15 best health insurance companies in Nigeria and their locations

Health insurance provides healthcare security, as well as covers the medical expenses of an insured patient. A health insurance company accounts for the health risk of clients insured under it.

A monthly fee is specified and agreed between the insurance company and its client, and in the event of health challenges, the insurance company will cover for the medical expenses of its client. Since the introduction of the National Health Insurance Scheme (NHIS) by the Health Maintenance Organisations (HMOs) in Nigeria in 2004, there has been an improvement in health insurance in Nigeria.

Health maintenance organisations (HMOs) are private or public establishments established and registered by the National Health Insurance Scheme to manage the provision of medical and healthcare services within the country.

Currently, there are about 60 accredited HMOs which are fully operational in Nigeria. Here in this post, we’ll provide you with the 15 best accredited HMOs in Nigeria that offers healthcare and health insurance services.

List of accredited Health management organisations in Nigeria

Premium healthcare limited

With its headquarters in Ikoyi, Lagos state, Premium healthcare limited is said to be fully equipped to offer health and medical insurance services to individuals, groups, and private and public owned corporate entities across the country.

Avon healthcare limited – Like Premium Healthcare, Avon Healthcare limited is located at Ikoyi, Lagos state, and is also said to provide health insurance services to individuals, couples, families, groups, small businesses, and public and private business corporations. Their services are also said to be quite affordable, and this makes it a top choice for many Nigerians.

Healthcare international limited – Another Health management organisation located in Lagos, Nigeria, Healthcare International Limited also offers flexible and affordable healthcare and medical insurance services to its wide clientele which ranges from individuals to corporate bodies.

Total health trust limited – Located in Palmgroove Estate in Lagos, Nigeria, Total Health Trust Limited is another top Health Management Organisation in Nigeria that offers quality medical insurance services to individuals and public and private corporate bodies. Although their services are relatively more expensive than other Health Management Organisations in the country, the quality of their services makes up for this, as you’re assured of getting value for money when it comes to health insurance. The quality of their services also makes them the preferred health insurance company for expatriates within the country.

Integrated healthcare limited – With it’s headquarters in Nigeria’s capital city, Abuja, integrated Healthcare Limited offers medical insurance cover to individuals, families, and public and private corporations across the country. Alongside their health insurance packages, they also offer emergency services and counselling to their clients.

Prepaid medical services limited – Another Health Management Organisation located in Abuja, Prepaid Medical Services limited offers medical insurance to individuals, families and corporate bodies across Nigeria.

United healthcare international limited – With its headquarters in Lagos, Nigeria, United Healthcare International Limited offers health insurance services to individuals, families, groups, and corporate organisations, both public and private.

Mediplan healthcare limited – Mediplan Healthcare limited is a Health Management Organisation that was established in 2000 in Lagos state, Nigeria. They are said to be the preferred health insurance establishment for small and medium scale businesses in Nigeria, with their insurance packages covering a wide variety of budgets.

Zuma health trust – Zuma health trust is a Health Management Organisation located in the capital city of Nigeria, Abuja, that offers healthcare and insurance packages to individuals, families, and public and private corporate  entities.

Hygeia HMO Limited  – Hygeia HMO Limited is a Health Management organisation located in Marina, Lagos, Nigeria. They are said to be an HMO preferred by small, medium and large scale businesses within Lagos and across the country. Their insurance plans are said to be relatively affordable and are supported by a huge healthcare provider network nationwide. They also provide their individual and corporate clients with a healthcare savings account.

Metrohealth HMO Limited – Metrohealth HMO limited is located in Lagos island in Lagos state, Nigeria. Their focus is said to be on providing quick, quality, personalized and seamless healthcare and medical insurance services to their clients, no matter the age range – young, middle-aged, or old.

Clearline international limited – Clearline International Limited is one of the largest health management and medical insurance organisations in Nigeria. They are said to have over 2000 healthcare providers and thirteen healthcare centres nationwide. They have been accredited for over 2 decades now – hence, are one of the oldest HMOs in Nigeria – and their standards have not dropped since they received their operational license. They offer medical insurance services to individuals, families, groups and corporate bodies. They are located in Lagos, Nigeria.

Axa Mansard health insurance – Axa Mansard Health Insurance is a full health insurance company and not a Health Management Organisation like the rest earlier mentioned. They are a preferred choice for individuals, families and corporate bodies looking for robust and affordable health insurance packages. They are located in Victoria Island, Lagos.

Defense health management limited – Defense Health Management Limited (DHML) is a Health Management Organisation jointly owned by the Ministry of defense and the Nigerian Armed Forces. It was established to cover for the healthcare needs of the Nigerian military. It is located in the capital city of the country, Abuja.

Princeton health group – One of the oldest Health Management Organisations in Nigeria, having been around since 1999, Princeton Health group is associated with Princeton Health Incorporated – an American Health Insurance company located in New Jersey – and offers health insurance services to individuals, groups and corporate bodies.


Nigeria’s health insurance sector has experienced commendable growth since the introduction of the National Health Insurance Scheme (NHIS) in 2004. This growth has seen Health Management organisations and health insurance companies in the country come up with quality and affordable insurance packages for their respective clients. Insured individuals, families, and business entities now have their medical needs catered for, and also have full medical assurance in case of emergencies. We hope this article has been helpful. Let us know.

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