Best Health Insurance Companies in Nigeria: Top 10

This post will list top registered and accredited Health Insurance Companies you could register with

In one of our previous post, we looked at the Health Insurance Scheme in Nigeria extensively. Although, government claims to offer free health services in Nigeria, we know how poor such service can be and since no one wishes to fall ill, it is necessary to register with a top health insurance company that would take care of that.

Health insurance in Nigeria can be seen as a program which helps protect you against having to pay medical expenses in the event of falling ill or an occurrence of getting involved in an accident. To enjoy this health insurance service, register with an accredited health insurance company and remit some money on a monthly basis, depending on the health plan. The insurance company then covers all your medical expenses when the need for a health case rises

According to Nigerian Finder, below is a list of top registered and accredited health insurance companies you should consider registering with

1. HMO Limited

Hygeia HMO Limited is located at 11A, Idejo Street, of Ademola Odeku Street, Victoria Island, Lagos. They could be reached on 01-4617071.

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Hygeia is seen as one of the major health insurance firms in the country and has been dully by the National Health Insurance Scheme in 2005.

With affordable health care plans for both small scale industry or large corporate organizations, you are sure to get first class health insurance service.


2. Total Health Trust Limited

Total health trust limited is located on 2, Marconi Road, Palmgrove Estate, Lagos. They can be reached on 01-4801813.

Total Health Trust have proven to be one of the largest health insurance firms in the country at the moment.

Founded in 1998, the company has become a national figure in pre-paid health care service provision. This is shown in the number of NHIS-accredited clinics and hospitals owned by Total health.

The company’s head office is in Lagos and other regional offices are located in Kaduna, Abuja, PortHarcourt, Calabar, Ibadan, Benin, Ibadan, Enugu, Ilorin and Abeokuta respectively.

3. Clearline International Limited

Clearline international limited are located on 16, Oyefe Avenue, Off Ikorodu Road, Savoil B/Stop/Hallmark Assurance Plc, Obanikoro, Lagos.

Although, Clearline began as a national health maintenance organization, they started operation in 1997 and have consistently delivered quality health care service with over 2000 partner hospitals at their disposal.

Their healthcare plans are affordable and is designed to satisfy their various clients ranging from individuals, families, groups, companies and also the public sector.

With a customer friendly approach, the pair clients with a medical case officer to take care of matters relating to healthcare.

Some of their popular products as seen on their website includes the corporate health insurance scheme, tertiary health insurance scheme as well as the family and individual policy.

4. Healthcare International Limited

Healthcare International Limited is located at 308A, Murtala Mohammed Way, Yaba, Lagos. Their Abuja office is at 3rd floor, UACN Commercial Complex, Plot 272/273, Beside Arewa Suites, Central Business District, Abuja. They can be reached on 01-4705701 in Lagos or 09-6709099 in Abuja as they offer private health insurance services.

5. Medi Plan Health Care Limited

Medi Plan Health Care Limited is located in Plot 286B, AjoseAdeogun Street, Victoria Island, Lagos or at their Abuja office in Suite 42-44, God’s Own Plaza, Takun Close, Off Nkwerre Street, By Ahmadu Bello Way, Behind Unity Hosue (Rochas Foundation). They can be reached on 01-2611012 or 08033081650.

6. Multi Shield Nigeria Limited

AIICO Multi Shield Nigeria Limited is located at No 322, Ikorodu Road, Anthony, Lagos or at their Abuja office at Metro Plaza, Suite F18, 1st Floor (opp. National Defence College, Central Area, Abuja). Their customer service can be reached on 01-7737579 or 09-4619127.

The company began as a health maintenance organization and was the first HMO to be dully registered by the NHIS in 2005.

AIICO Multi shield also offers a wide range of health plans that are to easy to operate, giving you a nationwide range network of providers.

Their popular plans include:

  • Standard
  • Executive
  • Super-executive
  • Magnum and
  • Evacuation plans

7. United Healthcare International Limited

United healthcare international limited are located in NICON Plaza, 2nd Floor, Abuja. They can be reached on 08034086095.

8. Premium Private Health Trust Limited

Premium private health trust limited are located on 31B, Itafaji Road, Dolphin Estate, Ikoyi, Lagos or in their Abuja office at No. 5B, Kabo Street, Garki II, Opposite Eddy Vic Hotel, Abuja. They can be reached on 01-4614498 or 08023387494.

9. Ronsberger Nigeria Limited

Ronsberger Nigeria Limited are located at plot 359, Mambolo Street, Zone 2, Wuse District, Abuja. They can be reached on 09-5234162.

10. International Health Management Services Limited

International health management services limited provide regular health education and personalized health care services to their enrollees. They are located on 2, Joseph Street, Off Broad Street, Lagos. They can be reached on 01-4736933.

Update: Other top HMO’s in Nigeria that you can trust includes:

Integrated Healthcare Limited

Integrated Healthcare are also one of the major HMOs is in the country that uses IT driven approach to health care. The company was established in 2000 and are poised to provide reliable and affordable health care services.

You can visit their website for their products or their head office that is located in Garki, Abuja. They also operate a 24 hour call centre that allows their customers to make inquiries and receive answers.

Princeton Health Limited

Princeton Health is chaired by Prince Olagoke Oladinni but was established in 1999. They follow the American managed healthcare system model to suit the healthcare system here in the country.

Apart from the 24 hours help line for medical advice, the company’s services include:

  • Hospital registration
  • Specialist consultation
  • Emergency care
  • Primary care consultation
  • Annual physical
  • laboratory check up.

Princeton also operates the pre-paid and National Health Insurance schemes which also includes a 24 hours healthcare services and preventive healthcare programme.

Healthcare Security Limited

Healthcare Security is another top HMOs in the country known to provide premium healthcare services to their clients. You can locate their headquarters in Abuja. Their healthcare plans include:

  • Budget plan
  • Budget plus
  • Standard plan and the
  • Executive plan

Visit their website to get more information on the plans that suits you

Defence Health Maintenance Ltd (DHML)

DHML is one of the top HMOs in Nigeria accredited by the NHIS but owned by the Ministry of Defence and the Nigerian Armed Forces.

The company has consistently provided healthcare insurance services to military personnels and their families. Their head office is in Abuja, FCT

DHML currently operates 159 military primary healthcare providers plus 2000 civilian healthcare providers.


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