Health Maintenance Organizations (HMOs) pretty much offer health insurance. You pay a certain annual/quarterly fee through a provider, and with that fee you’re eligible to access managed care and other health benefit plans for the period you’ve paid for.
It works like a car insurance. You insure your care against damage or accidents at the start of a period. So, if you get hit by another car on the express or run into a tree because your brakes failed –you get compensation. Of course, you’re not hoping to bash your car, it’s just a protective measure.
This is the same with a health insurance plan. You don’t aim to fall sick, but when you do you can access care without worrying about constant payments.
Nigeria’s national health insurance scheme lists about 40 Accredited HMOs. We’ve compiled few of them.
Hygeia HMO Ltd
Hygeia HMO limited is located in Lagos Island, Lagos state. They have branches in Kano, Port Harcourt, Abuja and Calabar. Hygeia provides their clients with individual and group health insurance for different budgets.
Axa Mansard Ltd
Axa Mansard’s parent company is a leading provider of health, life and general insurance services in Nigeria. Their head office is located in Victoria Island, Lagos but they are accessible in Abuja, Enugu and Port Harcourt. They offer different health packages to suit ever changing budgets.
Prepaid Medicare services
Prepaid medicare offers prepaid services designed to meet the unique health needs of families, corporate organisations and communities. Their head office is located in Abuja.
Mediplan healthcare Ltd
Mediplan have their head office in Maryland, Lagos state. They are available in other parts of the country like Oyo, Ondo, Abuja, Port Harcourt, Enugu, Kaduna, Osun and Gombe. Mediplan provides a selection of health packages to choose from.
Metrohealth is located in Lagos state. They provide efficient patient client services with corporate, retail and sixties packages.
Clear line HMO
Clear line HMO offers robust healthcare plans tailored to satisfy the needs of groups, companies and families. They are located in Ikorodu road, Lagos but have branches in Yobe, Port Harcourt, Taraba, Abuja, Bauchi, Kano, Enugu, Benin and Ekiti.
Integrated health care Ltd
Integrated health care’s scheme provides clients medical aid with various customized care services. They are located in the Federal capital territory.
Total health trust
Total health trust is a subsidiary of Liberty Holdings of South Africa. They have a network of healthcare providers nationwide although their head office is in Lagos.
Avon HMO not only provides health insurance but offer on – site health risk assessment, employee wellbeing and occupational health management. Their head office is in Ikoyi, Lagos but they have branches in Asaba and Abuja.
United healthcare International
United health care provides health insurance plans of different ranges for retail and corporate organisations /individuals. They are located in Lagos.