Top 10 Health Insurance Plans in Nigeria in 2025 (Affordable & Reliable Options)

In Nigeria today, less than 5% of the population has health insurance healthcare costs keep rising. One unexpected illness or emergency can wipe out months of savings.
This is why choosing the right health insurance plan isn’t just smart… It’s essential.

If you're looking for the best and most affordable health insurance plans in Nigeria for 2025, this guide breaks everything down: prices, coverage limits, what each provider offers, and how to choose the right plan for your family.

Understanding Health Insurance in Nigeria 

Health insurance in Nigeria operates through two primary systems: the National Health Insurance Authority (NHIA) for formal sector employees and private Health Maintenance Organizations (HMOs) serving individuals, families, and businesses. These plans provide financial protection and access to quality healthcare services across accredited facilities nationwide. 

The most common types of health insurance plans in Nigeria include: 

• HMO Plans (most popular option with dedicated provider networks) 

• PPO (Preferred Provider Organization) plans 

• State Health Insurance Schemes 

• Commercial Health Plans 

Below are the most reliable and accessible plans based on price, benefits, customer experience, and nationwide availability.

1. Reliance HMO – Red Beryl Plan (₦38,650/year)

Reliance HMO offers one of Nigeria’s most affordable entry-level plans.

Price: ₦3,500 monthly or ₦38,650 yearly
Coverage: Up to ₦1.2 million

Why Nigerians Like It:

• 2,000+ partner hospitals

• Free telemedicine

• Weekly gym sessions

• Surgeries up to ₦150,000

• Very easy to use through the mobile app

2. AXA Mansard – EasyCare Plan (₦20,000/year)

A budget-friendly plan with strong nationwide presence.

Price: ₦12,000 (6 months), ₦20,000 (1 year)

Key Benefits:

• Care for common illnesses

• Hospital consultations

• Access to 1,000+ hospitals

• 24/7 customer support

• Flexible payment options

3. Hygeia HMO Plans

Hygeia is one of the oldest and most trusted HMOs in Nigeria (since 1986).

Why it stands out:

• Massive hospital network

• Plans for individuals, families, and seniors

• Fast customer support

• Automated systems for seamless access

4. Avon HMO (From ₦27,500/year)

A reputable provider known for strong customer service.

Price: From ₦27,500
Coverage: Up to ₦2.5 million

Highlights:

• Basic plans with ₦800k coverage

• Specialist care

• 300+ partner hospitals

• NHIA accredited

5. SUNU Health Nigeria – Retail PEARL Plan (₦46,904/year)

Great for individuals, micro-businesses, and the informal sector.

Key Features:

• Specialist consultations

• Drug prescriptions

• Nationwide emergency cover

• Plans for multinationals and SMEs

6. Leadway Health (Premium Options)

A strong option if you want premium care and higher coverage limits.

Benefits:

• Gold Plan up to ₦12 million annually

• International treatment & evacuations

• Maternity, dental & optical

• Annual checkups & vaccinations

7. Total Health Trust (THT) – Alldo Plan (₦44,600/year)

One of the pioneers of managed healthcare in Nigeria.

Why it’s trusted:

• Wide hospital network

• Primary to tertiary care coverage

• Telemedicine services

• Consistent service since 1998

8. HCI Healthcare – Titanium Compact Plan (₦35,000/year)

A solid, affordable plan for individuals and small businesses.

You get:

• Nationwide provider network

• NHIA licensed

• Emphasis on affordability

• Plans for individuals and organisations

9. WellHealth – Individual Plan (₦18,500/year)

One of the most affordable HMOs on the list.

Why people choose WellHealth:

• Low-cost annual plans

• Strong hospital partnerships

• Family-friendly options

• Customer-first service

10. Clearline HMO (From ₦50,000/year)

Reliable HMO with a long history and extensive network.

Key Benefits:

• Personal plans starting at ₦50,000

• KiaKia Telemedicine Plan (₦5,000)

• 2,000+ partner hospitals

• Corporate and individual plans

How to Choose the Best Health Insurance Plan for You

Before selecting a plan, consider:

• Coverage: Does it cover medication, emergencies, surgeries, maternity, dental, optical?
• Hospital Network: Check if your preferred hospitals are included.
• Cost: Balance price against what’s covered — the cheapest may not be the best for your needs.
• Customer Service: Fast access, easy claims, responsive support.
• Extra Benefits: Telemedicine, wellness programs, vaccinations, gym access, etc.

Frequently Asked Questions

1. How much is health insurance in Nigeria?
   Between ₦3,500/month and ₦40,000+/year, depending on the plan.
2. Do health plans cover pre-existing conditions?
   Basic plans usually have waiting periods. Premium plans may include them.
3. Can I use the HMO at any hospital?
   No — only within the approved provider network.
4. How do I make a claim?
   Typically, you present your HMO card or ID at the hospital. Reimbursements require receipts and a claims form.

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