In a country where out-of-pocket healthcare costs are high, health insurance is no longer a luxury, it’s a necessity. Whether you’re self-employed, a student, or managing a family, choosing the right health insurance plan can protect your wallet and your wellbeing.
This guide reveals the Top 5 Health Insurance Plans in Nigeria for 2025, what they offer, and how to choose the best one for your needs.
1. NHIS (National Health Insurance Scheme)
Best for: Government workers, low-income earners, and families
Overview:
The NHIS is a government-backed scheme offering basic healthcare coverage through registered HMOs.
Key Benefits:
Affordable monthly premiums
Coverage for consultations, maternity, medications, and surgeries
Access to public and accredited private hospitals
Drawbacks:
Limited specialist care
Bureaucracy delays in approvals
Enrollment Tip:
Visit the NHIS office or portal (www.nhis.gov.ng) for direct enrollment or to register under a community-based plan.
2. AXA Mansard Health Insurance
Best for: Corporate workers, individuals, and families
Overview:
AXA Mansard is one of Nigeria’s most trusted private insurers with flexible health plans.
Key Benefits:
Plans from as low as ₦3,000/month
Access to over 1,500 hospitals nationwide
Telemedicine, dental, and vision coverage
Emergency care and specialist referrals.
Popular Plans:
BasicCare, Silver, Gold, and Platinum packages depending on your budget.
Enrollment Tip:
You can enroll online via www.axamansard.com or through their mobile app.
3. Hygeia HMO
Best for: SMEs, individuals, and pregnant women
Overview:
Hygeia is one of Nigeria’s oldest HMOs, known for affordability and decent hospital access.
Key Benefits:
Coverage for antenatal, chronic diseases, and general care
Wide hospital network (including in rural areas)
Family and corporate plans.
Drawbacks:
Basic plans may exclude specialist surgeries or advanced diagnostics.
Enrollment Tip:
Visit www.hygeiahmo.com or register through partner agents.
4. Avon HMO
Best for: Families, children, and entrepreneurs
Overview:
Avon HMO provides customizable plans, and is especially known for its maternity and pediatric options.
Key Benefits:
24/7 customer service
Routine checks, dental care, surgeries
Wellness programs & health risk assessments.
Popular Plans:
Individual, Couples, Family, SME, and Flexi plans
Enrollment Tip:
Enroll easily online at www.avonhealthcare.com with flexible payment options.
5. Reliance HMO
Best for: Digital-savvy users, young adults, and remote workers
Overview:
Reliance HMO offers tech-driven, flexible health plans, perfect for people who prefer digital service.
Key Benefits:
Instant access to doctors via the app
Weekly or monthly payment options
Comprehensive coverage with easy hospital access.
Why it stands out:
You can pay as you go and switch hospitals via their mobile app.
Enrollment Tip:
Sign up on www.reliancehmo.com or download their mobile app.
What to Consider Before Enrolling
Before choosing a health plan, ask:
What’s your monthly budget?
Does the plan cover your preferred hospitals?
Do you need maternity, dental, or chronic illness care?
Is customer service responsive and digital-friendly?
Tip: Compare multiple plans using aggregator platforms like CompareHMO or reach out to HMO consultants.
Whether you want basic coverage or premium health services, there’s a plan for you in Nigeria.
The key is to assess your needs, budget, and hospital preferences before you enroll.
> Investing in health insurance is investing in peace of mind, don’t wait until it’s well-being.
