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How To Buy Health Insurance In Nigeria

If you have decided that paying out of your pocket is no longer the best option and you require a more reliable and convenient access to health care, here is how you can buy a health insurance policy in Nigeria.

Contact the offices of the different Health Maintenance Organizations (HMOs) in Nigeria through the nhis.gov.ng/hmos link. The names and contacts of the different health care companies are available on this website. This information can also be accessed on www.insurancequotes.ng by getting free health insurance quotes from different underwriters and health maintenance organizations in the country. If you are a working with a private company or government sector, find out if your organization has begun making plans for health insurance for the employees or if there is an already existing health insurance contract with any HMO. If you are self-employed, there is a plan for self-employed individuals.

These are some of the details you will need to provide while applying for or buying health insurance as an individual or self-employed person:

  • Your personal data (full name, nationality, age, residential address, gender, occupation, etc.)

  • Type of previous ailments suffered by you or your family members for example, glaucoma, diabetes, major surgery, hospitalization for more than two (2) weeks, asthma, sickle cell, etc. as the case may be.

  • The type of plan you desire to enroll. This is to know if you are subscribing as an individual or for you and your family. There are different plans available which are ranked according to the medical services provided. You should find out what is involved in each of the health insurance package before choosing any of them so that you do not have problems in future when you require some health care. For example, your health insurance choice may be covering hospital admission in a semi-private ward but will not be able cover admissions in a private ward or your insurance package may cover maternity and immunization but may not cover some immunization vaccines like MMR or any other vaccine. So, it is important that you make all the necessary inquiries and read about the plans provided by your chosen health care insurance provider before buying a health plan.

  • List of eligible dependents which include your spouse and four (4) children under the age of 18 or 21 years depending on the HMO you chose for your insurance.

  • Your passport photographs and those of your dependents.

There are corporate health insurance plans offered by different HMOs. These plans range from instant health, to executive or zenith health (these terms differ with HMOs). The life of your employees is very important to the company I guess, so in a case of emergency at work or injury that can be life threatening at work, the health insurance will help your employee get access to medical care instantly because an ambulance will be provided through the health insurance plan which can be obtained for just less than one thousand naira (1000 Naira) if for example you are using a Zenith Medicare insurance plan. This will give your company a better public image giving off the impression that your employees are very well taken care of. Funding for the insurance comes from deductions from the employees’ salary which makes it easier for the company and the employees too. Before making the decision to buy health insurance for your company employees, it is important that you compare plan through insurancequotes.ng and then choose the number of people you want to cater for in your company as well as the right plan that suits your company policy and your employees.


  1. Please I just want to enquire about buying health insurance. I got admission to study in U.S and the school advise one to procure health insurance in their country as it is very expensive over there. Do you offer such service that can cover my health insurance throughout my study over there?


    Abaneke Nathan.

    Comment by Abaneke Nathan on April 8, 2015 at 2:47 pm

  2. Hi Abaneke, the answer is yes.. but it’s pretty much expensive as well depending on your age. Premium rate for this kind of cover can fall between $8,000 and $10,000.

    Comment by Admin on April 10, 2015 at 11:29 am

  3. Can I get health insurance that is cheap for me alone in Nigeria? and for how much?

    Comment by fanimi ola on November 4, 2015 at 10:33 am

  4. Hi, please use the form on the health insurance section to receive free insurance rate quotes.. Thanks.

    Comment by Admin on January 7, 2016 at 8:13 am

  5. Please, what step to take as an individual to register for nhis

    Comment by Idoko oche on April 8, 2016 at 7:53 am

  6. Hi Idoko, You should begin with getting free quotes from different Health plan providers. Visit the health insurance page here to commence this process.

    Comment by Admin on April 8, 2016 at 8:02 am

  7. I need a self employed insurance scheme for members from 500 or less. How do I go about it. Pls provide the insurance quote for a all the plans. And such a provider will come for introduction inmy church@ oyigbo, rivers state. I urgently need feed back.

    Comment by ifeoma o. on May 21, 2016 at 3:34 am

  8. Hi Ifeoma, kindly take advantage of the health insurance quotes comparison feature of this site. It’s free!

    Comment by Admin on July 6, 2016 at 9:05 pm

  9. Please, if my employer has an ongoing health insurance scheme and I wish to enroll in it, am I going to start paying the premium from the month I joined or in arrears from the beginning of the year?

    thank you

    Comment by sunday on July 6, 2016 at 5:10 pm

  10. Hi Sunday, I think the answer is quite straightforward. Your premium should start from the month you joined.

    Comment by Admin on July 6, 2016 at 9:08 pm

  11. I need a health insurance for apply for my visa, please how much can I get a cheap one, I need it ASAP

    Comment by Sadiya on August 31, 2016 at 7:37 pm

  12. Hi, you can always use the quotes button on top of this page or call 09078595250 for assistance.

    Comment by Admin on September 2, 2016 at 7:31 am

  13. Can I hold insurance with two or more HMOs

    Comment by Sam on March 31, 2017 at 6:13 am

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