40 Valid Best HMO In Nigeria 2023 [Tested And Confirmed]

These are some of the Best HMO in Nigeria, and they play a crucial role in the healthcare industry. However, they are responsible for coordinating and managing the delivery of medical services to patients.

HMOs have been around for several decades and have evolved over time to provide a range of services that help patients access the care they need cost-effectively and efficiently.

In this blog post, we’ll take a closer look at what HMOs are, how they work, and the advantages and disadvantages of using this type of healthcare delivery system.

Whether you’re a patient, a healthcare provider, or just interested in learning more about HMOs, this post will provide you with the information you need to understand this vital aspect of healthcare.

Often time, seekers of quality healthcare services are usually faced with questions like:

• Which is the best HMO in Nigeria?
• which HMO is the best in Nigeria?
• What is the Best HMO Health Insurance in Nigeria?
• Best HMO in Nigeria 2023?
• Top HMO in Nigeria?
• HMO for pregnancy in Nigeria?

If you are one of such people you will find this topic on top HMOs in Nigeria particularly helpful.

However, in the current healthcare landscape, HMOs play an increasingly important role in providing comprehensive and accessible medical services to millions of patients.

From offering a network of participating providers to managing costs and ensuring quality care, HMOs are designed to help patients navigate the complexities of the healthcare system.

Apparently, in this blog post, we will dive deeper into the history and evolution of HMOs, as well as explore the different types of HMOs available today.

Also, We will also examine the advantages and disadvantages of using an HMO, and provide insight into what the future of HMOs may look like.

Whether you’re considering enrolling in an HMO or want to learn more about this type of healthcare delivery system, this post is for you.

Lastly, , you will have a better understanding of the role HMOs play in healthcare and the impact they have on patients and the industry as a whole.

What is Health Management Organization (HMO)

According to Investopedia, the health maintenance organization (HMO), is an insurance structure that provides coverage through a network of physicians.

An individual who needs to secure health insurance may find a variety of insurance providers with unique features. One type of such insurance provider that is popular in the Health Insurance Marketplace is the HMO.

History and Evolution of HMOs

The history of Health Management Organizations (HMOs) dates back to the early 1900s when they were first established as a way to provide affordable healthcare to industrial workers.

The concept of HMOs was based on the idea of prepaid medical care, where a group of individuals would pool their resources to pay for medical services.

Over time, HMOs evolved and became a popular alternative to traditional fee-for-service insurance plans, especially for individuals who did not have access to employer-sponsored insurance.

In the 1970s, the government introduced legislation to encourage the growth of HMOs, including the Health Maintenance Organization Act of 1973.

This legislation provided financial incentives for HMOs and established guidelines for the delivery of medical services.

Over the next several decades, HMOs grew in popularity and became a dominant force in the healthcare industry, offering a wide range of medical services to patients.

Clearly, HMOs are now one of the most popular types of healthcare delivery systems, offering comprehensive medical services to millions of patients.

However, They have been successful in controlling costs, improving the quality of care, and providing access to a network of participating providers.

Despite some challenges, including restrictions on access to certain medical services, HMOs remain a popular choice for individuals who are looking for an affordable and efficient way to receive medical care.

In conclusion, the history of HMOs is a testament to the evolution of healthcare delivery systems and the role HMOs play in providing comprehensive and accessible medical services to patients.

Undoubtedly, the future of HMOs remains uncertain, but their impact on the healthcare industry is undeniable, and they continue to play an important role in the lives of millions of patients.

Types of HMOs

There are different types of Health Management Organizations (HMOs) available to patients today, each with its own unique features and benefits.

The most common types of HMOs include

• Traditional HMOs
• Point-of-service (POS) plans
• Preferred provider organizations (PPOs).

Traditional HMOs are one of the original forms of HMOs and typically require patients to choose a primary care physician (PCP) who is responsible for coordinating their care.

Patients must see their PCP before they can see a specialist, and they must receive referrals from their PCP to receive certain medical services.

Similarly, Point-of-service (POS) plans are like traditional HMOs, but they offer more flexibility for patients to receive care from out-of-network providers.

Patients typically pay a higher fee for seeing an out-of-network provider, but they have the option to receive care from a provider outside of the HMO network if necessary.

Preferred provider organizations (PPOs) are another type of HMO that offers patients access to a network of participating providers.

Unlike traditional HMOs, PPOs do not require patients to choose a PCP, and they typically do not require referrals for certain medical services.

Furthermore, PPOs also offer more flexibility for patients to see out-of-network providers, but they typically require patients to pay a higher fee for this type of care.

In conclusion, there are several different types of HMOs available, each with its own unique features and benefits. Patients should consider their specific healthcare needs, budget, and personal preferences when choosing an HMO.

It’s important to compare different types of HMOs and understand the advantages and disadvantages of each type to determine which type of HMO is the best fit for their needs.

How HMOs work

Health Management Organizations (HMOs) play a crucial role in coordinating and managing the delivery of medical services to patients.

HMOs work by establishing a network of participating providers, including primary care physicians (PCPs), specialists, hospitals, and other healthcare providers.

Patients choose an HMO and select a PCP, who is responsible for coordinating their care and providing referrals to specialists as needed.

One of the key features of HMOs is cost-sharing, which involves splitting the cost of medical services between the patient and the HMO. HMOs typically negotiate lower rates with participating providers, which results in lower costs for patients.

Patients are also responsible for paying copays, deductibles, and co-insurance for certain medical services, which helps to control overall healthcare costs.

In addition to cost-sharing, HMOs also focus on coordinating care for patients.

HMOs encourage patients to receive preventive care, such as annual check-ups and screenings, and they work closely with participating providers to ensure that patients receive appropriate and effective medical treatment.

This coordination of care helps to improve the quality of care for patients and prevent unnecessary medical procedures and treatments.

Understanding how HMOs work and the benefits they provide is crucial for individuals who are looking for an affordable and effective way to receive medical care.

Advantages of HMOs

One of the main advantages of Health Management Organizations (HMOs) is their ability to provide comprehensive and accessible medical services to patients.

HMOs typically offer a wide range of medical services, including preventive care, diagnostic tests, and specialty care, through a network of participating providers.

This allows patients to receive all of their medical needs in one place, which can be more convenient and cost-effective than seeing multiple providers.

Another advantage of HMOs is their focus on preventive care. HMOs encourage patients to receive regular check-ups and screenings, which can help to detect and treat health problems before they become more serious.

Preventive care also helps to reduce overall healthcare costs by preventing the need for more expensive medical procedures and treatments.

HMOs also offer patients access to a network of participating providers, which can be a major advantage for individuals who are looking for a particular type of specialist or healthcare provider.

HMOs work closely with participating providers to ensure that patients receive appropriate and effective medical treatment, and they provide referrals to specialists as needed.

Finally, HMOs typically offer cost savings for patients. HMOs, negotiate lower rates with participating providers, which can result in lower costs for patients.

In addition, HMOs typically have lower out-of-pocket costs for patients, including copays, deductibles, and coinsurance, compared to traditional fee-for-service insurance plans.

In conclusion, HMOs offer several important advantages for patients, including comprehensive and accessible medical services, a focus on preventive care, access to a network of participating providers, and cost savings.

Understanding these advantages can help individuals make informed decisions about their healthcare and choose the best HMO for their needs.

Disadvantages of HMOs

Health Management Organizations (HMOs) also have certain limitations and drawbacks that individuals should consider before choosing this type of healthcare plan.

One of the main limitations of HMOs is the limited choice of providers. HMOs only offer access to a network of participating providers, which may not include all of the providers that an individual wants to see.

Patients may need to switch providers or travel to receive medical treatment from a provider who is not in their HMO network.

Another drawback of HMOs is the requirement to choose a primary care physician (PCP). Patients must see their PCP before they can see a specialist, and they must receive referrals from their PCP to receive certain medical services.

This can be a disadvantage for individuals who prefer to see specialists directly or who do not want to see a PCP for every medical issue.

HMOs also typically have more restrictions on medical services and treatments than traditional fee-for-service insurance plans. Patients may need to obtain pre-authorization or follow certain medical protocols before they can receive certain treatments or procedures.

HMOs may also limit the availability of certain treatments or procedures based on their cost and effectiveness.

In conclusion, HMOs have several limitations and drawbacks, including limited choice of providers, the requirement to choose a PCP and restrictions on medical services and treatments.

Individuals should consider these factors when choosing an HMO and understand the advantages and disadvantages of this type of healthcare plan.

It’s important to compare different types of HMOs and understand the benefits and limitations of each type to determine which HMO is the best fit for their needs.

The future of HMOs

When it comes to choosing a Health Management Organization (HMO), it’s important for individuals to understand their options and consider the factors that are most important to them.

One of the key factors to consider when choosing an HMO is the network of participating providers. Individuals should check to see if their current providers are in the HMO network, or if they will need to switch providers to participate in the HMO.

It’s also important to consider the size and scope of the HMO network, as well as the location of participating providers.

Another factor to consider when choosing an HMO is the cost of medical services and treatments. Individuals should compare the cost of copays, deductibles, and coinsurance, and compare the overall cost of different HMOs.

It’s also important to consider any out-of-network costs, such as the cost of receiving medical treatment from providers who are not in the HMO network.

The focus on preventive care and the availability of medical services and treatments is another important factor to consider when choosing an HMO.

Individuals should compare the types of preventive care and treatments that are covered by different HMOs, and understand any restrictions or requirements for obtaining certain treatments.

Finally, it’s important to consider customer service and support when choosing an HMO.

The future of HMOs Continues

Individuals should compare the customer service and support provided by different HMOs, including the availability of online tools and resources, and the responsiveness of customer service representatives.

In conclusion, choosing an HMO requires careful consideration of several factors, including the network of participating providers, cost of medical services and treatments, focus on preventive care, availability of medical services and treatments, and customer service and support.

By understanding these factors and comparing different HMOs, individuals can choose the best HMO for their needs and ensure that they receive the best possible healthcare.

List of Best HMO in Nigeria

1. AIICO Multishield Healthcare

AIICO Health Limited is a leading Health Management Organization (HMO) in Nigeria, established in 2001. The company provides a range of healthcare services, including access to a network of participating providers, preventive care, and medical treatments.

With its extensive network of participating providers, AIICO Health offers individuals access to some of the best healthcare facilities and providers in the country.

AIICO Health places a strong emphasis on preventive care, with regular check-ups, health screenings, and vaccinations offered to its members.

The company also provides customers with access to resources and tools, including an online portal, customer service representatives, and a mobile app, to help them navigate their healthcare needs.

Another aspect that sets AIICO Health apart is its commitment to customer service and support.

The company’s knowledgeable and friendly customer service representatives are always available to help individuals understand their healthcare options and ensure that they receive the best possible care.

In conclusion, AIICO Health Limited is a reliable and comprehensive HMO that offers individuals a high level of access to quality healthcare services and providers.

With its focus on preventive care, an extensive network of participating providers, and commitment to customer service and support, AIICO Health Limited is a top choice for individuals who are looking for a high-quality HMO in Nigeria.

Clients of AIICO Health Limited are Dulfil, WEMA Bank, FedEx, the Federal University of Technology Akure (FUTA), etc.

Address – 322, Ikorodu Road, Anthony B/Stop, Anthony Village, Lagos.

Phone No – 01-2930823, 08160000774

Email – [email protected]

2. Anchor HMO

Anchor Health Management Organization (HMO) is a leading healthcare provider in Nigeria. The company was established with the goal of providing affordable and accessible healthcare services to individuals and families across the country.

It offers a range of healthcare services, including access to a network of participating providers, preventive care, and medical treatments.

This particular HMO is known for its focus on preventive care, which includes regular check-ups, health screenings, and vaccinations. This approach helps individuals maintain good health and avoid more serious health problems in the future.

Anchor HMO also provides its members with access to a wide range of healthcare services, including specialist consultations, diagnostic tests, and treatments.

The company is committed to providing high-quality customer service and support.

Anchor HMO provides its members with access to knowledgeable customer service representatives, who are always available to answer questions and help individuals navigate their healthcare needs.

In conclusion, Anchor HMO is a reliable and comprehensive healthcare provider in Nigeria that offers individuals a wide range of healthcare services and support.

With its focus on preventive care, the extensive network of participating providers, and its commitment to customer service and support, Anchor HMO is a great choice for individuals who are looking for a high-quality HMO in Nigeria.

Anchor HMO is servicing over 900 clinics/hospitals nationwide.

Address – Goldcrest Plaza, Km 23 Lekki – Ajah Express Way, Ikota First Gate, Lekki, Lagos, Nigeria.

Email – [email protected]

Phone No – +234 8031230306, 07080601192, 07058890062

3. Avon HMO

Avon HMO (Health Maintenance Organization) is a provider of health insurance services.

However, it offers various health insurance plans designed to meet the needs of individuals, families, and businesses. These plans provide access to quality medical care and treatments at a lower cost.

This HMO contracts with a network of healthcare providers to ensure that its clients have access to the best medical care possible.

The company also provides additional benefits such as wellness programs, telemedicine services, and disease management programs.

With Avon HMO, clients can feel secure knowing that they have access to affordable and quality health insurance coverage.

Address – Head Office: 2nd Floor, Afriland Towers, 97/101 Broad Street, Lagos, Nigeria.

Email – [email protected]

Phone No – 0700 277 9800

4. AXA Mansard Health Limited (AMHL)

AXA Mansard Health Limited (AMHL) is a subsidiary of AXA Mansard Insurance Plc, a leading insurance company in Nigeria. AMHL is focused on providing high-quality health insurance services to individuals, families, and organizations.

However, the company offers a range of health insurance plans designed to meet the diverse needs of its clients.

Apparently, these plans provide access to quality medical care and treatments at a lower cost, giving clients peace of mind and financial security.

In addition to traditional health insurance services, AMHL also offers wellness programs, telemedicine services, and disease management programs to help its clients maintain good health.

With its commitment to delivering exceptional customer service and providing affordable and accessible health insurance coverage, AMHL is a trusted name in the Nigerian health insurance market.

Address – AXA MANSARD INSURANCE PLC. PLOT 1412, AHMADU BELLO WAY, VICTORIA ISLAND, LAGOS

Email – [email protected]

Phone No – 0815 064 9610

Ussd code – *987#

5. Clearline International HMO

Clearline International HMO is a Nigerian health maintenance organization (HMO) that offers a range of health insurance plans designed to meet the diverse needs of its clients.

These plans provide access to quality medical care and treatments at a lower cost, giving clients peace of mind and financial security.

In addition to traditional health insurance services, Clearline International HMO also provides wellness programs, telemedicine services, and disease management programs to help its clients maintain good health.

With its extensive network of healthcare providers, Clearline International HMO ensures that its clients have access to the best medical care possible.

The company’s commitment to delivering exceptional customer service and providing affordable and accessible health insurance coverage has made it a trusted name in the Nigerian health insurance market.

CLEARLINE HOUSE: – 290 Ikorodu Road, Anthony. Lagos.

Email –  [email protected]

Phone No – (0700-253275463), O1-4482520

6. Defence Health Limited

Defence Health Limited HMO is a leading health maintenance organization (HMO) in Nigeria. The company provides health insurance services to individuals, families, and organizations.

Its mission is to ensure that clients have access to quality medical care and treatments at a lower cost.

This HMO offers a range of health insurance plans designed to meet the diverse needs of its clients. These plans provide access to a network of healthcare providers and facilities, ensuring that clients receive the best medical care possible.

In addition to traditional health insurance services, the company also provides wellness programs, telemedicine services, and disease management programs to help clients maintain good health.

With its focus on delivering exceptional customer service and providing affordable and accessible health insurance coverage, Defence Health Limited HMO is a trusted name in the Nigerian health insurance market.

Address – Plot 1323, Adesoji Aderemi Street, Off Samuel Jereton Mariere Road, Gudu District Abuja.

Email – [email protected]

7. Fidelity Bank HMO

Fidelity Bank HMO (Health Maintenance Organization) is a subsidiary of Fidelity Bank, one of the leading financial institutions in Nigeria. It was established to provide quality and affordable healthcare services to its clients.

However, the organization provides a range of health insurance options that cater to the needs of individuals, families, and organizations.

Furthermore, Fidelity Bank HMO offers a comprehensive range of health services, which include preventive care, diagnostic services, and treatment services.

In addition, the organization has a vast network of healthcare providers, including hospitals, clinics, and pharmacies, ensuring that its clients have access to quality healthcare services at all times.

Fidelity Bank HMO places a strong emphasis on preventive care and encourages its clients to take proactive measures to maintain their health.

Importantly, the organization provides health education and wellness programs to promote healthy living and prevent illnesses.

Fidelity Bank HMO is committed to providing excellent customer service, and its clients can access health insurance services 24/7 through its online platform or by visiting any of its branches nationwide.

With its commitment to providing quality and affordable healthcare services, Fidelity Bank HMO has become a trusted name in the health insurance industry in Nigeria.

Address – 2 Kofo Abayomi Street, Victoria Island, Lagos Nigeria

Email – [email protected]

8. Greenbay HMO

Greenbay HMO provides trustworthy healthcare plans that are guaranteed to effectively cover the medical requirements of you, your family, and your employees.

By choosing Greenbay HMO, you can be confident that you will receive reliable healthcare plans for you and your family as well as give your workforce access to the greatest medical care available in Nigeria.

Address – Greenbay Healthcare Services Limited
9, Odunuga Street, Opebi Ikeja, Lagos State.

Email –  [email protected]

Phone No –  +234 070047336229 

9. Hallmark HMO

When searching for the best HMOs in Nigeria, Nigerians frequently choose Hallmark HMOs. They also offer a range of affordable and quality health insurance.

Corporate health insurance and plans for retail are among the services they offer.

Address – 264, Ikorodu Road, Obanikoro, Lagos

Email – [email protected]

Phone No – 0700 42556275466

10. Healthcare International HMO

A private organization called Healthcare International Limited was established in 1997 with the goal of offering various segments of the Nigerian population high-quality and fairly priced health insurance.

The company is owned by some of the leading insurance companies in Nigeria namely: AIICO INSURANCE PLC, COSMIC INSURANCE BROKERS, CUSTODIAN & ALLIED INSURANCE PLC, FEMI JOHNSON & CO., LASACO ASSURANCE PLC, NICON INSURANCE CORPORATION, NIGER INSURANCE PLC, and OMIS INVESTMENT LTD.

Address – 296 Herbert Macaulay Way, Sabo-Yaba, Lagos

Phone No – +234 1 448 9821, +234 703 000 9099

11. Healthcare Security Limited

Healthcare Security Limited HMO provides affordable health insurance plans designed to meet the needs of you and your family members regardless of income level.

They provide a variety of programs, including Executive, Standard, Budget Plus, and Budget Plan.

Address – Central Business District, Abuja

Email – [email protected]

Phone No – +234-265945868

12. Hygeia HMO Limited

Another credible health maintenance organization in Nigeria that you can use to access your share of the country’s healthcare system is called Hygeia HMO.

Since Hygeia HMO offers health insurance for everyone, including individuals, families, older people, pregnant women, and small and medium-sized businesses, everyone can benefit from the health plans they offer.

Employees of small, medium-sized, or SMEs can get health care through Hygeia, which has worked with well-known companies including GTBank, UAC Food, Interswitch, Shell, Emzor, Multichoice Nigeria, etc.

Address – Head Office, 6th Floor, Elephant House. 214, Broad Street, Lagos Island.

Email – [email protected]​

Phone No – 0700- 494342- 466

13. International Health Management Services HMO (IHMS)

Medical practitioners and institutional investors control and manage the IHMS (International Health Management Services) HMO. It offers social health insurance, family health care, health insurance services, and private health insurance to people, businesses, and families.

Also, retail health plans, corporate group, and association health plans, tertiary institution social health insurance, community-based social health insurance, mega health plans, third-party administration health plans, worksite clinic plans, and international health plans are some of the health plans provided by IHMS HMO.

Address – 2, Joseph Street, off Broad Street, Lagos.

Email – [email protected]

Phone No – + (234) 812 101 0100

14. Integrated Healthcare HMO

Another HMO provider in Nigeria is Integrated Healthcare Limited, which started doing business in 2000. Your health needs are met by IHC, allowing you to lead a happy life.

The available options are

• Corporate,
• family,
• individual,
• formal sector,
• The Tertiary Institutions Social Health Insurance Programm (TISHIP)
• community-based health insurance plans

Physical Address: No. 19, Jos Street, Area 3, Garki District, Abuja, Nigeria.

Email – [email protected]

Tel: +234 81 4612 0236, +234 90 2000 8294, +234 80 9723 6759

15. Liberty Health Nigeria/THT HMO

THT helps make healthcare work in Nigeria. They enable their customers to access affordable, reliable healthcare and they support healthcare providers in their efforts to deliver it. They manage healthcare so that customers and partners can thrive.

THT, one of Nigeria’s leading Health Maintenance Organisations (HMO) was founded in 1997 and commenced operations in June 1998.

However, the unrivaled over 21-year industry track record has seen them build a formidable reputation in Nigeria and we remain the HMO of choice for over 300,000 members, over 500 corporate clients, and government institutions.

Also, they have one of the largest networks of independent service providers, made up of over 1200 private and more than 5000 NHIS-accredited clinics and hospitals throughout Nigeria.

However, they know your life may depend on this network, they continuously monitor service providers and ensure that promptly pay for their services.

More on THT HMO

This commitment to supporting their healthcare providers professionally and financially has made them the trusted HMO for most hospitals and clinics in Nigeria.

THT’s success as a leading HMO in Nigeria resulted in the company being acquired by Liberty Holdings of South Africa, a pan-African financial services provider.

The investment by Liberty Holdings brought in an improved administration capacity, technology, and expertise to support and augment THT’s proven experience in this area.

Another key development resulting from the investment was the introduction of an innovative and unique fee-for-service health insurance product, Liberty BLUE Health Insurance, with options ranging from local cover to worldwide cover, which complement the Managed Care Plans traditionally offered by THT.

With over 200 staff operating out of the head office in Lagos and 10 branches in other parts of the country, THT has the capacity to deliver excellent service, underpinned by a solid infrastructure, a clear vision for the future, and a dynamic international team to help get them there.

Address – 2 Marconi Road, Palmgrove Estate, Lagos, Nigeria

Email – [email protected]

Phone No – +234 1 448 2106

16. Lifecare Partners Limited

Lifecare Partners Limited is a National Health Insurance Scheme (NHIS) accredited Health Maintenance Organization (HMO/70) that has been registered to carry out healthcare business all over Nigeria.

The company is fully recapitalized at N400, 000,000.00 (Four Hundred Million Naira) in compliance with recent NHIS requirements.

They are set up to add value to the quality of life of every client by efficiently coordinating the financing and delivery components of healthcare services.

To achieve this, they have designed a number of health plans to meet the various needs of the clients and have a well-thought-through compensation package for the various providers on their network who will be involved as partners in the delivery of qualitative healthcare services to clients.

Furthermore, Lifecare Partners Limited is an NHIS-accredited HMO in Nigeria that utilizes an innovative approach to the delivery of excellent healthcare and health insurance services to individuals, families, and companies.

They offer robust health plans tailored specifically to meet your needs with significant healthcare cost savings and general health benefits guaranteed.

Address – 123a, Bisi Obadina Street, Omole Estate Phase 1, Ikeja, Lagos, Nigeria

Email – [email protected]

Phone No – +2347000888899

17. Lifeworth HMO

Lifeworth HMO offers family, corporate, community, private, and international health insurance policies as well as affordable individual health insurance plans that match your needs.

Mission

To make life count by proactively adding value through a credible and efficient service with a sustained culture of compassion.

Vision

To be the preferred HMO in Nigeria with exceptional service delivery to its stakeholders.

Values

Integrity | Leadership | Empathy | Innovation

Address – 13, Bishop Street, Off Coker Roundabout, Ilupeju, Lagos.

Email – [email protected]

Phone No – 0811 388 1122, 0809 111 1760, 0811 377 1122

18. Maayorit HMO

Maayorit is a Health Maintenance Organisation incorporated in 2000 by reputable Nigerians with vast and creditable experience in various facets of human endeavor with the sole objective of rendering good quality healthcare to public and private sector groups.

Also, they are accredited by the National Health Insurance Scheme (NHIS)

Vision
To create a nation where quality healthcare services will be made available on the basis of needs and not cost to everyone at all times.

Mission
The mission is to provide various quality healthcare financing programs for diverse contributors as beneficiaries by partnering with a network of highly professional practitioners in the healthcare sector.

Address – Opposite G.S.S Maraba, along old Jebba road, Ilorin Nigeria

Phone No – +2348058026841

Email – [email protected]

19. Marina Medical Services HMO

Staying healthy and being useful to the family and community have always been of paramount importance in the set of values of the average Nigerian individual.

However, economics and the realities of socialized medical care have created a literally unhealthy situation with the inexorable rise in the cost of living, resulting in healthcare becoming expensive, what with the increase in doctors’ fees, hospital treatment, and medicine, not to mention the hazards of being refused admission due to lack of funds to pay the deposit.

Because disposable income shrinks in response to the demands of larger cash outlay for basics, even the budgeting of this income for health care invariably becomes insufficient when emergencies arise.

Thus, prolonged hospitalization causes distress when the bills start piling up.

To answer the unending rise in the cost of medical services, the concept of a Health Maintenance Organization surfaced with a comprehensive prepaid healthcare membership program that would cover all the health needs of an individual.

Now, Nigerian can enjoy comprehensive year-round health care, from out-patient consultation to hospitalization, and full-scale medical management – for a pre-determined fee, which because of the economics of scale and integration of key services and facilities, results in a monthly expense that is reasonable and affordable.

MMSL ensures the continued success and impact of the prepaid health care concept by applying innovative techniques to cost control, tempered with sound management experience and expertise.

A high-powered and winning formula in any language.

Address – 5, Abeo Street, Western Avenue,
Surulere, Lagos

Email – [email protected]

Phone No – +234-1-7612320, +234-1-7250329

20. Mediplan HMO

Since its incorporation in 2000, Mediplan Healthcare Limited has provided excellent healthcare insurance services in conjunction with top institutions.

Additionally, they are renowned for providing excellent customer service to their clients.

In addition to serving corporate and private consumers, Mediplan also offers health insurance to the personnel and dependents of the Federal Ministries of Works, Agriculture, Agriculture & Rural Development, and Labour & Productivity.

Their assistance is also available to Police officers, and their dependents in the Nigerian states of Oyo, Osun, and Ondo.

Plans include:

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

Address – Capital Building, 2nd & 3rd Floors, 332, Ikorodu Road, Idi – Iroko Bus-stop, Maryland, Lagos – Nigeria

Email – [email protected]

Phone No –  08159394380, 08159394375, 08159394377.

21. MetroHealth HMO

The MetroHealth HMO provides a high-quality, personal health plan.

This inclusive and broad HMO offers a variety of healthcare services created to meet the needs of various patient groups.

Corporate, Self And Family Plan, Sweet Sixties, Metroflexi, and Metro Telemedicine are among the available health plans.

The medical needs covered by MetroHealth’s health plans include dental care, pregnancy, HIV and AIDS care, laboratory and diagnostic testing, and so on.

Address – Head Office: 14th Floor, St. Nicholas House, 26 Catholic Mission Street, Lagos, Nigeria.

Email –

[email protected]

Phone No – (+234) 01 460 6790, (+234) 01 631 0038

22. Multiplan HMO

They strive to meet and exceed customers’ expectations, interested parties, and applicable statutory and regulatory requirements with regard to the provision of marine security, logistics, and offshore equipment construction services.

However, they Specialize in Maritime Offshore Transport, Logistics, and Security. They also offer security escort services to major players in the oil & gas industry.

Vision
The vision is to identify and develop a mutually rewarding business relationship with leading commercial marine/vessel manufacturers across the globe that shares and can progressively contribute to our becoming the leading force in the industry and use such relationship to provide dependable value-added services that are globally competitive and ensure adequate return on capital employed.

Mission
The mission is to constantly survey the industry in order to achieve a speedy identification and discovery of new trends and resources while establishing strategic partnerships that will synergistically propel it to become the industry leader in the shortest time.

Objectives
They have pride in the standard they have set and they maintain high standards in the areas listed below:

• To be the foremost indigenous leader in marine security, logistics & construction operations in Nigeria.
• Provide cost-effective, efficient, and reliable services that meet and exceed customer expectations.
• Also, to meet the expectation of applicable local and international regulations.
• Ensure the protection of personnel, environment, and assets.
• And to continuously improve their system of operation.

Address – 10B Abiodun Ikomi Street, Off Admiralty Way, Lekki, Lagos.

Email – [email protected]

Phone No – +2348129049639

23. Mutual Benefits Assurance Plc

Mutual Benefits Assurance Plc (MUTUAL) has evolved into a conglomerate consisting of value-adding companies with diverse interests in various sectors of the Nigerian economy through investments, strategic alliances, and partnerships.

Today, MUTUAL is a leading brand in the Nigerian Insurance industry, with over 3,000 staff and marketing executives in its employment.

If you need insurance advice or assistance in preparing for retirement with life, they’d be happy to help.

Products

• Fire and special perils
• Motor Vehicle
• Travel Health Insurance
• Children Education Plan
• Mutual Individual Savings and Protection Plan
• Mutual Multilife Shield

Address – Aret Adams House,
233 Ikorodu Road, Ilupeju – Lagos

Email – [email protected]

Phone No – 09054644444, 09054744444

24. Nonsuch HMO

Nonsuch HMO is a member of the Lafia Group of Hospitals (Lafia Health Practitioners Limited). The Company was set up in line with Lafia Hospital’s established well-known tradition and reputation of superior healthcare management services for almost 20 years.

Nonsuch is accredited by the National Health Insurance Scheme (NHIS) with Accreditation number HMO 51, to provide Private Managed Healthcare Services and Public NHIS services in Nigeria.

Through managed care contracts, Nonsuch provides health care to public institutions, corporate organizations, and individuals under a prepaid arrangement, utilizing a network of primary, secondary, and specialist hospital providers nationwide.

Nonsuch provides an integrated healthcare delivery system to corporate organization’s staff, to sum up how improving the internal service quality for staff increases employee loyalty and satisfaction, which eventually drives profitability for the organization.

In addition, the provision of adequate health coverage reduces the cost of illness to the organization and improves its revenue.

Address – Plot 1, Abimbola Estate, Opp. NNPC Abeokuta Road, Apata, Ibadan.

Email – [email protected]

Phone No – 08078391606, 07032305500

25. Novo HMO

Novo HMO focuses on offering its members excellent coordination and efficient delivery of health care services, better client experience, better customer engagement, reduced medical errors, and improved clinical achievement.

The health plans provided by Novo HMO include:

• The NHA Corporate Plan, which is designed for businesses of any size and in any industry
• The NHA Retail Plan, which offers a wide range of health insurance options for people in college, small businesses, domestic workers, and extended families
• The NHA Transnational Plan is a project born out of a partnership with international World Class Facilities that aims to give people access to high-quality healthcare who cannot receive it locally.

Address – Plot 17 Adewale Kolawale Crescent, off Kuboye beside ocean crest school, Oniru Lagos

Email –  [email protected]

Phone No – 014601990, 0708 060 9400

26. Oceanic HMO

In order to provide organized health care to the Nigerian people, Oceanic Health Management Limited was founded and granted a license by the NHIS in 2007. Its share capital was fully paid was N400,000,000 (Four Hundred Million Naira).

They are one of the few licensed providers of managed healthcare services to have just received re-accreditation from the NHIS.

Oceanic Health is known as a leader in the provision of managed healthcare services and will be your partner for life.

The company’s motto has always been to demonstrate a strong sense of responsibility while providing better services.

As a result, they are well-positioned to offer high-quality healthcare to all societal groups.

Address – 266, Muritala Mohammed Way, Ebute-Metta, Lagos.

Email – [email protected]

Phone No – 01 280 6399, 01 633 0300

27. Prepaid Medicare Services HMO

Prepaid Medicare Services Limited offers health benefits to suit a range of income brackets, whilst ensuring access to quality health care and value-added services.

However, this HMO is proud to introduce its National Alliance Program. They are emerging as the top service provider across the Nation and offer you the opportunity to join hands with them in unveiling the power of reaching beyond boundaries, thereby welcoming individuals, firms, education/language institutes, freelancers, NGOs, Students, and Consultants all over the Nation to become their Associate Partners.

As they are vigilantly working towards delivering unmatched service quality to clients and understand their unique requirements, nonetheless they believe in providing them the excellent services they deserve.

This National Alliance Program is introduced to help achieve this aim and grow for the benefit of all.

Quick Facts about Prepaid Medicare Services Limited

• It is a National Health Maintenance Organisation (HMO).
• Registered to underwrite health insurance as stipulated in the law
• Have Health plans designed to meet the unique health needs of Individuals and Families at large?
• Affordable and flexible health plans
• 247 call center operation
• Result-oriented healthcare services assured
• Unlimited access to health care services across the Country

Address –

Plot 273 Justice Ff Tabai Street, Off Ameyo Adadevoh Way, Cadastral Zone B09, Jahi District, Abuja, FCT, Nigeria.

Email – [email protected]

Phone No – +234-8035777338

28. Princeton Health Limited HMO

Princeton Health Limited HMO was founded to guarantee that everyone in Nigeria has unlimited access to high-quality healthcare, irrespective of their age, state, level of education, or social standing.

In addition to offering medical attention to sick members, Princeton Health works to inspire and promote the appearance, way of life, and healthy lifestyle of its members by promptly addressing health concerns around the clock.

The inclusive health insurance plans provided by Princeton HMO are designed to meet the needs of people, families, and organizations that value quality, independence, and abundant benefits.

Members receive access to the best and closest hospitals to their residence, place of employment, or kid’s school.

Address – 25, Mogaji Are Road, Opp Vitas Bakery Ring Road, Ibadan. Oyo State

Email – [email protected]

Phone No – 08151205555, 08185955555

29. Pro Health HMO

The Nigeria Social Insurance Trust Fund founded Pro-Health HMO Ltd in 2008 with the goal of offering health insurance to both the public and commercial sectors.

Additionally, Pro Health is recognized by NHIS. With regional offices in Lagos, Ibadan, Enugu, Kaduna, Maiduguri, and Port-Harcourt, the company’s head office is in Abuja.

Furthermore, Pro-Health HMO offers a variety of goods and services to suit your wants for a given way of life, such as offering secondary and tertiary healthcare services, and to provide NHIS grade healthcare services.

Head Office: Bassan Plaza, Block D, First Floor, Plot 759, Independence Avenue, Central Business District, Abuja

Email – [email protected]

Phone no: 0700776432584

30. RedCare HMO

This is suitable for individuals who simply want unique, personal healthcare plans that are affordable.

The company also serves as an HMO for parastatals, businesses, and households.

HMOs Redcare One healthcare package includes everything you need, including employee wellness services, healthcare insurance, and an affordable, practical foreign healthcare package you can use anywhere in the globe. It also includes curative and preventive medicine.

Redcare HMO also provides private and corporate health plans, clinic services administration, pre-employment drug and alcohol testing, and pre-employment health screenings.

Address – 41 Gbolade Adebanjo Street,
Off Coker Road, Ilupeju. Lagos, Nigeria.

Email – [email protected]

Phone No – 07007332273

31. Reliance HMO

Reliance HMO, one of the best HMOs in Nigeria, offers a comprehensive health plan that covers the needs of you, your family (including young children and old people), and your coworkers.

With this plan, you may relax knowing that everyone in your care has health insurance, relieving you of the worries and stress that come with having to pay huge medical bills to treat illness.

Furthermore, the HMO provides you with tools like a

• Directory of partner hospitals in various Nigerian states
• A care app that can be downloaded
• A retail benefit list that details the costs and advantages of their Retail Red Beryl Plan and Retail Alexandrite Plan
• The medical professionals these plans cover
• The services and types of healthcare you have access to as a member.

Reliance HMO is used by businesses such as Jumia, OPay, Kudi, Paystack, and others.

Address – 32 Lanre Awolokun Street, Gbagada, Lagos, Nigeria.

Phone No – 0700-73542623

Email – [email protected]

32. Roding HMO

Members of Roding Healthcare Limited can get the timely, high-quality care they need at a reasonable price.

Roding HMO provides health insurance that is ideally suited to individual needs by combining experience, knowledge, and professionalism.

Address – 4, Makoko Road, Adekunle, Yaba, Lagos, Nigeria

Email – [email protected]

Phone No – 07002255763464

33. Royal Exchange HMO

Royal Exchange Healthcare is an insurance company that serves as a financial middleman for the healthcare sector and serves as a point of contact for HMO members and the chosen healthcare professionals who will be attending to them.

Designing flexible and adaptive medical health plans for its members is Royal Exchange Healthcare’s main responsibility. This HMO has sizable coverage throughout states across the country and a broad network of healthcare professionals.

Address – New Africa House 31, P.O Box 112, Marina Lagos.

Email – [email protected]

Phone No – +234-1-4606690-9, 07080606100

34. Songhai Health Trust Limited HMO

Since its incorporation in 2001, SHTL, one of the first generation Health Maintenance Organizations (HMOs), has developed into one of the top HMOs in the nation.

However, they take pleasure in being motivated by ethics when providing better healthcare services to employers/employees in the public and private sectors as well as their large population in the informal sector.

In collaboration with their nationwide network of carefully chosen healthcare professionals, they offer services under prepayment arrangements.

Address – Suite B12, Tsukunda House, Plot 1446, Constitution Avenue, Beside Church Gate, Central Business District, FCT-Abuja.

Email – [email protected]

Phone No – +(234) 803-357-1011

35. Sterling Health HMO

All levels of care are covered by the comprehensive, cost-effective, and high-quality health plans offered by Sterling Health HMO.

You can join the Sterling Health HMO to gain access to medical services like lab tests, preventive programs, quarterly health checks, ambulance transportation services, and overseas health insurance.

Address – 99 Opebi Road, Valley View Plaza, Ikeja, Lagos

Email – [email protected]

Phone No – 08023020934, 08021210747

36. Swift HMO

Swift HMO’s plans are all uniquely designed to offer medical coverage for both individuals and families. For both large and small business employees, they also provide healthcare coverage.

Swift HMO’s health insurance program includes coverage for services including examinations and preventive care.

Address – 3, Fabac Center, Victoria Island, Lagos, Ligali Ayorinde, Nigeria

Phone No – 0701 384 7180

37. Venus Medicare HMO

Zenith Bank Group founded Venus Medicare Ltd, a health maintenance organization. The business provides services to private sector individuals, small employer groups, and big corporate organizations.

They also collaborate with NHIS to offer a social health insurance scheme for government employees working at all three levels of government.

Emergency services, outpatient services, inpatient services, maternity services, children’s health services, surgical services, radiographic treatments, eye care, dental care, and other services are all included in Medicare services.

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

Email – [email protected]

Phone no: +234 70033330000, +234 7046096878, +234 7046090877

Others that made it to the list are

38. Thebe HMO

39. United Health International HMO

40. Wellness/Investicorp HMO

Conclusion on Best HMO in Nigeria

In conclusion, Health Management Organizations (HMOs) offer a comprehensive and coordinated approach to healthcare management, by providing individuals with access to a network of participating providers and a focus on preventive care.

By choosing an HMO, individuals can benefit from lower healthcare costs, more efficient medical treatment, and better coordination of care.

However, there are also several limitations and drawbacks to consider when choosing an HMO, including limited choice of providers, the requirement to choose a primary care physician, restrictions on medical services and treatments, and the cost of medical services and treatments.

Individuals should carefully consider these factors and compare different HMOs to determine which HMO is the best fit for their needs.

By understanding the advantages and disadvantages of HMOs, individuals can make informed decisions about their healthcare and ensure that they receive the best possible care.

Whether you’re choosing an HMO for the first time or switching from another type of healthcare plan, it’s important to understand the benefits and limitations of HMOs and choose the HMO that’s right for you.