Product overview
Health Plans (HMO) explained
Our HMO partners cover routine consultations, hospitalisation, maternity, dental and optical — with telemedicine baked in. Family plans extend the same cover to spouse and up to four dependants.
What is an HMO plan?
A Health Maintenance Organisation (HMO) plan is a pre-paid healthcare arrangement. You pay an annual premium and access a network of accredited hospitals for routine and emergency care without paying per visit.
Why you may need it
- Predictable healthcare cost — one annual premium covers most needs.
- Access to a wide network of accredited Nigerian hospitals.
- 24/7 telemedicine consultations included on most plans.
- Maternity, dental and optical benefits on family-tier plans.
Typical plan tiers
- Individual — for single adults.
- Family — principal + spouse + up to 4 dependants.
- Corporate / SME — group plans with administrative dashboard.
- Senior citizen — tailored for retirees and pre-retirees.
What you need to apply
- Names, dates of birth and genders for all lives covered.
- Recent passport photographs for each enrollee.
- Means of identification (NIN, BVN or passport).
- Preferred primary-care hospital, if any.
Common exclusions
- Pre-existing conditions during a waiting period (usually 6–12 months).
- Cosmetic surgery and other elective procedures.
- Treatment outside the accredited hospital network.
- Claims arising from intentional self-injury.
FAQ
Frequently asked questions
Yes. Most family HMO plans allow newborns to be added with a short notification — usually within 30 days of birth, without underwriting.
Emergency treatment outside the network is typically reimbursable up to a stated limit. Non-emergency care outside the network is generally not covered.
Dental and optical benefits are usually included on family-tier plans, with stated annual caps. Individual plans may include them as optional add-ons.