Insurance is a term lots of Nigerians are familiar with but have you ever considered HMO for you and your family? In Nigeria, a lot of individuals do not take the idea of health insurance very seriously. Sometimes, it is because they are uninformed. Other times, personal superstitious beliefs about insurance could serve as a detriment to seeking the best health insurance package.

Whatever the case the advantage of health insurance is something one should give more than a thought to.

<b>How it works</b>

The customer pays a fee known as a premium per annum to access healthcare services in the HMO network of hospitals.

[h1]Top 10 HMO in Nigeria[/h1]
1. HCI Healthcare HMO
2. Avon HMO
3. Hygeia HMO
4. Total Health Trust
5. Reliance HMO
6. Redcare HMO
7. Metro Health HMO
8. Novo Health HMO
9. Hallmark HMO
10. IHMS HMO
The following HMOs have been selected carefully based on service quality and provision of an array of affordable health insurance packages that perfectly fit everyone at the various levels of the socio-economic class. These HMOs are

1. [a href="https://www.hcihealthcare.ng"]HCI Healthcare HMO[/a]

HCI Healthcare HMO is one of the foremost HMOs in Nigeria with over 22 years of experience. Obtained National Health Insurance Scheme (NHIS) accreditation in 1999. HCI healthcare manages over 500,000 lives in its portfolio across the nation.

They offer an array of affordable health benefits packages to Nigerians across the six (6) geo-political zones at different levels of the socio-economic class. When you subscribe to any HCI Healthcare plan and fall ill, you can receive healthcare at any hospital of choice.

Their Health Insurance Packages include Individual, Family, Corporate,
Informal Sector, Senior Citizens, School & International Plans.

Website: www.hcihealthcare.ng | 07034039099, 08077590016

Address: 296, Herbert Macaulay Way, Sabo – Yaba, Lagos.

2. Avon HMO

Avon HMO was registered in 2012 but began operations in 2013. The HMO is a subsidiary of the Heirs Holdings Group, an investment company. Once you subscribe to their plan and you fall sick, Avon HMO steps in to pay the bills and also ensures your full recovery.

Basically, Avon has plans for individuals, couples, families, SMEs & small groups, companies and large groups, international coverage, and so on. You can check their website for their list of providers.

Physical Address: 29, Rumens Road, Off Bourdillon Road, Ikoyi Lagos, Nigeria
Website: avonhealthcare.com



3. Hygeia HMO

Hygeia is one of the oldest and most prominent HMOs in Nigeria, with over 30 years of experience under their belt. Also, although the company received its license from the National Health Insurance Scheme in 2005, it has been in existence since 1986. They offer cheap and affordable health insurance to citizens in Nigeria across the following plans:

· Individual plans

· Family plans

· Maternity plans

· SME group plans

· Corporate plans

Also, Hygeia has a mobile application where you can subscribe and manage your plans easily. This plan is available on the google play store. Website: hygeiahmo.com

4. Total Health Trust Limited

Total Health Trust Limited is the largest insurance company in Nigeria, with over 300,000 members. Also, it is one of the oldest, as it was established in 1998. Total health offers you access to more than 500 private hospitals. More so, some of their products include:

· Individual

· Family

· Corporate

5. Reliance HMO

Reliance is a common HMO service in Nigeria, with health plans across the family and business world. Also, their HMO services are easily accessible through the Reliance HMO mobile application. Some of the services the packages they offer include:

· Family

· Parents

· Business

Website: reliancehmo.com.

6. Redcare Health Service Limited

Redcare health service limited focuses on providing value through health care solutions to meet the needs of customers. Also, the company is characterized by going above and beyond for policyholders. Some of the services they offer include:

· Corporate plans

· Private plans

· Other plans

Website: redcarehmo.com

7. Metrohealth

Although not very popular like some others on this list, MetroHealth HMO offers quality health insurance for Nigerian citizens across different packages. Some of them are:

· Individuals

· Couples

· Family

· Business

· Organizations

Website: metrohealthhmo.com

8. Novo Health HMO

Novo Health Africa is a national health maintenance organization that provides health care services across Nigeria. Their services and products include NHA retail plans, NHA Corporate Plans, Connect-care, and connected travel.

9. Hallmark HMO

Hallmark is one of Nigerians top choices for the best HMOs. Also, they provide affordable and long-lasting health care plans for everyone. Some of their services include:

· Corporate plans

· Retail plans

Website: hallmarkhmo.com

10. IHMS HMO

This insurance maintenance organization has been in operation in Nigeria since 2001. They are one of the best at what they do and have a mission to deliver the highest level of health and wellness to customers. Also, some of the services they offer include IHMS:

· Retail health plan

· Corporate health plan

· Group and association health plan

· Tertiary institution social health insurance plan

· Community-based social health insurance plan

Source: https://hmo-in-nigeria..com/