Nothing is more crucial in protecting your health than having access to quality medical care.
For this reason, a growing number of people are actively looking for health plans that provide peace of mind, flexible coverage, and genuine value.
Knowing the top health insurance plans in Nigeria can be the first step to improving yours and your loved ones’ health, regardless of the kind of work you do. Weather you’re as an artisan, a freelancer, or a business owner.
But how can you choose the best health insurance plan for your family when there are so many options available?
Let’s break it down….
Why You Need Health Insurance Plan
In Nigeria, many individuals and families still rely on out-of-pocket payments for medical care. One emergency can wipe out months of savings.
As parents , nothing is more heartbreaking than not being able to afford treatment for your child. A good health insurance plan gives you the assurance that quality care is available when needed—without breaking the bank.
Want a plan that feels like it was built just for you? Explore myAdvantage now.
What Makes a Health Insurance Plan “Family-Friendly”?
Not all health plans are created equal. The best health insurance plans in Nigeria often offer:
- Affordable premiums
- Coverage for both outpatient and inpatient services
- Access to a wide coverage of quality hospitals
- Maternity and child health services.
- Emergency medical support
- Telemedicine & online consultations.
Top Health Insurance Plans in Nigeria
myAdvantage Health Plan/Cover
If you’re looking for a budget-friendly health insurance plan tailored for individuals and SMEs—this one’s for you. myAdvantage offers; access to a wide range of partner hospitals nationwide, free telemedicine consultations, easy payment options, including Buy Now, Pay Later, and guaranteed cash back if unused.
Cost: The plan is priced at ₦70,000 per year and offers a cash back guarantee if unused.
Avon HMO
Avon HMO offers a variety of health plans for individuals, families, and businesses, but stands out for its “couple plan,” which takes into account many married people without children. Their network comprises a wide range of healthcare providers ensuring comprehensive coverage, including maternity care, chronic disease management, and preventive services.
Cost: Their plans start at ₦27,500 for individuals, while their couple plans go for ₦80,696 per year, and their family plans for ₦222,750.
AXA Mansard HMO
AXA Mansard offers a variety of health insurance plans that provide comprehensive healthcare coverage, including; doctor consultations, laboratory tests, medication, and emergency care.
Cost: They have a subsidized plan starting at ₦12,000 for 6 months but more comprehensive plans for individuals start at ₦58,446.
Novo Health Africa
Individuals, families, and businesses can choose from a variety of health plans offered by Novo Health Africa HMO. They also provide plans for Nigerians living abroad who want to pay for the medical care of a loved one. Their health plans provide; emergency care, specialised treatments, and both inpatient and outpatient services.
Cost: The annual starting price for their plans is ₦31,500.00.
Clearline HMO
Clearline HMO provides health insurance plans with comprehensive coverage and are reputable for providing reasonably priced healthcare services for individuals, families, and corporate clients.
Cost: ₦50,000 is the starting price for their personal care plans.
Hygeia HMO
Hygeia HMO offers a wide range of health plans including specialized care for senior citizens and maternity needs. Their vast network of affiliated clinics and hospitals sets them apart and guarantees comprehensive healthcare coverage.
Cost: The annual cost of their individual, family, and senior citizen plans are priced at ₦55,590, ₦230,112, and ₦203,796 respectively.
Leadway HMO
As a division of Leadway Assurance Company, Leadway HMO is renowned for its quick claims resolution, excellent service standards, and solid capital base. They provide packages that address various medical requirements, such as emergency care, specialist consultations, and inpatient and outpatient services.
Cost: The annual starting price for their plans is ₦69,998.50. Additionally, they provide packages for small and medium-sized businesses as well as large corporations.
Reliance HMO
Because of its extensive range of employee health services, Reliance HMO stands out among Nigerian health insurance providers. Their comprehensive approach, which includes preventive care, mental health support, and even benefits like access to a gym and spa for general well-being, is what really distinguishes them from other HMOs.
Cost: Their basic plan for individuals is priced at ₦3,500 per month and it ensures basic healthcare coverage for enrollees.Their annual price is at ₦42,500.
How to Choose the Right Health Insurance Plan for Your Family
Here are few things to consider before making a decision:
- Budget: What can you afford monthly or annually?
- Coverage: Does it include your spouse and children?
- Network of Hospitals: Are they accessible from where you live or work
- Digital Access: Can you reach a doctor online or via digital channels e.g web or mobile app?
Final Thoughts
Choosing the right health insurance plan for you or your family in Nigeria doesn’t have to be complicated. The best plans are the ones that offer real value, are easy to access, and don’t break the bank. myAdvantagewas created with individuals and families like yours in mind—affordable, flexible, and designed to fit into your life. Ready to put your family’s health first? Sign up for myAdvantage health plan today.
