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Health insurance companies in Nigeria

Health insurance companies in Nigeria have been the saving grace of many Nigerians as they enable access to medical attention, especially in cases of emergency.

It is common news to hear that one was rushed to a hospital, but, could not be attended to due to the inability to deposit a certain amount of money required by the hospital for the initiation of treatment of a medical issue.

In summary, in Nigeria, many hospitals will not treat nor begin to treat patients without monetary deposits or valid health insurance, hence the need for health insurance companies in Nigeria.

As it were, not many Nigerians can meet either case especially in times of emergencies.

In this post, I am going to introduce you to popular health insurance companies in Nigeria. The post cannot come at a more opportune time because most Nigerians do not have health insurance. Unfortunately, not having health insurance is one, another is not knowing what health insurance is. So, I will explain that briefly.

What is health insurance?

Simply put, health insurance is a type of insurance coverage that typically pays for medicals, surgical, prescription drugs, and sometimes dental expenses incurred by the insured. Health insurance companies are also called health maintenance organisations (HMO).

Now that this is clear, one may wish to ask, how do I go about getting health insurance? Where do I go?

Well, this article will make it easy for you. In no particular order, this is a list of health insurance companies in Nigeria.

National Health Insurance Scheme (NHIS)

The National Health Insurance Scheme (NHIS) in Nigeria was introduced in 2005 to ensure access to good health care services to everyone in Nigeria. The NHIS is a corporate body established under Act 35 of the 1999 Constitution of the Federal Republic of Nigeria.

This was implemented to protect families from financial barriers to health care, and to ensure the availability of funds to the health sector for improved services.

The NHIS plan is one where contributors pool funds together following a pre-payment scheme of a regular standard amount. It is one of the most well-known and most used patterns of healthcare financing around the world. Basically, it involves risk-sharing. This process enables Health Insurance Companies, also known as Health Maintenance Organisations (HMO’s) to attend to individuals, families or groups who require medical attention by paying their medical expenses.

Read Also: List of best hospitals in Lagos

Roles of the National Health Insurance Scheme

1. The regulation of the plans, practices and activities of Private Health Insurance which is operated by Health Maintenance Organisations is done by the NHIS.

2. NHIS is in charge of the management and regulation of all stakeholders in the National Health Insurance Scheme.

3. Ensuring the Universal Health Coverage (UCH), which is one of the objectives of the World Health Organisation (WHO) – a body that Nigeria belongs to – is achieved.

4. The NHIS has a role in ensuring easy access to healthcare service to all Nigerians.

5. The protection of individuals and families from the struggles of getting medical attention due to financial incapacitation.

6. Another duty of the National Health Insurance Scheme is to control increment occurrence in health care services.

7. The NHIS has a role to make sure that even and equal health care costs are spread across diverse individuals and groups in Nigeria.

Read Also: Dance queen, Kaffy to start healthcare insurance scheme for Nigerian dancers

Best health insurance companies in Nigeria

1. AXA Mansard Health Insurance

AXA Mansard is a health insurance company that offers various types of health insurance for individuals, companies, groups, and families across the nation. Just below four hundred health providers including dentists, ophthalmologists, and some hospitals are affiliated to this company.

In 1989, AXA Mansard Insurance PLC was incorporated as a private limited liability company and is also registered as a composite company with the National Insurance Commission of Nigeria (NAICOM).

The health plans at AXA Mansard Insurance include:

  • General Care
  1. Primary/Secondary Dental Care
  2. Out-Patient Care, General, and Specialist Consultation
  3. Admissions (Including Feeding)
  4. General Ward (Unlimited) Minor, Intermediate, Major Surgeries, and Procedures
  5. Prescribed Medicines And Drugs
  6. HIV/AIDS – to the Extent of Diagnosis + Treatment at Free Specialist Centres
  7. Psychiatry
  8. Physiotherapy Session


  • Eye Care
  1. Eye Care (Biennial Optical Lenses – Once in 2 years)
  2. Primary Eye Care Consultation
  3. Examination Simple or Primary Infection
  4. Conditions and Medications
  5. Eye Testing


  • Tests and Screening
  1. X-Rays, Laboratory & Diagnostic Tests
  2. Health Screening at Designated CentresPhysical examination, BMI, Urinalysis, PCV, blood pressure & Genotype
  3. Advanced and Complex Investigations (Including CT Scan, MRI Scan)


  • Immunisations 
  1. NPI Immunizations


  1. Accidents & Emergencies
  2. Evacuation (Home/Hospital to Hospital & Road Side to Hospital)
  3. Intensive Care Services


  • Mother and Child Care
  1. Family Planning ServicesPills, Injectables & Copper IUCDs
  2. Fertility Services (Investigation Only)Counseling, SFA& USS (Up to ? 20,000 only)
  3. Antenatal Care and Delivery (Moratorium Applies)
  4. Well Baby Clinic


  • Address and Contact
    Corporate Head Office
    Plot 1412 Ahmadu Bello Way, Victoria Island, Lago
    Call: 0906 254 7772
    Email: insure@axamansard.com

2. Hygeia HMO

Since 1986, at its initial stage of operations, Hygeia Health Insurance has been one of the top health insurance companies in the nation, Nigeria.

Arguably the best HMO in the country, Hygeia stands out for its prompt and professional customer service delivery, which includes an automated operating system. This experience that is provided to customers and intending customers places this insurance company as one of the top, if not the actual one, of the HMOs in Nigeria.

They have a range of medical options, which cover personal and organisational health demands. This includes the expertise provided by the professionals, such as physiotherapists, dentists, ear, nose, throat (ENT) doctors, and nurses in their network of practitioners.

Hygeia HMO has several health plans that are most befitting to individual needs. Their health insurance plans include:

  • Personal and Family Health Insurance Plan: This health plan covers individuals, families, pregnant women, and senior citizens (those who are elderly).
  • SME Health Insurance Plan: This health plan is primarily for Small and Medium Enterprises. It is divided into two categories, which are HyStarter (this excludes certain health benefits) and HyStarter (Premium) (this includes a wider range of health benefits for SME’s).
  • Corporate Health Insurance Plan: This health insurance plan is designed for large scale organizations. It is also subdivided into categories. There are four subdivisions off the Corporate Plan: HyLite, HyBrid, HyValue, HyEnhanced, and HyLeague. All these have several health areas for large organisations, which they cover.
  • Address and Contacts
    Head Office: 214, Broad Street, Elephant House, Floors 6-8, Lagos Island.
    Contact: 0700-494342-466
    Email: hycare@hygeiahmo.com

3.  Total Health Trust HMO

Total Health Trust (THT) began its operations in the year 1998, even though it was founded in the year 1997. It is one of the top health insurance companies in Nigeria today. In the years 2016 and 2017, Total Health Trust (THT) won the Nigerian Healthcare Excellence Award for Health Maintenance Organisation. This record and more are some of the reasons that this health insurance company is the health maintenance organisation choice to more than 300,000 members that include corporate personnel and government organisations

Over 5,000 NHIS accredited hospitals and clinics all over Nigeria are associated with Total Health Trust HMO. This includes a wide network of more than 1,200 private healthcare providers. Total Health Trust’s association with Liberty Holdings ensures that the partnerships which exist are that with only the leading healthcare professionals in other countries for members on the company’s international plans.

The Total Health Trust Provider Network is made up of a list of medical specialities:

  1. Primary Care Clinics
  2. Secondary/Specialist Care Clinics
  3. Ancillary Services (Laboratories, X-ray centres etc.)

The Total Health Trust HMO’s Specialist panel is made up of the medical specialities such as:

  1. Physicians
  2. Cardiologists
  3. General Surgeons
  4. Neurologists
  5. paediatricians
  6. Obstetricians and Gynaecologists
  7. Orthopaedics
  8. Endocrinologists
  9. Haematologists
  10. Anaesthetics
  11. Dermatologists
  12. Ear, nose and throat (ENT) Specialists
  13. Oncologists
  14. Gastroenterologists
  15. Urologists

This health insurance company offers several health plans. These plans or health benefits are set up to suit individuals and groups based on the peculiarities of the parties. One of these peculiarities is the income bracket. Their plans include:

  1. Liberty health cover
  2. Managed care capitation plans
  3. Sure health informal sector plans
  4. Third-party administration
  5. Value-added services
  6. National Health Insurance Scheme
  • Address and Contacts 
    2, Marconi Road, Palmgrove Estate, Lagos, Nigeria
    Call:24-hour medical emergency assistance, +234 1 448 2105, +234 708 068 7600
    General queries: +234 1 448 2105, +234 708 068 7600
    Email: Membership and Enrolment:thtenrolment@totalhealthtrust.com
    WhatsApp and SMS number: +234 701 367 4541

4. Integrated Healthcare Limited

Integrated Health Care Limited is a Health Management Organisation incorporated in 2000. Integrated Health Care Limited has over 19 years of experience and a highly-skilled workforce. These credentials have placed this health insurance company as a health management organisation as one of the best in Nigeria, having consistently given out quality health care services to customers all around Nigeria.

The health insurance plans at Integrated Healthcare Limited are categorised into the Private Health Insurance and Social Health Insurance.

Under the Private Health Insurance are the following plans:

  • Corporate Plan

Integrated Health Care Corporate Health Plans offers health coverage to members of a group or an organisation with a minimum of five (5) employees. This group of people can have access to this health insurance coverage at a scaled-down cost as the health risk is spread across a larger number of policyholders.

There are five corporate benefits packages namely: Pine, Iroko, Mahogany, Teak and Marble.

Family/Individual Plan

Integrated Health Care Family/Individual Health Plans will provide health coverage for individuals and families. The family plan covers the principal, that is the initial or primary enrollee, a spouse and up to four (4) children. It can also provide health cover for extra dependents.

Further, the family plan has two sub-plans that take into account family lifestyle and income. These are Ebony Extra and Iroko Extra


  • Social Plan

Under the Social Health Insurance, they have the:

  1. Formal Sector Plan: The Formal Sector Social Health Insurance Programme is a social health plan in which the healthcare of employees in the Formal Sector is supported by putting together the financial contributions of employees and employers. The financial contributions cover the health care of the employee, a spouse and four (four) biological children not above the age of 18 years. The Formal Sector Social Health Insurance Programme spreads the health care cost among different income groups and thus making the cost very affordable. Federal government ministries, departments, and agencies, and private organisations (organised private sector) who employ ten (10) or more people can also participate in the programme.
  2. The Tertiary Institutions Social Health Insurance Programme (TISHIP) Plan: The Tertiary Institutions Social Health Insurance Programme (TISHIP) is a social security plan which is focused on providing health insurance for students in tertiary institutions. This is made possible and also paid for from funds put together through the financial contributions of students in that institution. The Tertiary Institutions Social Health Insurance Programme (TISHIP) takes into consideration the concurrent issues encountered by students in trying to access care during the academic session, and also, the potentials of health facilities of the tertiary institutions with the target of making the most of access to good health care services. The Tertiary Institutions Social Health Insurance Programme (TISHIP) plan is offered to both public and private tertiary institutions.
  3. The Community Based Health Insurance Plan: The Community based social health insurance is a plan for a coordinated group of households or individuals, formed on the back of the ethics of helping one another and collectively putting together health risk, in which everyone involved is responsible for its management. Membership in the Community Based Health Insurance Plan is for individuals/families in a community who, by themselves, register to be part of the programme. This can also be based on trade. This scheme is good for professional organisations, associations, schools and faith-based groups.


  • Address and Contacts

Address: No. 19, Jos Street, Area 3, Garki District, Abuja, Nigeria.
Call:Tel: +234 81 4612 0236, +234 90 2000 8294, +234 80 9723 6759
SMS / WhatsApp only: +2348063206121
Email: info@integratedhealthcareltd.com

5. Avon HMO

Avon Health Management Organisation, in 2012, was registered as a Health Management Organisation by the National Health Insurance Scheme (NHIS). However, it began its operations as a health insurance company in 2013. Avon Health Management Organisation is a subsidiary of the Heirs Holdings Group. This health insurance company has health schemes that suit individuals, families, associations, corporate organisations, to fit into your budget while giving you access to the best healthcare services whenever you need it.

Avon Health Insurance Organisation plans  include:

  • Individual

The kind of healthcare that fits your life phase or stage. Be it that you are one who is just out beginning life or you are one already in the mid of your career or you are one who can afford the good things of life, it is of the essence that you will want a very relatively affordable health insurance plan. The individual health plan is created just to suit this need. There are four plans which make it flexible and affordable based on your desire, and also offer benefits from one degree to the other. These include The Life Starter,  The Life Plus, The Premium Life and The Boss Life.

  • Couples

For those who have the one who they want to spend the rest of their lives with and have reached the stage where matrimony and family have begun to peak, the Couples Plan has been specifically defined to suit you. The Couples Plan is carefully put together to prepare you and your spouse for a most healthy union and family.

  • Family

If you are responsible for a family unit of six, which includes, you, your partner and not more than four children that are under the age of 18, then the Family Plan from Avon Health Insurance would suit you just right. To keep everyone under your watch healthy and sound, there is a wide range of plans that would aid and help cater to the healthcare of your family.

  • SME, Cooperative and Small Groups

A sound and healthy workforce can never be underestimated, especially if you are one who is running a small or medium-scale enterprise. The health plans under the SME, Cooperative and Small Groups is an affordable and flexible way for you to show the members of your staff that you care for their health and general wellbeing. This healthcare scheme is prompt and very easy to access.

The plans in this health insurance company’s scheme provide a core set of health care benefits for all and sundry. These health management organisation’s benefits include:

  1. General and Specialist Consultation,
  2. Emergency Care
  3. Routine Laboratory Services
  4. Simple Optical Care.
  5. Physiotherapy
  6. Hospital Admission and feeding
  7. Prescription Drugs
  8. Minor and Intermediate Surgeries


  • Companies, Associations and Large Groups

This is a very carefully designed health management plan for associations, large groups and companies. This caters for those organisations that have up to 30 or more persons.

The level of benefits contained in this plan is at increasing degrees and are of the same quality of convenience and care.

  • International Coverage

Avon Health Management Organisation gives way to various options that enable a merging of local plans with their coverage around the world.

Their International Coverage Plan gives one access to treatment whenever and wherever in the world. Partnering with top-level experts, they deliver global level health care coverage for you.

When you purchase a health insurance plan with Avon HMO, a specially dedicated in-country account manager will be assigned to you. This account manager will be acting as a liaison between you, their healthcare partners and the international healthcare providers.

Additionally, one of the advantages of Avon Health Insurance Company is that even if you don’t find a health care plan that suits your peculiarities, which you may be faced with, they will be happy to help work with you to develop a customized and personalised plan that will meet your needs.

  • Address and Contact

Address: No. 29, Rumens Road, Off Bourdillon Road, Ikoyi Lagos, Nigeria
Call: Contact: 0700-277-9800, 01-277-9800
Email: info@avonhealthcare.com

See Also: Leadway Group seals pact with Nollywood on health insurance

6. AIICO Multi-Shield Nigeria Ltd

In 1997, AIICO Multi-shield Limited began its operations. AIICO Multi-shield Limited is a Health Management Organisation, accredited by the National Health Insurance Scheme (NHIS). Their healthcare services are very affordable, with great personnel and the use of modern-day technology.

AIICO Multi-shield provides health insurance plans to suit individuals across all works of life. Their plans include:

  • Standard plan
  • Executive plan
  • Super executive plan
  • Magnum plan.


  • Address and Contacts

Address: 322, Ikorodu Road, Anthony B/Stop, Anthony Village, Anthony, Lagos.
Call: +23401-2930823,0805MSHIELD (08056744353), 0700AMSHIELD (070026744353)
Email: info@aiicomultishield.com

7. Princeton Health Limited

Established in 1999, Princeton Health Limited is a health insurance company that is a well-trusted link between people and medical care providers. It was incorporated in the year 2000 and has a great track record in being one of the top leaders in health insurance.

They have health plans to suit the lifestyle and status of individuals, families, corporate bodies and groups. These include:

  1. Individual plan
  2. Couples plan
  3. Family plan
  4. Executive plan


  • Address and Contacts

Address: 25, Mogaji Are Road, Opp Vitas Bakery Ring Road, Ibadan, Oyo State.
Call:Contact: 07004004000, 08151205555, 08185955555, 09060005674
Email: info@princetonhmo.net

8. Defence Health Maintenance Ltd.

Defence Health Maintenance Ltd has 138 healthcare facilities operating across Nigeria. Defence Health Maintenance Ltd, also known as DHML is known as the Military Health Maintenance Organisation.

Known for its exceptional track record which has spanned over twelve years, Defence Health Maintenance Limited has its offices in 23 states of the nation. This helps it to maximally utilise the quality healthcare providers across the federation.

  • Address and Contacts

Address: Plot 1323, Aderemi Adesoji Street, Off Samuel Jereton Mariere Road, Gudu District, Abuja.
Call: Contact: +234-8069305886, +234-7037921025
Email: For Complaints:complaints@dhmlnigeria.com
For Enquiries:enquiry@dhmlnigeria.com

9. Mediplan Healthcare Limited

Mediplan Healthcare Limited offers awesome healthcare insurance services, some of which are the best in the country alongside the best hospitals. Mediplan Healthcare Limited is a health insurance company which was registered in 2000. They are notable for taking good care of their subscribers.

Mediplan Healthcare Limited has health care insurance plans for corporate and individual clients. Additionally, Mediplan Healthcare Limited also provides health cover for the staff and dependents of the Federal Ministry of Works, Federal Ministry of Agriculture & Rural Development, Federal Ministry of Agriculture, and Federal Ministry of Labour & Productivity all in Nigeria.

This health insurance company has health care schemes which include:

  1. All-purpose Health Plan (APHP)
  2.  Enhanced Health Plan (EHP)
  3. Enhanced Health Plan Plus (EHPP)
  4. Ultimate Health Plan (UHP)
  5. Super Ultimate Health Plan (SUHP)


  • Address and Contacts

Head Office:
Capital Building, 2nd & 3rd floors, 332, Ikorodu Road, Idiroko Bus Stop, Maryland – Lagos.
08159394380, 08159394352, 08159394358, 08159093813, 08159394375, 08159394377, 08159394356, 08150869573, 08159093814
Email: mediplan@mediplanhealthcare.com

10. Clearline International Limited (HMO)

Clearline International Limited is one health insurance company in Nigeria that started running its operations fully in 1997 as a health insurance company also known as National Health maintenance organisation.

Having over 2000 hospitals it is in partnership with, Clearline International Limited provides health insurance plans to families, individuals and also corporate groups.

Their schemes include:

  1. The corporate health insurance scheme
  2. Family/Individual policy
  3.  Tertiary Institution health insurance plan


  • Address and Contacts

Physical Address: Clearline House, 290 Ikorodu Road, Anthony, Lagos.
Phone: 08076490101, 08076490111, 08071010840

Read Also: List of best hospitals in Lagos


This is a list of my health insurance companies in Nigeria.

As you can know, health they say is wealth. When you have good health, you can have all the energy you need to make all the wealth you want.

However, gaining access to health is sometimes difficult because nobody plans to be ill and treatment can be very exorbitant.

This is the sole reason we have various cases where doctors refuse to treat a patient.

Well, there’s a solution to every problem in the form of health insurance. So, when health emergencies arise, you don’t need to worry about how to handle them because HMOs are here to solve that problem for you.

In case you know about some other HMOs that haven’t been listed above. Feel free to post them in the comment section.

Finally, the post is for information purposes only and does not constitute endorsement or recommendation. Use your discretion at all times.

Jenny M
Jennifer Madunagu is a diction/phonetics instructor and also a creative writer. She loves seeing movies and enjoys reading books. To follow Jennifer Madunagu - Twitter: @Jmadunagu


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