Health Insurance
Your health plan should work as hard as you do.
Out-of-pocket healthcare is not a plan. It is a risk.
Most Nigerians still pay for healthcare entirely out of pocket. A single hospital admission, surgery, or extended treatment can cost hundreds of thousands of naira with no warning and no preparation.
Health insurance does not make you invincible. But it means that when something happens, you already have a plan and the bill is already taken care of.
What does health insurance in Nigeria actually cover?
Basic Plans
(entry-level)-
General outpatient consultations
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Basic laboratory investigations
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Prescription medications (formulary-based)
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Telemedicine and phone consultations
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Emergency care
Standard Plans
(mid-tier)-
Everything in basic plans, plus:
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Specialist consultations
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Diagnostic imaging (X-rays, ultrasound)
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Minor surgical procedures
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Dental care (basic)
Premium Plans
(comprehensive)-
Everything in standard plans, plus:
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Major surgical procedures
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CT scans and MRI
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Chronic condition management
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Advanced neonatal services
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Possible international coverage (plan-dependent)
Exact coverage varies by HMO partner and plan. Your quote will show exactly what is included before you commit.
Whether you are covering yourself or your whole company, there is a plan for you
Individuals
A single plan that covers your outpatient visits, emergencies, and regular medications. Starting from affordable annual premiums, paid monthly or yearly.
Families
Cover your spouse, children, and dependants under one plan. Family plans are priced per person and can usually be extended to parents and in-laws.
Businesses and SMEs
Corporate health plans keep your team healthy and your business productive. Group rates are more affordable than individual cover for each employee.
What does health insurance in Nigeria actually cover?
Coverage depends on your plan tier. Here is what you can expect across different levels.
- You enroll in a plan and pay your premium (monthly or annually).
- You receive an ID card linked to your policy.
- When you need care, visit a hospital in your HMO's network.
- The HMO handles payment directly with the hospital. You do not pay out of pocket for covered services.
- For emergencies, you can seek care at any hospital and submit a claim for reimbursement (plan-dependent).
- Which hospitals are in the network near you?
- Does it cover your specific medical needs (maternity, chronic conditions, dental)?
- What is the annual coverage limit?
- Is there a waiting period before you can make a claim?
Frequently asked questions
Is health insurance compulsory in Nigeria?
Can I use any hospital with my health insurance?
Does health insurance cover pre-existing conditions?
Can I add family members to my plan?
What if the hospital I prefer is not in the network?
Find the right health plan for your life today
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