Top 15 Health Insurance Companies in Nigeria Full details, and Contact Address

Have you been in search of health insurance companies in Nigeria, but you have no idea about their contact address? Most individuals in Nigeria want to get good premium health insurance policies for themselves, and their loved ones. Based on different things that have occurred in time past, some people are being skeptical about the importance of having health insurance policies.

However, having solid health insurance plans is quite necessary to solve the issue of eventualities in the future when one can’t afford to pay for their medical expenses. If you are the type who has been so myopic about this aspect of health insurance, you can invest your money in it and reap bountiful rewards at the later end.

What is the meaning of a Health Maintenance Organization?

A health maintenance organization is like a body that offers health insurance policies for different people either for a monthly or yearly fee depending on the agreement between the insured and the insurer. It comprises a group of health insurance providers that offers healthcare using medical experts to give attention to patients.

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There’s no point arguing that over the years, there have been severe health issues on the increase caused by either environmental pollution or health hazards. As a result of this, when an individual is not financially stable, it could lead to life-threatening issues. Individuals should purchase health insurance policies from any health maintenance organization.

The health maintenance organization helps to rescue one from incurring massive debts due to seeking treatments for their health. Before one could find the best health maintenance organization, there is a need to put some factors into consideration. It is easier for people to secure health insurance providers if they are under a health maintenance organization.

In health maintenance organization, they have their special health insurance policies for their customers. The truth is no one dives into any health insurance policies for the sake of it because their health challenges will determine the right plan for them. The good news is health maintenance organization is becoming more popular, and lots of persons are accepting it.

History of Health insurance in Nigeria

The history of health insurance in Nigeria started far back in 1962. During this year, the federal minister submitted a bill to the house to build a well-equipped healthcare system for its citizens in Lagos State. During the early stage of this idea, it was ignored or counter by the members of the house to build a health maintenance organization.

In the year 1988, the health minister at that time set up a committee that was involved in the construction of the modern National Health Insurance Scheme. For this reason, the health insurance policies were created in 1999, but they became effective in 2005. As a result of this delay in its operations, they have built several health insurance policies to cater to the masses.

Different Health Insurance Policies

Top 15 Health Insurance Companies in Nigeria Full details, and Contact Address

There are different health insurance policies, and they are:

  • Health maintenance organizations
  • Preferred provider organizations
  • Exclusive provider organizations
  • Point-of-service
  • High-deductible health plans
  1. Health Maintenance Organization:

It offers several health services using different healthcare providers. Individuals who are under this health insurance plan have the right to select their healthcare service providers. There is always a doctor that is available to refer individuals to medical care specialists to get appropriate healthcare attention. The only problem is individuals have to pay for the service rendered to them by a medical expert that is not in their network.

  1. Preferred Provider Organization:

Here, there is moderate freedom for individuals to select their healthcare service providers. The good thing is there is no need for anyone to find a referral before they have to see a medical professional. The health insurance policy involves lots of paperwork compared to other health insurance plans. Some of these preferred provider organizations require individuals to pay high deductibles, especially when individuals will be seeing a doctor that is not in their network.

  1. Exclusive Provider Organization:

For exclusive provider organizations, there is no coverage for individuals who find doctors out of their network because they will have to pay the full medical expenses. It has the same similarities as the preferred provider organization whereby individuals don’t need to find any referral to visit any medical expert. There are numerous kinds of payments one has to pay such as premium, deductible, and coinsurance.

  1. Point-of-Service Plan:

The point-of-service health insurance plan is a combination of health maintenance organization and the preferred provider organization. Individuals on the plan have more liberty to select any health care service providers they want in a health maintenance organization. In addition to it, moderate paperwork is required to seek the services of other healthcare specialists outside your network.

  1. High-Deductible Health Plan:

It is another type of health insurance policy we have available for individuals. For the high deductible health plan, if an individual reaches the out-of-pocket amount this plan helps them to make 100% payment of their healthcare. The good thing is the money an individual put inside the plan is free from any form of taxation. The kind of doctor patients can see under this plan varies from health maintenance organization, preferred provider organization, exclusive provider organization, and point-of-service.

Different Types of Health Insurance Companies

These are the following types of healthcare insurance firms where individuals can obtain exclusive health insurance policies, and they are:

  1. Hygeia HMO:

It is one of the best health insurance companies available in Nigeria. It came into existence in the year 1986. Based on the level of their incredibility, they have lots of customers patronizing them for their automated system of operation. If you are under this Hygeia HMO, you will have options to numerous hospitals either individual or corporate.

Besides, their healthcare network offers wide coverage for various services such as primary healthcare providers and secondary healthcare providers such as physiotherapists, and dentists. The company has various plans that will suit the need of any individual searching for healthcare insurance, because they have three different plans – Personal, SME, and Corporate plans.

Address: 214, Broad Street, Elephant House, Floors 6-8, Lagos Island.

Mobile Number: 0700-494342-466


  1. Total Health Trust HMO:

The health insurance company was founded by three doctors who decided to offer affordable healthcare services to individuals. Although it was founded in 1997, operations for the health insurance form began in the year 1998, and they got financial backings from Leadway Assurance Company.

Presently, the company can boast of over 300,000 members and 500 corporate clients. It will surprise you to know that the company emerged as the winner for the best health insurance service provider in 2016. No matter the kind of budget you have in your hand, you will find one that will suit your financial plans

Address: 2, Marconi Road, Palmgrove Estate, Lagos, Nigeria

Mobile Number: 08122413534


  1. Integrated Healthcare Limited:

It is another top leading Health maintenance organization that began operations in 2000. Integrated healthcare insurance companies help individuals to sort out their healthcare. They have various plans such as Formal Sector Plan, Family Plan, Community Based Health Insurance Plan, Individual Plan, Corporate Plan, and many others.

Address: No. 19, Jos Street, Area 3, Garki District, Abuja, Nigeria.

Mobile Number: 08146120236, 08097236759


  1. Avon HMO

The company got its registration in 2012 but operations started in 2013. The health maintenance organization is a company that is under Heirs Holdings Group. As long you have a subscription under them, the company will help you pay your medical expenses to ensure you are free from sickness. There are various health insurance policies for families, small groups, SMEs, individuals, and couples.

Address: 29, Rumens Road, Off Bourdillon Road, Ikoyi Lagos, Nigeria

Mobile Number: 07002779800


  1. AIICO Multi-Shield Nig. Ltd:

The health insurance company began operations in the year 1996, and it is one of the health maintenance organizations given accreditation by the National Health Insurance Scheme. Most of their healthcare service policies come at an affordable rate, and they make use of human resources and the best technology to offer quality services. They have various plans such as executive plan, magnum plan, standard plan, and super executive plan.

Address: 322, Ikorodu Road, Anthony B/Stop, Anthony Village, Anthony, Lagos.

Mobile Number: +234-012930823


  1. Princeton Health Limited:

It came into existence in the year 1999, and operations started in 2000. The Princeton Health Limited functions as a trusted intermediary between medical care providers and individuals. Their plans are family plan, couples plan, executive plan, and family plan.

Address: 25, Mogaji Are Road, Opp Vitas Bakery Ring Road, Ibadan, Oyo State.

Mobile Number: 07004004000, 08151205555


  1. Defense Health Maintenance Ltd:

The Defense Health Maintenance Limited is regarded as the military Health Maintenance Organization. It has various offices across Nigeria for people living in various states to take part in their healthcare service. People must enroll if they want to enjoy their services. When once you are a registered member of this healthcare insurance company, you will have the opportunity to enjoy their primary care provider.

Address: Plot 1323, Aderemi Adesoji Street, Off Samuel Jereton Marie Road, Gudu District, Abuja.

Mobile Number: 08069305886, 07037921025


  1. Mediplan Healthcare Limited:

The healthcare insurance company began in the year 2000, and they provide healthcare policies using the best hospitals in Nigeria. One of the things that had made them stand out from their contemporaries is based on the way they treat their subscribers.

They have numerous healthcare insurance policies to cover for staff in the Federal Ministry of Works, Federal Ministry of Labour & Productivity. The following are their plans – the ultimate health plan, enhanced health plan plus, all-purpose health plan, and many others.

Address: 332, Ikorodu Road, Idiroko Bus Stop, Maryland – Lagos.

Mobile Number: 08159394380, 08159394352,


  1. Clearline International Limited (HMO):

It was registered in 1994 and operations began in 1997. Presently, the company is having healthcare collaboration with over 2000 hospitals in the country. They have various health insurance schemes such as family, individual, and Corporate plans.

Address: Clearline House, 290 Ikorodu Road, Anthony, Lagos.

Mobile Number: 08076490101, 08076490111, 08071010840


  1. Reliance HMO

Reliance health maintenance organization is one of the health insurance companies that functions as a tech company. The reason behind this is based on the fact they make use of data science, software, and telemedicine to carry out their operations. The company offers affordable insurance policies for its customers. It will surprise you to know with a small amount of money you could obtain an individual plan.

Address: 18, Jimoh Oladehinde Street, Gbagada, Lagos, Nigeria

Mobile Number: 070073542623


  1. Swift HMO:

There are various plans in Swift HMO to meet the needs of different people in society. You have to put it at the back of your mind they offer health care policies for both small and large employers. The company has numerous healthcare service centers in Nigeria. In addition to it, the company can outsource medical specialists for their clients.

Address: FABAC Centre. 3 Ligali Ayorinde Avenue Victoria Island, Lagos.

Mobile Number:  08079438466, 07080601050


  1. Novo Health Africa HMO:

It is one of the National Health Maintenance Organization offering healthcare services in Nigeria. Their various plans are NHA Corporate Plans, NHA retail plans, and many others.

Address: Plot 10A Akiogun Road, Oniru Lekki, Lagos, Nigeria.

Mobile Number: 09090404387, 07037602736, +23412900047


  1. Pro-Health HMO:

It was founded in 2008 by the Nigeria Social Insurance Trust Fund to offer healthcare for both private and public sectors. Their head office is in Abuja with other offices situated in places like Kaduna, Port Harcourt, Enugu, Ibadan, Lagos, and Maiduguri. They have a wide range of healthcare services to meet the demands of the public.

Address: BASSAN Plaza, Plot 759 Independent Avenue Central Business District, Abuja

Mobile Number: 0700776432584


  1. Venus Medicare Ltd

Venus Medicare is another health maintenance organization created by Zenith Banking group. They offer health insurance policies to small employers, large corporate organizations, individuals, etc. The company partners with Nigerian Health Insurance Scheme to offer these different health insurance plans

Address: 2, Atakpame Street, off Ademola Adetokunbo Crescent opposite Ascon filling station, Wuse 2, Abuja.

Mobile Number: 070033330000, 07046096878


  1. Metrohealth HMO:

Metrohealth offers health insurance plans to both corporate entities and the general public. They use technology to offer their services. Their plans are corporate health policies, sweet sixteen plan, and retail health plans.

Address: St. Nicholas House, 26 Catholic Mission Street, Lagos, Nigeria.

Mobile Number: +23401460 6790, +234 0163 0038



We strongly believe that we’ve been able to provide you with a helpful list of 15 Health Insurance Companies in Nigeria  with their Full details, and Contact Address. If you however doubt the reliability of any of the listed health insurance companies identified above, you may visit the site and have a thorough look at  their profiles, carry out your research and draw our inference.

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