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At A Glance

HCI Healthcare Limited, formerly known as Healthcare International Nigeria Limited, is one of Nigeria's longest-established Health Maintenance Organisations, incorporated in 1997 and owned by a consortium of leading Nigerian insurance companies. HCI manages over 300,000 enrollees across a network of over 1,500 hospitals spanning Nigeria, with NAICOM accreditation and NHIS licensing.

Compare Plan Benefits

Claims & Support

HCI Healthcare operates a cashless model at accredited facilities. Present your HCI ID card before receiving care, and the facility will verify your cover directly with HCI. For specialist care, a referral from your registered primary care provider is required. Emergency evacuation is covered on all plans within the specified limits. Note that coverage for specialised laboratory, imaging, and advanced radiological studies varies by plan tier, so confirm eligibility before scheduling.

How to Make a Claim

Present your HCI Healthcare ID card at your chosen accredited primary care provider before receiving treatment
For specialist referrals, request a referral from your registered GP within the HCI network
For emergencies, access the nearest appropriate facility and notify HCI Healthcare promptly
Confirm advanced investigation eligibility (CT scan, MRI) before scheduling, as availability varies by plan tier
Maternity claims require enrolment before the applicable moratorium period on your plan; confirm eligibility in advance
Contact HCI Healthcare customer support for pre-authorisation of surgical procedures or benefit verification

HCI Plans

Hello

1.

Titanium Compact: HCI's entry-level Titanium plan covers outpatient GP consultations, acute care, minor surgeries, and an annual physical across a standard network. Specialist consultations are limited to two visits per year with common specialists only; rare specialist consultations are not covered. Chronic disease medication is covered up to ₦20,000 per year. Surgical procedures are covered up to ₦50,000. Maternity cover is up to ₦50,000. Family planning is covered up to ₦5,000 per year. Emergency evacuation is covered up to ₦50,000. Dental care is up to ₦6,000 and optical care up to ₦3,500. Physiotherapy includes three sessions. Psychiatry is covered. Specialised laboratory studies, imaging, and advanced radiology are not covered on this plan.
2.

Titanium Klassic: Klassic upgrades to a standard network with common and rare specialist consultation cover up to three visits per year. Chronic disease medication rises to ₦25,000 per year. Surgical procedures increase to ₦80,000. Maternity cover rises to ₦80,000. Family planning rises to ₦10,000 per year. Inpatient accommodation is semi-private ward for up to ten days per year. Emergency evacuation is covered up to ₦60,000. Dental care is ₦8,000 and optical care ₦5,500. Physiotherapy includes five sessions. Specialised laboratory and imaging studies are covered, and advanced radiology is limited to CT scan.
3.

Titanium Ultra: Ultra provides access to four common specialist visits per year and all rare specialist consultations across a standard network. Chronic disease medication rises to ₦40,000. Surgical procedures are covered up to ₦120,000 and maternity to ₦100,000. Family planning rises to ₦15,000. Inpatient accommodation is private ward for up to 15 days per year. Emergency evacuation is covered up to ₦80,000. Routine medical screening is included. Dental care rises to ₦10,000 and optical care to ₦7,500. Seven physiotherapy sessions and full specialised laboratory, imaging, and advanced radiology cover are included.
4.

Titanium Deluxe: Deluxe accesses an enhanced network with five common specialist visits per year and full rare specialist access. Chronic disease medication is ₦60,000. Surgical procedures are covered up to ₦150,000. Infertility cover is up to ₦50,000 and maternity cover up to ₦120,000. Family planning rises to ₦20,000 per year. Non-NPI immunisations are included for under-fives. Inpatient accommodation is private ward for up to 18 days per year. Emergency evacuation is covered up to ₦100,000. Dental care is ₦15,000 and optical care ₦10,000. Ten physiotherapy sessions are included.
5.

Titanium Royal : Royal is HCI's most comprehensive Titanium plan, accessing an enhanced network with six common specialist visits per year and full rare specialist access. Chronic disease medication is ₦70,000 per year. Surgical procedures are covered up to ₦200,000. Cancer care is covered up to ₦100,000. Renal dialysis is covered. Infertility cover is up to ₦100,000 and maternity up to ₦150,000. Family planning is covered up to ₦50,000 per year. Comprehensive annual medical screening and NPI and non-NPI immunisations are included. Inpatient accommodation is private ward for up to 22 days per year. Emergency evacuation is covered up to ₦120,000. Optical care is up to ₦15,000.
6.

Citizen Agile : HCI's entry-level Citizen plan covers outpatient GP consultations, acute care, minor surgeries, and an annual physical across a standard network. Specialist consultations are limited to three per year. Chronic disease medication is covered up to ₦25,000. Surgical procedures are covered up to ₦70,000. Cancer care and renal dialysis are not covered. Inpatient accommodation is a standard ward for up to 15 days per year. Emergency evacuation is covered up to ₦50,000. Dental care is ₦10,000. Optical care covers optician consultations up to ₦6,500 and ophthalmologist visits up to ₦25,000. Five physiotherapy sessions and psychiatry cover are included. Advanced radiology is available on an emergency basis limited to one CT scan. Mortuary services are covered up to ₦20,000 per annum.
7.

Citizen Fresh : Fresh provides five specialist consultations per year and semi-private ward accommodation for up to 15 days. Chronic disease medication rises to ₦35,000. Surgical procedures are covered up to ₦100,000. Cancer care and renal dialysis are not covered. Emergency evacuation is ₦75,000. Dental care is ₦15,000. Optical care covers optician consultations up to ₦7,500 and ophthalmologist visits up to ₦35,000. Eight physiotherapy sessions and full specialised laboratory and imaging cover are included. Advanced radiology is available on an emergency basis limited to one CT scan. Mortuary services are covered up to ₦20,000 per annum.
8.

Citizen Delight : Delight provides seven specialist consultations per year, routine medical screening, and private ward accommodation for up to 21 days per year. Chronic disease medication is ₦50,000. Surgical procedures are covered up to ₦120,000. Cancer care and renal dialysis are not covered. Emergency evacuation is ₦100,000. Dental care is ₦25,000. Optical care covers optician consultations up to ₦10,000 and ophthalmologist visits up to ₦50,000. Twelve physiotherapy sessions and full specialised laboratory and imaging cover are included. Advanced radiology is available on an emergency basis limited to one CT scan. Mortuary services are covered up to ₦20,000 per annum.

Who Should Consider This

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1.

First-time health insurance buyers on a budget:: The Titanium Compact and Citizen Agile plans provide basic but NAICOM-regulated cover with annual physicals, emergency evacuation, and specialist access at entry-level premiums.
2.

Individuals managing chronic conditions: : The Titanium Ultra and above plans provide meaningful chronic disease medication cover from ₦40,000 upward, suitable for those managing ongoing health conditions.
3.

Individuals requiring cancer or kidney care: : The Titanium Royal is the only HCI plan that includes cancer care cover and renal dialysis, making it the appropriate choice for anyone with significant chronic disease risk.
4.

Cost-conscious urban professionals: : The Citizen Fresh plan offers a strong balance of specialist access, semi-private ward accommodation, and practical dental and optical benefits at an accessible premium.

nairaCompare Insight

HCI Healthcare's dual-range structure is useful because the Titanium and Citizen plans serve slightly different buyer profiles. The Titanium range is built around network tier and specialist access depth, which suits individuals who want a clear progression of medical benefits. The Citizen range is built around practical, everyday coverage with mortuary benefits included, which reflects a grounded understanding of what many Nigerian families actually need from a health plan.

The Titanium Royal is HCI's most compelling plan from a risk management perspective. Cancer care up to ₦100,000 and full renal dialysis cover are benefits that very few Nigerian HMOs include in their individual retail offering, and the enhanced network with six specialist visits per year and comprehensive annual screening makes this plan a strong candidate for individuals above 40 who want serious coverage. Compare it against AXA Mansard's Gold or Bastion's Emerald at similar price points on nairaCompare.

About HCI Healthcare Limited

HCI Healthcare Limited, formerly Healthcare International Nigeria Limited, is a Health Maintenance Organisation incorporated in 1997 and accredited by the Federal Government under the National Health Insurance Scheme. The company is owned by a consortium of leading Nigerian insurance companies including AIICO Insurance Plc, Custodian and Allied Insurance Plc, Femi Johnson and Co., Lasaco Assurance Plc, NICON Insurance Corporation, Niger Insurance Plc, and OMIS Investment Ltd. HCI manages over 300,000 enrollees across a network of over 1,500 hospitals nationwide and is regulated by NAICOM.

CONTACT ADDRESS 296 Herbert Macaulay Way, Sabo-Yaba, Lagos

WEBSITE www.hcihealthcare.ng

PHONE NUMBER +234 703 000 9099

EMAIL ADDRESS info@hcihealthcare-ng.com

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