Getting health insurance in Nigeria is fairly straightforward once you know the options. Here’s a clear guide to help you:
1. Choose the type of health insurance
In Nigeria, there are two main routes:
A. National Health Insurance Authority (NHIA)
Formerly NHIS (National Health Insurance Scheme)
Government-backed and usually cheaper
Covers basic healthcare services (consultation, drugs, maternity, etc.)
Common plans:
Formal sector plan (for salaried workers)
Informal sector plan (for self-employed, traders, students)
👉 Best if you want affordable, basic coverage
B. Private Health Insurance (HMOs)
Health Maintenance Organizations (HMOs)
Popular providers include:
Hygeia HMO
AXA Mansard Health
Avon HMO
Reliance HMO
Leadway Health
They offer:
Individual plans
Family plans
Corporate plans
👉 Best if you want better hospitals, faster service, wider coverage
2. Pick a plan that fits your needs
Compare plans based on:
Budget (monthly or yearly premium)
Hospitals available in your area
Coverage (e.g., surgery, maternity, dental, eye care)
Waiting periods for certain treatments
3. Register or apply
For NHIA:
Visit an NHIA office or accredited agent
Or register through a participating HMO
Provide:
ID (NIN, voter’s card, etc.)
Passport photo
Basic personal details
For Private HMOs:
Go to their website or office
Fill out an online form
Choose a plan and pay
You’ll get:
A hospital list
Your enrollee ID/card
4. Select a hospital
You’ll choose a primary healthcare provider (PHP)
This is where you go first for treatment
Referrals are given for specialists if needed
5. Start using your insurance
After registration (sometimes 1–4 weeks activation)
Visit your chosen hospital with your ID
Most costs are covered; you may pay small co-payments
Typical costs (rough idea)
NHIA informal plans: ₦10,000 – ₦30,000/year
Private HMOs:
Basic: ₦20,000 – ₦60,000/year
Standard: ₦70,000 – ₦150,000/year
Premium: ₦200,000+
Quick tips
Always confirm hospitals near you are covered
Read what is not included (e.g., major surgeries, chronic illness limits)
Ask about emergency care and drug coverage
Family plans are usually cheaper per person