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Top Health Care Providers And Health Care Plans In Nigeria

A Health Maintenance Organization (HMO) is a private or public incorporated company registered by the National Health Insurance Scheme solely for the purpose of managing the provision of health care services through Health Care Facilities accredited by the Scheme. In 2012, there were sixty – six (66) accredited Health Maintenance Organizations (HMOs) in Nigeria. According to the recent release on the NHIS website in 2014, these are the list of different accredited Health Maintenance Organizations (HMOs) in Nigeria:

  • Hygeia HMO Limited
  • Total Health Trust Limited
  • Clearline International Limited
  • Healthcare International Limited
  • Medi Plan health care Limited
  • Multishield Nigeria Limited
  • United Healthcare International Limited
  • Premium Health Limited
  • International Health Services Limited
  • Zenith Medicare Limited
  • Zuma Health Trust
  • Prepaid Medicare Services Limited
  • Accessible Managedcare Limited
  • MetroHealth HMO Limited
  • Police Health maintenance Limited
  • Princeton Health Group
  • Defence Health Maintenance Limited
  • Healthcare Security Limited
  • Strategic Health Planners Company Limited
  • Sterling Health Care Managed Services Limited


There are seventy-seven (77) accredited HMOs currently operating in Nigeria. The rest of the other Health Maintenance organizations can be accessed on the NHIS website: www(dot)nhis(dot)gov(dot)ng/hmos.

What are the functions of the HMOs?

These organizations have many functions which include:

  • Collection of contributions from voluntary contributors
  • Collection of contributions from registered employers and employees registered under the private health insurance.
  • Ensure that the processing of claims (Secondary services) are carried out effectively
  • Ensure the timely payment of capitation to Primary health care facilities and fee-for-service to Secondary and Tertiary health care facilities.
  • Rendering to the Scheme monthly returns on capitation and fee-for service payment within 30 days of the following month.
  • Collection and submission of encounter data forms from Health Care Facilities (HCFs) to NHIS
  • Contracting with only Health Care Facilities accredited by the Scheme for the purpose of rendering health care services
  • Ensuring that contributions are kept in the Scheme’s accredited banks
  • Establishing and ensuring a quality assurance system for the provision of quality health care by Health Care Facilities. Quality Assurance monitoring of HCFs by HMOs shall be quarterly and the reports sent to NHIS within one month.
  • Ensure timely approval of referrals and undertake necessary follow up to complete referrals
  • Carry out continuous sensitization of enrollees
  • Marketing in accordance with NHIS Guidelines
  • Marketing of health plans to employers/enrollees of different public and private sectors
  • Collect appropriate contributions and make necessary payments to the appropriate pools in a timely manner
  • Rendering accounts to the NHIS as stipulated in NHIS operational guidelines
  • Comply with other provisions as spelt out in the Operational Guidelines
  • Carrying out such functions as are contained in the NHIS operational Guidelines.


According to the pronouncement by the CEO (Chief Executive Officer) of the NHIS on 19th June, 2014, plans have been made and programs designed to improve healthcare technology where about 20 million Nigerians can pay for their healthcare services through mobile phones. Plans have also been concluded for digital management to take care of primary school children and all pregnant women and children in 2015.

Health Care Plans:

A health plan is a set of defined health care benefits offered to the enrollee at a premium payable as agreed by the involved parties. There are basically two main types of health care plan used in Nigeria which are HMO and Out- of- Pocket (OOP) Plans. The HMO plan has been explained in the beginning while the OOP is the plan where you pay for the health services from your private pocket in a lump sum at once. This plan is very expensive and the main cause of people avoiding the use of hospitals and resorting to alternative medicines. The HMO health plan should be extended to all Nigerians even in the remote parts of the country for easy access to quality health care.


  1. I want to buy a health care plan

    Comment by uche on July 14, 2016 at 1:33 pm

  2. Hi Uche, please make use of the health insurance quotes comparison portal at the top of this site. It’s free!

    Comment by Admin on July 14, 2016 at 1:42 pm

  3. i would like to know which of the health providers i can consider for about 10-15 staff and the cost implications, as most of them havent got email addresses to send a mail.

    Comment by Becks on July 22, 2016 at 1:51 pm

  4. Premium costs depends on the actual health plan and provider(s) you want to settle for.. Use the free quotes portal on top of this site to request free information from your preferred HMOs. We can call you as well if we had your phone number.

    Comment by Admin on July 22, 2016 at 2:09 pm

  5. Hello Admin, Thank you for a very informative website,i will like to know how I can get the accreditation checklist OR something like that,that the NHIS uses to accredit hospitals e. g for HMOs.

    Kind regards Ade – 0708676****

    Comment by Ade Adediran on August 21, 2016 at 3:07 pm

  6. Hi thanks this is a very useful information for me hope to share it with my website audience hope you don’t mind

    Comment by healthfitness on August 27, 2016 at 10:27 pm

  7. i would like to know which of the health providers i can consider for about 10-15 staff and the cost implications. I also want to know the rates of each plans?

    Comment by cynthia on September 6, 2016 at 3:28 pm

  8. Please call 09078595250 for assistance.

    Comment by Admin on September 7, 2016 at 10:05 am

  9. Please, I’ll like to know the kind of scheme that will entitle one for free health care even after retirement.

    Comment by Ajayi Peter Oluwaseun on December 4, 2016 at 11:30 pm

  10. Please can u recommend for me a HMO that will be less costly for rural dwellers. How do I register my hospital under this scheme so that my clients can benefit from this service.

    Comment by Frank on June 25, 2017 at 1:31 pm

  11. How can I get health insurance here in Nigeria, for my studies abroad?

    Thanks and I look forward to hearing from you soon.

    Comment by Fortune on October 19, 2017 at 10:22 pm

  12. Hello Fortune, I think what you require is a travel health insurance. Feel free to reach us anytime on 09078595250.

    Comment by Admin on October 27, 2017 at 8:55 pm

  13. Please can i be informed of the criteria to look for when seeking for a good and reliable hmo?

    Comment by john on August 29, 2018 at 4:30 pm

  14. Hi John, I’ll consider HMOs with track record, huge provider network and flexible health plans any day! We can see you have submitted a quote request, you’ll be reached shortly..

    Comment by Admin on August 29, 2018 at 7:15 pm

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