Health emergencies are the #1 cause of financial ruin for Nigerian middle-class families. A single hospitalisation can cost ₦500,000–₦2M. An HMO plan costing ₦5,000/month eliminates this risk. This guide shows you how to find the right plan without overpaying.
Top HMO Plans Compared 2026
HMO
Individual (monthly)
Family (monthly)
Hospital Tier
NHIA Accredited
Reliance HMO
From ₦3,500
From ₦12,000
A, B, C
Yes ✓
Avon HMO
From ₦4,200
From ₦14,500
A, B, C
Yes ✓
AXA Mansard Health
From ₦7,500
From ₦22,000
A, B
Yes ✓
Total Health Trust
From ₦4,000
From ₦13,000
A, B, C
Yes ✓
Bastion HMO
From ₦5,000
From ₦16,000
A, B, C
Yes ✓
Hygeia HMO
From ₦8,000
From ₦25,000
A only
Yes ✓
Compare all HMO plans with live pricing and hospital networks.
Reliance HMO's individual plan starts from approximately ₦3,500/month. Avon HMO and Total Health Trust also offer entry-level individual plans under ₦5,000/month. Prices vary significantly by hospital tier and coverage level.
What is the difference between HMO and health insurance in Nigeria?+
In Nigeria, HMOs (Health Maintenance Organisations) are the primary mechanism for individual and group health insurance. They provide access to a network of hospitals for a monthly premium. Traditional indemnity health insurance (where you pay and get reimbursed) is rare in Nigeria — most plans are HMO-based.
Is NHIA mandatory in Nigeria?+
The National Health Insurance Authority (NHIA) Act 2022 mandates health insurance for all Nigerians. Enforcement for individuals is still being rolled out, but employers are increasingly required to provide HMO coverage for staff. All legitimate HMOs must be NHIA-accredited.
Can self-employed Nigerians get HMO cover?+
Yes. Most HMOs offer individual and family plans that don't require employer sponsorship. Reliance HMO, Bastion, and Total Health Trust all sell directly to individuals online with monthly payment options.
Disclaimer: CompareMarket NG is an independent comparison service. Information is verified against regulatory databases (NAICOM, CBN, FCCPC, NDIC, NERC, NCC) and updated regularly, but rates and products change frequently. Always verify current terms directly with the provider before making a financial decision. This is not financial advice.
