At A Glance

Reliance HMO is one of Nigeria's most digitally oriented health insurance providers, known for its telemedicine platform, GPS-enabled hospital directory, and structured tier-based plan range. A distinctive feature of Reliance's model is its phased benefit structure, from basic care at enrolment through to major surgical cover after 15 months. All plans include a free telemedicine app and 24/7 chat access to healthcare professionals.

Compare Plan Benefits

Claims & Support

Reliance HMO uses a cashless, network-direct model at accredited facilities within your plan's tier. Present your Reliance HMO ID card or use the app to access care. Some benefits have a one-week wait before they activate, and others unlock in quarters, so understanding your plan's phased benefit schedule is important before seeking non-emergency care. Emergency resuscitative care is available immediately from day one on all plans. For gym and wellness benefits, access is arranged through Reliance's designated wellness partners.

How to Make a Claim

Present your Reliance HMO enrollee card or use the app at an accredited facility within your plan tier before receiving treatment
Emergency resuscitative care is available from day one without restriction; notify Reliance HMO promptly after any emergency event
Benefits with a one-week activation period, including specialist consultations, diagnostics, and serology, are not accessible in the first seven days of enrolment
Intermediate surgery cover unlocks after 12 months and major surgery cover after 15 months; plan your elective procedures accordingly
Dental care is accessible from month six and eye care from month nine; confirm your benefit eligibility before scheduling these appointments
Contact Reliance HMO customer support or use the telemedicine app for benefit queries, pre-authorisation, and hospital directory access

Reliance HMO Plans

1.

Red Beryl (₦92,340 per annum) : Red Beryl provides access to Tier 4 hospitals with a total annual benefit limit of ₦1,200,000. From day one, benefits include general consultations, basic medical outpatient treatment, emergency resuscitative care, and access to three specialist visits per year across a comprehensive specialist list including gynaecology, paediatrics, general surgery, cardiology, neurosurgery, cardiothoracic surgery, ENT, urology, orthopaedics, gastroenterology, psychiatry, and neonatology. Telemedicine and GPS hospital directory access are available immediately. Diagnostics including X-rays, ultrasound, haematological and chemistry tests, microbiology, and serology activate after the first week. Minor surgeries including wound dressing, circumcision, incision and drainage of abscesses, suturing of minor wounds, suturing of lacerations, and ear piercing are covered from month three, alongside semi-private ward admission for up to 30 days per year with feeding included. Dental care is accessible from month six with scaling and polishing up to ₦5,000 annually. Eye care is accessible from month nine with a global annual limit of ₦15,000, and frames and lenses up to ₦5,000 every two years. Intermediate surgery cover up to ₦150,000 activates after 12 months, and major surgery cover at the same limit activates after 15 months. Wellness includes one gym session per week. NPI immunisations for children aged 0 to 5 are covered from the first week.
2.

Alexandrite (₦117,420 per annum) : Alexandrite provides Tier 3 hospital access with a total annual benefit limit of ₦1,800,000 and five specialist visits per year. Hospital-to-hospital and roadside-to-hospital ambulance services are included from day one. Diagnostics mirror Red Beryl with the same one-week wait. Minor surgeries and semi-private ward admission for up to 20 days are available from month three. Dental care from month six includes scaling and polishing up to ₦7,500 annually. Eye care from month nine has a global annual limit of ₦25,000 with frames and lenses up to ₦10,000 every two years. Intermediate and major surgery limits increase to ₦300,000 each. Psychiatry care is covered for up to six weeks on an outpatient basis. Wellness includes two gym sessions per week and one annual body massage.
3.

Diamond (₦172,140 per annum) : Diamond provides Tier 2 hospital access with a total annual benefit limit of ₦3,000,000 and ten specialist visits per year. NPI immunisations for children aged 0 to 5 are supplemented at this tier with meningitis, rotavirus, pneumococcal, and typhoid vaccines. Roadside-to-hospital ambulance is included from day one. Minor surgeries and private ward admission for up to 45 days are available from month three, the longest inpatient duration in the Reliance individual range. Dental care from month six includes scaling and polishing up to ₦10,500 annually. Eye care from month nine has a global annual limit of ₦40,000 with frames and lenses up to ₦10,000 every two years. Intermediate and major surgery limits are ₦500,000 each. Psychiatry care is covered for up to ten weeks on an outpatient basis. Wellness includes three gym sessions per week and two annual body massages.

Who Should Consider This

1.

Tech-comfortable individuals: Reliance HMO's telemedicine app, GPS hospital directory, and digital-first approach suit individuals who want to manage their health cover through their phones rather than through paperwork.
2.

Professionals seeking structured specialist access: The specialist coverage list on all Reliance plans, including cardiothoracic surgery, neurosurgery, and neonatology, is broader than that of many comparable plans, making Reliance a strong option for individuals who want confidence that rare specialist consultations are covered.
3.

Young adults starting their insurance journey: The phased benefit structure means premiums are lower at entry, and the gym access and telemedicine benefits resonate specifically with younger, health-conscious professionals.
4.

Individuals planning elective surgery : The phased unlock of surgical benefits means Reliance rewards early enrolment. Anyone expecting to need intermediate or major surgery should enroll well in advance when the procedure is anticipated.

nairaCompare Insight

Reliance HMO's phased benefit model is worth understanding clearly before enrolling. The approach means that in your first year, you are building toward full coverage rather than accessing it immediately. This suits individuals who are planning ahead and not enrolling in response to an existing health need. For those who need full coverage access quickly, the phased model is a meaningful constraint worth factoring into your decision.

What Reliance does well is digital infrastructure and specialist breadth. The telemedicine app and GPS hospital directory are genuinely useful tools that reduce one of the most frustrating parts of using an HMO in Nigeria, which is finding an accredited facility quickly. The Diamond plan's 45-day inpatient limit is also notable: it is one of the longest individual inpatient durations available in the Nigerian retail health market at this price point. Use nairaCompare to assess how Reliance's benefit timing and limits compare against the more immediately accessible coverage offered by Bastion, AXA Mansard, and Leadway before deciding.

About Reliance HMO

Reliance HMO is a Nigerian Health Maintenance Organisation regulated by NAICOM and the National Health Insurance Authority. Founded in 2016, the company is known for its first digital approach to health insurance, with a mobile app that provides telemedicine consultations, GPS-enabled hospital directories, and enrollee benefit management. Reliance HMO serves both individual and corporate clients across Nigeria and distributes its plans through digital channels. The company has offices in Lagos, Abuja, and Port Harcourt.

CONTACT ADDRESS 32 Lanre Awolokun Street, Gbagada, Lagos

WEBSITE www.hygeiahmo.com

PHONE NUMBER 0700-RELIANCE

EMAIL ADDRESS hellonigeria@getreliancehealth.com

server render fail/waiting for island-2f3cedn306619R0 (separate island render, inside)