We know you have lots of questions regarding the different types of health insurance plans available in Nigeria, we have taken out time to make this post answering in details popular questions users have always asked about health insurance in Nigeria.

What is HMO?

Health Maintenance Organization, abbreviated as “HMO” is a risk-sharing, contractual, cost-reducing, and schematic system of Health insurance. The HMO services are relatively high in developed countries like USA and developing countries like Nigeria.

The major goal of HMO is to ensure patients receive care and services from in-network primary care physicians, specialists, hospitals, clinics, and pharmacies except it is for out-of-area urgent care or emergency care.

How It Works

A HMO has a list of healthcare facilities that provide healthcare services to its clients at all levels of the country whether companies families or individuals. They render services to clients seeking to provide healthcare for its employees or members. Once an agreement is reached, the company or client pays the HMO a periodic amount known as premium (Just like in insurance this amount could be paid monthly or annually). The premium paid will fetch the beneficiary a coverage for provision of healthcare services subject to conditions within a certain period.

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