Top Health Insurance Companies in Nigeria
Health insurance is one of the necessities of life in this current dispensation. Health is life and a healthy man is a wealthy man. However rich you are, you will need good health to be able to enjoy your riches. Even those struggling to make it will also need good health. Good health is not all about being healthy at a particular time but also about having the assurance that even if something comes up, you will have the resources to tackle it. This is where health insurance comes into play. You need to have one to cover for unforeseen contingencies. It is not just health insurance particularly but insurance at large. We will be handling the top 14 insurance companies in Nigeria so as to enable you make the right choice of the insurance scheme of your choice.
List of Top Health Insurance Companies in Nigeria
Hygeia HMO Limited
Hygeia prides itself on customer service. According to its official website, Hygeia seeks to deliver a good customer service experience every single time. Hygeia HMO offers comprehensive health insurance services to corporate organizations, SMEs with 10 or more members. They have delivered first-class health insurance services for 27 years in Nigeria. Their managed care schemes provide an outstanding level of healthcare. Hygeia continues to define and set new standards for health maintenance services in Nigeria and Africa, deploying global best practices. They are focused on improving health care in Nigeria by constantly adapting to the ever-changing and complex needs of our clients. We aspire to ensure that everyone has access to affordable, quality health care.
Total Health Trust Limited
THT was the first HMO to register with Nigeria’s NHIS. It’s also the largest health insurance company in the Nigerian market with over 270,000 members. Total Health Trust’s vision is to be a national leader in pre-paid health care provision. Their mission is to provide affordable, quality healthcare to our enrolled population in the right setting through an accessible network of health care providers.
Healthcare International Limited
Healthcare International caters to international travelers. Because they have branches in many different countries, its members enjoy quality health coverage both at home in Nigeria and abroad.
Clearline International Limited
Clearline has 13 centers and 2000 health care providers nationwide. Clearline’s Director Dr. Segun Ogundimu served as Lagos’s Commissioner of Health and knows the ins and outs of Nigeria’s health care system. 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. It commenced operations in 1997 as a National health maintenance organisation.
They offer robust healthcare plans tailored to satisfy the needs of individuals, families, groups, companies and the public sector. It guarantees seamless access for enrollees to experience primary, secondary and tertiary levels of medical care.
United Healthcare International Limited
UHIL prides itself on transparency– there are no loopholes or hidden clauses in their contracts. UHIL’s insurance agents do their best to insure that members understand everything about their plan before they sign on the dotted line. United Healthcare International Limited is a limited liability company incorporated in January 2000. It is registered solely as a health maintenance organization. The National Health Insurance Scheme under the National health Insurance Act 35 of 1999 licenses it. It is accredited to function both as a private health insurance company and for participation in the formal/informal sector social health insurance programme administered by the NHIS. It is reaccredited in 2009. From year 2000 to date we have recorded growing enrolees base of over 800,000 across private and public sectors and we are currently positioned to serve enrollees base of more than 10,000,000.
Defence Health Management Limited
Defence Health Management Limited is jointly owned by the Ministry of Defence and Nigerian Armed Forces. DHML was formed to help fill in the health care needs of the Nigerian military because some medical needs are not covered by the standard military health care plan. Defence Health Maintenance Limited (DHML) is a corporate entity owned by Ministry of Defence and the Nigerian Armed Forces as a Health Maintenance Organization (HMO). It was established in response to the challenges of providing access to quality health care services for all eligible military personnel (serving and retired) and their families.
Maayoit healthcare Limited
At Maayoit, the emphasis is on innovation and customer service. Maayoit Healthcare Limited prides itself on its motivated staff, feedback-based customer service system and cutting-edge computer technology. Maayoit Healthcare Limited is a health maintenance organisation incorporated in 2000 with the sole objectives of rendering good quality healthcare to public and private sector groups.
Princeton Health Group
Princeton Health Group has been around since 1999, making it one of the oldest HMOs in Nigeria. It’s affiliated with Princeton Health Incorporated, an American health insurance company whose home office is located in New Jersey. Princeton Health is a Health Maintenance Organization founded in 1999 by a group of Nigerian Professionals from diverse backgrounds. It was incorporated on the 30th of November, 2000, registration number RC396486, with affiliation to Princeton Health Inc, Clifton, NJ, USA.It is structured based on a model developed from the American managed care system and suited to the rules of the National health Insurance Scheme.
On 9th of June 2005, Princeton Health Ltd was accredited as HMO/017 by National Health Insurance Scheme to operate as a Health Maintenance Organization – HMO in Nigeria
Healthcare Security Limited
Healthcare Security Limited offers health insurance products and services. The company was founded in 2005 and is based in Kaduna, Nigeria. As of June 27, 2011, Healthcare Security Limited operates as a subsidiary of UnityKapital Assurance Plc.Healthcare Security Limited was first accredited by NHIS in 2005 and was one of the first health insurance companies to get re-accredited in 2014. Their website features an easy-to-understand chart that provides a quick look at their entire different health plan.
Multi Shield Nigeria Limited
Multishield Limited was incorporated in 1997 as a Health Maintenance Organization. It commenced operations in the same year with prepaid health plans to cater for the health needs of individuals and corporate organizations. Multishield has a fully paid up share capital one hundred million naira and has a few cooperate investors e.g. AIICO Insurance PLC.Following the successful rating by Agusto & Co, which was commissioned by the National Health Insurance Scheme, Multishield was one of the first few pioneer Health Maintenance Organisations accredited to operate and provide comprehensive healthcare to Nigerians including Federal and State Government employees. Multi Shield offers some of the best preventative care services in Nigeria. It was one of the first 8 health care providers to register with NHIS the first time in 2005. In 2014, Multi Shield completed the NHIS re-accreditation process early again making it one of the first Nigerian health care providers to comply with NHIS’s new accreditation criteria.
Integrated Healthcare Limited
Integrated Health Care Limited is a limited liability company incorporated to carry out the business of health management services. The company with RC No 372504 was incorporated in 2000 by the Corporate Affairs Commission, Abuja under the Companies and Allied Matters Act, 1990. IHL features a 24 hour call center and an IT driven approach to health care. Their benefit package is one of the most comprehensive packages offered in the world, according to IHL’s official website.
Managed Healthcare Services Limited
Managed Healthcare Services Limited (MHS) is a national Health Maintenance Organization (HMO), accredited by the National Health Insurance Scheme (NHIS). The MHS office is housed in the MHS Centre situated in Ilupeju Estate with 12 branches nationwide. MHS was incorporated in 1997 and started operations in 1998. We offer prepaid medical services and third party administration through a network of accredited and highly qualified providers nationwide. MHSL’s core values are quality, promptness, professionalism, empathy and integrity. Any questions about their plans can be answered instantly via chat by sending a message to through their virtual consultant system.
Mediplan Healthcare Limited
MediplanHealthcare 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. Mediplan provides health insurance for Nigeria’s Federal Ministry of Works, Federal Ministry of Labour and Productivity as well as the Federal Ministry of Agriculture & Rural Development. Mediplan specializes in providing quality health care to Nigerian citizens located in rural areas.
Premium Health Limited
With over 250,000 members, Premium Health Limited is one of the biggest health insurance companies in Nigeria. According to their promotional material, Premium Health offers individual health care solutions with a personalized touch.
The above organizations make the list of top insurance companies in Nigeria. They are listed in no particular order. There are others of course but these companies above can give you what you want. Remember about the uncertainty of tomorrow and make hay while the sun shines.