are also known for providing excellent customer service.

Mediplan provides health insurance to employees and dependents of the Federal Ministry of Works, Federal Ministry of Agriculture, Federal Ministry of Agriculture & Rural Development, and Federal Ministry of Labour & Productivity, in addition to business and private clients.

Furthermore, they provide assistance to police personnel and their dependents in the Nigerian states of Oyo, Osun, and Ondo.

Plans include the following:

  • All purpose Health Plan (APHP)
  • Enhanced Health Plan (EHP)
  • Enhanced Health Plan Plus (EHPP)
  • Ultimate Health Plan (UHP)
  • Super Ultimate Health Plan (SUHP)

18. Total Health Trust Limited


With over 300,000 members, Total Health Trust Limited is the largest HMO company in Nigeria. It is also one of the oldest, having been founded in 1998. Total health provides access to over 500 private hospitals. Additionally, some of their items include:

  • Individuals
  • Family
  • Corporate

19. Swift HMO


Swift HMO has numerous plans in place to address society’s requirements. Similarly, they offer health care programs to both large and small businesses. Swift HMO also operates health of hospitals, clinics, and diagnostic centers in 126 Nigerian cities.

Swift HMO also manages outsourced work site clinics and health centers across the country. They are one of the best HMO companies in Nigeria.

20. Novo Health Care


Novo Health Africa is a national health maintenance organization in Nigeria that provides health care services. NHA retail plans, NHA Corporate Plans, Connect-care, and Connect Travel are among their services and products.

21. Total Health Trust HMO


Total Health Trust HMO was founded in 1997 by three committed doctors with the goal of offering cost-effective healthcare services. THT, on the other hand, began full operation in 1998 with the financial support of Leadway Assurance Company. THT currently serves over 300,000 members, 500 business clients, and government agencies. 

Total Health Trust HMO also received the 2016 Nigeria health care award. It is arguably one of the best HMO companies in Nigeria. They are also known as Liberty Health. THT is a renowned HMO company in Nigeria.

22. Avon HMO


Avon HMO was established in 2012 but did not begin operations until 2013. This HMO company in Nigeria is a subsidiary of the investment firm Heirs Holdings Group. When you enroll in their plan and become ill, Avon HMO pays your medical fees and ensures your full recovery.

Avon offers programs for individuals, couples, families, SME and small groups, businesses and large groups, international coverage, and so on. You may find a list of their providers on their website.

Contact: 0700-277-9800, 01-277-9800 

Physical Address: 29, Rumens Road, Off Bourdillon Road, Ikoyi Lagos, Nigeria 

23. Healthcare International Limited


Healthcare International Limited is a private firm founded in 1997 with the goal of providing quality and cheap health insurance to various segments of the Nigerian community. It is 23rd HMO company in Nigeria on this list

24. Venus Medicare Ltd.


Zenith Bank Group developed Venus Medicare Ltd, an HMO company in Nigeria. Individuals, small employer groups, and major corporate entities in the private sector are served by the corporation. Furthermore, they collaborate with NHIS to establish a social health insurance scheme for employees of the three levels of government.

Emergency services, outpatient services, inpatient services, maternity services, child health services, surgical services, radiological services, eye care, dental care, and other services are provided at the venue.

Physical Address: Wuse 2, Abuja, 2, Atakpame Street, off Ademola Adetokunbo Crescent, opposite Ascon filling station.

Contact: +234 70033330000, +234 7046096878, and +234 7046090877.

25. Defense Military Health Maintenance


The military HMO is also known as DHML. It presently runs 138 healthcare institutions throughout the country. You must enroll in order for enough professional staffing and resources to be made available in both military and supporting facilities.

Furthermore, each member of the Defence Health Maintenance HMO is allocated a primary care provider (PCP).

Location: Plot 1323 Aderemi Adesoji Street, off Samuel Jereton Mariere Road, Gudu District, Abuja.

Contact: +234-8069305886 or +234-7037921025

Detailed List of HMO Companies in Nigeria

Below is a comprehensive list of all the top, major, and reliable HMO companies in Nigeria in 2023.

  1. Serene Healthcare
  2. Mansard Health HMO
  3. Hygeia HMO
  4. Liberty Blue/THT HMO
  5. Multishield HMO
  6. Avon HMO
  7. Redcare HMO
  8. Premier Medicaid HMO
  9. Marina Health HMO
  10. Oceanic Health HMO
  11. Healthcare International HMO
  12. Roding Health HMO
  13. Anchor HMO
  14. Metro Health HMO
  15. Managed Health HMO
  16. United Health International HMO
  17. International Health Mgt. Services HMO
  18. Fidelity Bank HMO
  19. Novo Health Africa HMO
  20. Mediplan Healthcare HMO
  21. Royal Exchange HMO
  22. Sterling Healthcare Services HMO
  23. Songhai Health Trust HMO
  24. Prepaid Medicare Services HMO
  25. Non-Such HMO
  26. MH HMO
  27. Lifeworth HMO
  28. Greenbay HMO
  29. Maayorit HMO
  30. Thebe HMO
  31. Wellness/Investicorp HMO
  32. Pine Wood Medicare PPO
  33. LIfecare Partners
  34. Distinct Healthcare Limited
  35. Metro Health HMO
  36. Swift HMO

Conclusion On Top 25 HMO Companies In Nigeria

Many folks do not take the significant step of locating the top HMO companies in Nigeria and the best health insurance plan. This is because they believe they are excessively restrictive and pricey.

The thing is, these Health Maintenance Organizations offer a wide range of possibilities. There are no excuses for not obtaining health insurance for yourself and your loved ones.

Finally, by choosing the correct HMO, you can safeguard yourself, your family, and your employees against medical crises. As a result, HMOs are a significant part of cost savings and, more crucially, health protection in Nigeria. A thorough list of health insurance companies is already provided in this article.

Click Here TO Contact Serene Healthcare HMO In Nigeria To Make Enquiries

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