In this article, we bring to you the top 10 best health insurance companies in Nigeria 2023. These health maintenance organizations (HMOs) help individuals or the employees of corporate bodies with the necessary medical assistance in the case where they may need it urgently and when they may not be able to take care of themselves financially.
The health insurance companies provide these medical assistances financially after entering an agreement with individuals and/or corporate bodies who are willing to make regular payments to these health maintenance organizations (HMOs) in exchange that the HMOs will pay most or all of the costs of their medical care whenever such individuals or corporate entities may need it at a time when they may not have the means to pay.
All health insurance companies in the country have their various terms of service which individuals and corporate bodies must abide by, and the terms and conditions of some health maintenance organizations (HMOs) may or may not cover for chronic illnesses as they will rather manage and prevent illnesses which cost less so as to prevent it from worsening and becoming something they will spend more on.
You should note that every HMO has a network of health providers that they collaborate with to provide healthcare at a subsidised rate to their clients. Ensure to look up these partner hospitals before eventually settling for the one that benefits you. Be that as it may, there are many companies in Nigeria offering excellent HMO services and we shall be looking at some of the leading ones we have in the country in no particular order as we continue below.
TOP 10 BEST HEALTH INSURANCE COMPANIES IN NIGERIA 2023
The following are the 10 best Health Management Organizations/Health Insurance Companies in Nigeria this 2023:
TOTAL HEALTH TRUST LIMITED
Total Health Trust, also known as THT, helps make healthcare work in Nigeria. This health management organization enables its customers to access affordable, reliable healthcare and they support healthcare providers in their efforts to deliver it. The company is one of Nigeria’s leading Health Insurance Companies that was founded in 1997 and commenced operations in June 1998.
For over 21 years, they have built a formidable reputation in Nigeria and remain one of the choicest HMOs for over 300,000 members, over 500 corporate clients and government institutions. THT has one of the largest networks of independent service providers, made up of over 1200 private and more than 5,000 NHIS-accredited clinics and hospitals throughout the country.
Their success as a leading HMO in Nigeria resulted in the company being acquired by Liberty Holdings of South Africa, a pan-African financial services provider. The investment by Liberty Holdings brought in improved administration capacity, technology, and expertise to support and augment THT’s proven experience in this area.
Another key development resulting from the investment was the introduction of an innovative and unique fee for service health insurance product, Liberty BLUE Health Insurance, with options ranging from local cover to worldwide cover, which complement the Managed Care Plans traditionally offered by THT. This company’s head office in Nigeria is located at 2, Marconi Road, Palmgrove Estate, Lagos, P.O. Box 3880, Mushin, Lagos.
MEDIPLAN HEALTHCARE LIMITED
Mediplan Healthcare Limited is a Health Maintenance Organization incorporated in May 2000 in Nigeria to carry on the business of providing healthcare services to corporate organizations and members of the public, under a prepaid arrangement, utilizing a network of primary, secondary and specialist healthcare providers nationwide.
It is a leading health insurance company in managed medical care delivery, and is duly accredited by the National Health Insurance Scheme (NHIS) as a HMO to participate in the National Health Insurance Scheme. Apart from the numerous corporate clients and individual policy holders, Mediplan provides health cover for the staff and their dependants of the Federal Ministry of Works, Federal Ministry of Agriculture and Rural Development, and Federal Ministry of Labour and Productivity.
They also provide coverage for men and officers of the Nigerian Police Force and their dependants in Oyo, Osun and Ondo states in Nigeria. Their goal is to elevate the quality of healthcare services to the highest level in the country at an affordable cost and it is in furtherance of this that the Company was established to fully participate in the provision of healthcare services in the country using Managed Care.
Managed Care is a system of delivering a set of healthcare services to defined voluntarily enrolled clients through a network of Healthcare Providers (HCP) such as hospitals, clinics, pharmacies, etc., and the system ensures improved health outcomes at very reasonable cost. It is a prepaid scheme, in which payment for healthcare coverage is in the form of insurance premium, which is calculated as a fixed amount per person per annum. Their head office is located at Capital Building, 2nd & 3rd Floors, 332, Ikorodu Road, Idi – Iroko Bus Stop, Maryland, Lagos, and you can contact them by mail through firstname.lastname@example.org.
AIICO MULTISHIELD HEALTHCARE LIMITED
AIICO Multishield Limited commenced operations in 1997 and this health insurance company is one of the first set of Health Maintenance Organizations accredited by the National Health Insurance Scheme (NHIS).
The company has consistently delivered throughout the years and they specialize in providing a variety of health plans which include health promotion and preventive healthcare, which when further broken down, extends to standard, executive, super-executive, and magnum plans with their various prices and benefits. They are located at 322, Ikorodu Road, Anthony Bus Stop, Anthony, Lagos. Their email address is email@example.com.
HYGEIA HMO LIMITED
Hygeia HMO offers comprehensive health insurance services to individuals and families as well as Small and Medium Enterprises (SMEs), and large corporate bodies. This health insurance company has consistently delivered impressive health insurance services in Nigeria since 1986.
Hygeia HMO continues to define and set new standards for health maintenance services in Nigeria and Africa, deploying global best practices. They are focused on improving healthcare in Nigeria by constantly adapting to the ever-changing and complex needs of their members and clients. If you want to know more about them, you can visit them at
Floors 6-7, Elephant House, 214, Broad Street, Lagos Island or send them an email via firstname.lastname@example.org.
INTEGRATED HEALTHCARE LIMITED
Integrated Health Care Limited is a limited liability company incorporated to carry out the business of health management services. The company was incorporated in 2000 by the Corporate Affairs Commission, Abuja under the Companies and Allied Matters Act, 1990.
They have over 19 years experience in the HMO business and throughout their existence as a health insurance company, they have consistently delivered quality health care services to their clients all over the country. For more information on their services you can send a mail to email@example.com or visit their head office at 19, Jos Street, Area 3, Garki District, Abuja.
UNITED HEALTHCARE INTERNATIONAL LIMITED
United Healthcare International Limited ranks as one of the best HMOs in Nigeria as well. This health insurance company provides affordable and efficient health services to its clients, helps improve the quality of healthcare in the country, facilitates increased access to healthcare, etc. You can send an email to them for enquiries via firstname.lastname@example.org.
HEALTHCARE SECURITY LIMITED
Health Care Security Limited is a NHIS accredited Health management organization (HMO) that seeks to help Nigerians to access quality Health care services. They and their Health Care Providers nationwide have an understanding not just to deliver customer satisfaction but world class treatment to their clients in line with contemporary industry standards. Their head office is located in Abuja and they also have regional offices all over the federation.
CLEARLINE INTERNATIONAL LIMITED
Clearline International Limited (HMO) is a limited liability company, incorporated in January 1994 and duly registered with National Health Insurance Scheme (NHIS) to underwrite health insurance in Nigeria. They commenced operations in 1997 as a National health maintenance organization.
This health insurance company offers robust healthcare plans tailored to satisfy the needs of individuals, families, groups, companies and the public sector. They guarantee seamless access for enrollees to experience primary, secondary and tertiary levels of medical care.
Their services commit to creating value through sound coordination and delivery of health care services, enhanced wellness programmes and improved clinical outcomes. The company has a network of over 2000 partner hospitals nationwide, to ensure that their enrollees have access to quality medical care wherever they might be. They are located at 290, Ikorodu road, Anthony, Lagos and you can contact them by email via email@example.com.
PRINCETON HEALTH LIMITED
Princeton HMO was founded in 1999 and incorporated in 2000. It is a health insurance company that was conceived as an emissary of change, whose assignment is to bridge the gap between the populace and medical care providers. They are in operation to ensure that everybody has access to qualitative medical care regardless of their age, tribe, academic qualification or social status and they aim to inspire and promote the image, lifestyle, and healthy living of their clients by promptly responding to their health issues round the clock.
PREMIUM HEALTH LIMITED
Premium Health Limited is a Health Maintenance Organization (HMO) registered in 1997 to deliver health maintenance services. The company is located at 31B, Itafaji Road, Off Corporation Drive, Dolphin Estate, Ikoyi, Lagos and it boasts of having a customer base of over 250,000. They are one of the best in the business today.