Best Health Insurance for Nigerians in Diaspora to Buy for Their Relatives in Nigeria (2025 Guide)

For Nigerians living abroad, ensuring that your relatives back home can access quality healthcare is a top priority. With Nigeria’s public healthcare system facing challenges, buying private health insurance for a family in Nigeria has become one of the most reliable ways to provide financial protection and peace of mind.

This 2025 guide explores the best health insurance plans in Nigeria, their costs, coverage benefits, and how Nigerians in the diaspora can easily purchase them online from abroad.

Why Health Insurance Matters for Your Nigerian Relatives

Nigeria’s healthcare system continues to struggle with underfunding, equipment shortages, and long waiting times. According to the World Health Organization, about 77% of Nigerians pay for healthcare out-of-pocket — one of the highest global rates — and fewer than 5% have any form of health insurance.

By enrolling your family in private health insurance plans through HMOs (Health Maintenance Organizations), you give them access to:

• Better medical facilities and specialists

• Faster treatment with minimal wait times

• Comprehensive coverage for outpatient, inpatient, and emergency care

Private medical insurance protects your loved ones from unexpected medical costs and ensures they can receive timely care in both major cities and rural areas.

Types of Health Insurance in Nigeria

Before selecting a provider, it’s important to understand the main types of health insurance plans available in Nigeria:

• Individual Plans – For single persons, covering essential medical needs

• Family Plans – Covering multiple dependents (spouse, children, or parents) under one policy

• Corporate or Group Plans – Designed for employees and their families

• Senior Citizen Plans – Tailored to elderly relatives with specialized health needs

• International Health Plans – Offers coverage both within Nigeria and abroad

  
  

Top Health Insurance Providers for Nigerians in the Diaspora (2025)

1. Novo Health Africa – Loaf Plan

Specifically created for Nigerians in the diaspora, Novo Health Africa’s Loaf Plan lets you buy health insurance for relatives in Nigeria from anywhere in the world.

• Starting Price: ₦31,500 per year

• Coverage: Outpatient, inpatient, emergency care, surgeries, and specialist treatment

• Highlight: Only dedicated Diaspora Health Plan in Nigeria’s insurance market

2. AXA Mansard Health Insurance

Part of the global AXA Group, AXA Mansard is one of Nigeria’s most reputable HMOs with over 1,000 partner hospitals nationwide.

• Starting Price: ₦20,000 per year

• Coverage Includes: Maternity, mental health, HIV/AIDS care, emergency imaging (CT/MRI)

• Payment Options: Monthly, quarterly, or yearly; accepts international cards

3. Reliance HMO

A tech-driven insurer offering flexible and affordable coverage with mobile access for real-time health management.

• Starting Price: ₦3,500/month (₦42,000/year)

• Key Features: Telemedicine, mental health support, fitness, and wellness perks

• Contact: 0700-7354-2623 | hellonigeria@getreliancehealth.com

4. Hygeia HMO

One of Nigeria’s oldest and most trusted HMOs, Hygeia HMO provides wide-ranging coverage for individuals, families, and seniors.

• Starting Price: ₦55,590 per year

• Hospital Network: 1,800+ clinics and hospitals nationwide

• Special Features: Senior citizen plans, maternity cover, English-speaking doctors

• Contact: 0700-494342-466 | hycare@hygeiahmo.com

5. Leadway Health

Backed by over 50 years of insurance experience, Leadway Health provides modern health solutions with international reach.

• Starting Price: ₦69,998.50 per year

• Hospital Network: 7,000+ global providers

• Highlight: International coverage options and dedicated family plans

• Contact: 0201-2801-051 | 0708-0627-051

Quick Comparison Table

How to Buy Health Insurance for Nigeria from Abroad

Buying health insurance for your relatives in Nigeria from abroad is now easier than ever. Most leading HMOs accept international payment methods,  including credit/debit cards and bank transfers.

Steps to buy health insurance for a family in Nigeria from abroad:

1. Visit the provider’s website and select your preferred plan.

2. Complete the online form with your relative’s details (name, BVN, ID).

3. Make a payment using your international debit or credit card.

4. Receive confirmation — coverage starts within 24–48 hours.

What’s Covered Under Nigerian Health Insurance Plans

When comparing health insurance plans, ensure your chosen policy includes key benefits like:

• Outpatient Services: Consultations, lab tests, medications

• Inpatient Care: Hospital admissions, surgeries, specialist visits

• Maternity Care: Antenatal, delivery, and postnatal services

• Chronic Disease Management: Diabetes, hypertension, asthma

• Emergency Services: Ambulance and emergency room care

• Dental & Optical: Routine checkups and vision care

Supporting Family Healthcare Beyond Insurance

Health insurance offers coverage, but you can also strengthen your family’s healthcare support through diaspora banking and money transfers.

Platforms like nairaCompare help you:

• Compare diaspora savings accounts for medical emergencies

• Find affordable international transfer options for co-payments and hospital bills

• Secure better FX rates when sending money for healthcare support

Frequently Asked Questions (FAQ)

Can I buy health insurance for multiple relatives?
Yes. Most providers offer family plans covering multiple dependents at discounted rates.

Are pre-existing conditions covered?
Some insurers offer coverage after a 6–12 month waiting period. Always confirm with your provider.

What happens during emergencies?
Emergency care is typically covered immediately, with direct billing to hospitals — no upfront payment needed.

Can I manage the plan online from abroad?
Yes. Many HMOs like Reliance and AXA Mansard offer online dashboards and customer support for diaspora clients.

Final Thoughts: Making the Right Choice

When selecting health insurance for your relatives in Nigeria, focus on reliability, hospital coverage, and ease of payment from abroad.

The best health insurance plans for Nigerians in the diaspora — like Novo Health Africa’s Loaf Plan, Reliance HMO, and AXA Mansard — combine affordability, accessibility, and strong medical networks.

Investing in quality healthcare coverage for your family today ensures long-term financial security and peace of mind, no matter where you live.