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The Best HMOs in Nigeria: Top 20 Ranked

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Top 20 HMO in Nigeria

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Searching for the top 20 HMO in Nigeria? Our list of the top 20 ranked HMOs will help you make an informed decision for your healthcare needs.

When it comes to ensuring the well-being of yourself and your loved ones, there is nothing more crucial than having access to quality healthcare.

In Nigeria, Health Maintenance Organizations (HMOs) play a vital role in providing affordable and comprehensive health coverage to individuals and families across the country.

With the rising cost of medical expenses, having a reliable HMO by your side can significantly ease financial burdens and ensure that you receive the necessary healthcare services when needed.

HMOs in Nigeria offer a range of health plans tailored to different needs and budgets, making it easier for everyone to access quality healthcare without breaking the bank.

Top 20 HMO in Nigeria

We are going to highlight the top 20 HMO in Nigeria, dedicated to providing comprehensive and quality healthcare for all individuals and families.

In this article, we will explore the unique features and benefits offered by each HMO, emphasizing their commitment to delivering excellent healthcare services to their members.

Meaning Of HMO In Health Insurance

Let me shed light on an essential aspect of the healthcare industry that can significantly benefit you – Health Maintenance Organisations (HMOs).

These innovative insurance structures are designed to provide top-notch healthcare coverage at an affordable cost.

Here I’ll explain the benefits of HMOs and how they can revolutionize your access to quality medical care.

The Power of HMOs

Health Maintenance Organisations operate by forming extensive networks of healthcare providers, including esteemed physicians, specialists, and primary care physicians.

Through contracts with these healthcare professionals and facilities, HMOs offer a range of services to their members for a fixed monthly or annual fee.

This unique payment structure enables HMOs to offer lower premiums compared to other types of health insurance, all while ensuring high-quality medical care and a reliable network of care providers.

With an HMO, you gain access to an extensive network of doctors and clinical facilities. This means that you can choose from a broad range of healthcare professionals who have passed rigorous quality standards and offer specialized expertise.

Whether you need routine check-ups, preventive care, or specialized treatments, an HMO has you covered!

Nigeria’s National Health Insurance Scheme (NHIS)

Nigeria’s National Health Insurance Scheme (NHIS) is a pioneer in providing affordable and quality healthcare to all Nigerians.

Established in 2004 by the Federal Government, the NHIS ensures easy access to healthcare services through social private health insurance.

This scheme utilizes a common pool of funds contributed by its members, which is then reimbursed to HMOs to cover the medical needs of their members.

While the NHIS offers a reliable avenue for accessing healthcare, a 2018 survey revealed that 97% of Nigerians do not have health insurance.

This indicates that there is a lack of awareness or trust in finding a dependable HMO. However, we are here to change that! Our HMO is committed to providing you with the best healthcare coverage and ensuring your peace of mind.

Unlock Affordable Healthcare Today

Don’t let the fear of high medical costs hinder your access to quality healthcare. HMOs are dedicated to breaking down barriers and making healthcare affordable for all Nigerians.

With an extensive network of healthcare providers and flexible payment options, you can rest assured that your health needs are in capable hands.

Discover the Top 20 HMO in Nigeria

If you are searching for the best HMO in the country, look no further! We have compiled a list of the top 20 HMO in Nigeria that are renowned for their exceptional service and commitment to improving the health and well-being of Nigerians.

Sterling Health HMO

They are a leading provider of health plans that offer comprehensive, affordable, and quality products. As a member of Sterling Health HMO, you have access to a wide range of medical services, including lab tests, preventive programs, quarterly health checks, and even international health plans.

Their commitment to providing holistic care ensures that you receive the support you need at every level of your healthcare journey.

Novo HMO

This HMO prides itself on delivering excellent coordination and efficient delivery of healthcare services. Their health plans are designed to cater to corporate organizations, students, small business owners, domestic staff, and extended family members.

Novo HMO’s partnership with international-class facilities ensures access to quality healthcare for patients with complex medical conditions that cannot be treated locally.

With Novo HMO, you can expect better client engagement, reduced medical errors, and improved clinical outcomes.

Royal Exchange HMO

Their Healthcare acts as a financial intermediary for the healthcare industry, providing flexible and accommodating health plans for its members.

With a wide network of healthcare providers across various states, Royal Exchange HMO ensures that you have access to quality care whenever and wherever you need it.

Their dedication to designing medical health plans that suit your needs makes them a reliable choice for all your healthcare requirements.

Princeton Health Limited HMO

They are committed to ensuring that every individual in Nigeria has unrestricted access to quality medical care. They provide comprehensive healthcare services for individuals, families, and businesses.

Whether you need medical care for yourself or your loved ones, Princeton Health Limited HMO offers generous benefits, freedom of choice, and access to the nearest and best hospitals.

Their round-the-clock responsiveness ensures that you receive timely care whenever you need it.

Defense Health Limited HMO

This HMO is uniquely owned and managed by the Ministry of defense and the Nigerian armed forces. It is dedicated to providing quality healthcare services to all eligible military personnel, whether serving or retired, and their families.

With a widespread network of healthcare providers and professionals, Defense Health Limited HMO ensures that members of the armed forces and their families can access the healthcare they deserve while serving their country.

Hygeia HMO

They are another reputable Health Maintenance Organization in Nigeria that offers health plans suitable for individuals, families, senior citizens, pregnant women, and small to medium-sized businesses.

Partnering with big brands like GTBank, UAC Food, Interswitch, and Shell, Hygeia HMO ensures access to quality healthcare for employees of various organizations.

RedCare HMO

Looking for budget-friendly healthcare plans tailored to your specific needs? Look no further than RedCare HMO. They provide personal healthcare plans for individuals as well as comprehensive packages for families, companies, and parastatals.

RedCare HMO’s One healthcare package covers curative and preventive medicine, employee well-being services, and convenient international healthcare options.

Additional services include corporate and private health plans, clinic services management, pre-employment tests, and drug and alcohol tests.


Owned and managed by medical practitioners and institutional investors, IHMS HMO offers a wide range of health insurance services for individuals, companies, and families.

They provide various health plans, including retail, corporate, group and association, tertiary institution social health insurance, community-based social health insurance, mega health plan, third-party administration health plan, worksite clinic plan, and international health plan.

Health Point HMO

Healthpoint HMO is dedicated to ensuring universal healthcare coverage and making healthcare affordable and accessible to everyone, regardless of age, gender, or socioeconomic status.

As part of their inclusive healthcare initiative, Healthpoint offers free healthcare insurance to widows and orphans in Nigeria.

With subscription packages like standard, PRO, and PRO+, HealthPoint HMO covers a wide range of medical care services and benefits at affordable rates.

Roding HMO

At Roding HMO, they understand that each individual has unique healthcare needs. That’s why they provide quality, timely, and affordable health insurance plans that are well-suited to your specific requirements.

With their extensive experience, expertise, and professionalism, they are committed to ensuring that you receive the highest level of care.

Their health insurance plans are designed to cover a wide range of medical services, including preventive treatments and checkups.

Whether you are an individual or a business owner looking to provide healthcare coverage for your employees, Roding HMO is here to support you every step of the way.

Anchor HMO

This HMO is dedicated to providing easy access to quality health services for both individuals and businesses in Nigeria. Their health plans are designed to meet the diverse healthcare needs of employees from big and small employers alike.

With contracts in place with over 900 clinics and hospitals across the country, Anchor HMO ensures that you have a wide network of healthcare providers to choose from. They strive to make quality healthcare accessible and affordable for all.

Swift HMO

At Swift HMO, they believe that everyone deserves access to comprehensive healthcare services. Their health insurance plans are specially tailored to provide medical cover for individuals and families, including preventive treatments and checkups.

Additionally, they offer healthcare plans for employees of large and small businesses. With Swift HMO, you can rest assured that your healthcare needs are well taken care of, no matter the size of your family or business.

Lifeworth HMO

At Lifeworth HMO, they understand that healthcare expenses can quickly add up. That’s why they offer budget-friendly individual plans that meet your healthcare needs, as well as plans that cover couples, families, corporate organizations, communities, and even international entities.

They strive to provide accessible and affordable healthcare coverage to ensure that you and your loved ones receive the care you deserve without breaking the bank.

AXA Mansard HMO

This HMO is dedicated to providing affordable, flexible, and quality healthcare plans that can be tailored to suit your individual and family needs.

Their plans can also be customized to serve corporate organizations, groups, and employees, or to provide international healthcare coverage.

In addition to healthcare services, AXA Mansard offers a wide range of life and non-life insurance products and services.

Through their subsidiaries, they also provide asset/investment management services, health management services, and pension fund administration.


When it comes to reliable healthcare services, AIICO HMO is one of the foremost HMOs in Nigeria. With a wide network of healthcare centers, AIICO HMO ensures that you have access to premium medical care when you need it the most.

Their team of highly motivated medical professionals is committed to restoring and preserving your health. With clients like Dulfil, WEMA Bank, FEDEX, and the Federal University of Technology Akure (FUTA), AIICO HMO has proven its expertise in the industry.

Healthcare Security Limited HMO

This HMO understands that healthcare should be accessible to everyone, regardless of their income. That’s why they offer health insurance plans that are tailored to meet the needs of individuals and families from all walks of life.

Whether you need an executive plan or a budget-friendly option, Healthcare Security Limited HMO has got you covered.

MetroHealth HMO

They believe that healthcare should be inclusive and diverse, catering to the unique needs of individuals. They offer a range of health plans, including Corporate and Self and Family plans, Sweet Sixties, Metroflexi, and Metro Telemedicine.

From laboratory and diagnostic tests to dental care and pregnancy-related services, MetroHealth HMO ensures that you have access to comprehensive healthcare.

Greenbay HMO

This HMO is committed to providing dependable and affordable healthcare plans for individuals, families, and even employees.

By choosing Greenbay HMO, you can rest assured that your health needs will be taken care of at an affordable price. Their reliable healthcare plans are designed to give you peace of mind while ensuring the well-being of your loved ones.

Total Health Trust HMO

They are a member of Liberty Health in Nigeria, which offers health insurance solutions for corporates and SMEs across Africa.

Their healthcare plans, including Lite, Classic, Classic Critical Care, Plus Africa, and Global Elite, are designed to meet the diverse needs of businesses and their employees. With Total Health Trust HMO, your health becomes their top priority.

Concluding Top 20 HMO in Nigeria

We hope this article has provided valuable insights into the top 20 HMO in Nigeria that are committed to delivering quality healthcare for all individuals and families. Whichever you choose, you can rest assured that you are in good hands. Take the first step towards securing your health and well-being by exploring the health plans offered by these reputable HMOs.

However, by considering factors such as your budget, healthcare needs, and preferences, you can make an informed decision that will provide you and your loved ones with the peace of mind and quality healthcare you deserve.

This article was updated 5 months ago


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