HMO in Nigeria || 5 Benefits of Reliance HMO Plans

HMO in Nigeria || 5 Benefits of Reliance HMO Plans

Health is indeed wealth and the importance of getting good and affordable healthcare cannot be overemphasized. Before now I had always believed HMO in Nigeria are restricted for employees of an organization. So to enjoy all the benefits of HMO in Nigeria, you have to be a staff of the organization. But it is interesting to discover that this narrative is changing.

HMO in Nigeria

Before I continue, let me explain a little about what an HMO is. According to NairaMetrics, an HMO is an acronym for a “Health Maintenance Organisation” in Nigeria. They are companies mandated solely to manage the provision of health care services through Health Care Facilities (Hospitals, Opticians, Dentists etc) Accredited by the Scheme. Basically, they are an intermediary between the hospital and companies seeking to provide healthcare for their employees and families of their employees.

From the above, it truly appears you cannot enjoy all these benefits without been employed. You may want to ask, what happens in a case where I am not working and I really want to access these benefits of HMO in Nigeria. And you cannot afford to pay the exorbitant bills that comes with hospitals, then this post is for you.

Reliance HMO is one of the leading HMOs in Nigeria and overtime they have proven this with their amazing offers. What’s more? You get to access these benefits even as an individual for as low as N3,500 from any hospital in Nigeria.

Benefits of Reliance HMO

#1: Health Emergency

So often, we always assume we are immune to illnesses because we eat and live healthy. But we often forget we are exposed to germs everyday we wake up, either in our homes or surrounding environment. Earlier this year, I never thought I will ever break down to the point of being hospitalized but it did happened.

Whenever I plan my monthly budgets, hospital bill has never been on that list in the last 15 years or more. But came January, I was faced with hospital bills. It was a good thing I had access to one of the plans of an HMO in Nigeria which is Reliance HMO, otherwise I would have been running around to raise the enormous bill.

HMO in Nigeria

#2: Dependents 

The good news is that you can get to buy a plan for your family and they enjoy all the great benefits for as low as N3,500 monthly. If you are under the corporate plan, you can add all your dependents under you and they also get to access healthcare.


#3: Trusted HMO in Nigeria

This is coming from a personal experience having tried and trusted Reliance HMO amongst several others. I have previously tried 2 HMO in Nigeria and I remember being told that I can’t access a particular benefit even though it was expressly stated as at the point of registration. I called the customer care and they kept me on hold for several minutes. At the end of the day, I had to pay for it and told myself I was done with HMOs.

It’s so interesting that I enjoyed Reliance HMO benefits that I bought it for my parents as well. So far, it’s been so amazing that they deliver drugs straight to them at home without having to go to the hospital. Their customer service is indeed one I wish some Nigerian SMEs will model after.


#4: Access To a Gym and Spa

Imagine my surprise when I saw that I had access to a gym once a week and spa date once a year. I can now choose to limit my gym sessions to just Saturdays and play while I can get a spa session anytime during the year.

These benefits are available for corporate plans and even individual plans when you get a graduated health benefits mean. This means that not all benefits are available from day one, but more get added benefits the longer you stay on your insurance.

You can read more about the benefits here.

#5: Pre Existing Condition Benefit

I have heard some friends complain that some HMO in Nigeria do not accept customers with a pre existing condition as this would mean more expense for them and bad for business. But for Reliance HMO, I was able to buy a plan for my dad despite a pre existing condition.

Pre-existing conditions are serious illnesses that have existed at any time before the start of your insurance plan. Treatment or advice may have been received for such conditions in the past. These should not be confused with simple illnesses such as headache, malaria, typhoid fever and infections

Some examples of pre-existing conditions include hypertension, diabetes, epilepsy, cancer, lupus and haemoglobinopathies. This is not sold with the normal plans, rather, you purchase this benefit separately here.
Pre-Existing Condition

Have you ever bought any HMO plan in Nigeria? What are your experiences being like? Share your thoughts in the comment section.

For further inquiry, contact:




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Best HMO in Nigeria, Health insurance, healthy lifestyle, HMOs in Nigeria, Nigeria Insurance, Reliance HMO


  1. March 27, 2019 / 5:36 pm

    This is so valid and helpful. Never knew it existed for people like me! Thanks Debs for the information

    • Akingboye Deborah
      March 27, 2019 / 5:58 pm

      It does o and even better is that it’s so affordable and accessible.

  2. Chizi Laura Wali
    March 27, 2019 / 6:14 pm

    Thank you Debs for the info..was indeed helpful

    • Akingboye Deborah
      March 27, 2019 / 6:18 pm

      I’m glad you found it helpful 🖤

  3. March 28, 2019 / 6:15 am

    One thing that keeps bringing me back is how helpful you are. This was so informative as I never knew I could benefit from HMO…. Great post, Deb ♥

    • Akingboye Deborah
      March 28, 2019 / 8:46 am

      I’m super glad I could be of help, Sharon. Thank you for your kind words

  4. March 28, 2019 / 8:43 am

    This is quite informative Debs.

    • Akingboye Deborah
      March 28, 2019 / 8:47 am

      Thanks hun. Please feel free to register if you’d love to via the link in the post.

  5. Isioma Ononye
    March 29, 2019 / 2:56 pm

    Very informative posts and you look great by the way Debs!!

    • Akingboye Deborah
      March 29, 2019 / 2:58 pm

      Thanks dear, means a lot 🖤

  6. March 30, 2019 / 10:01 am

    HMO’s are very important and definitely come highly recommended. I’ve always been covered by one via my parents workplace and now have my own cover since I started working.

    Its always been a good experience and well managed too. No complain.

    Lovely to hear that this provider allows you access a gym and spa… Definitely a nice perk to throw in

    • Akingboye Deborah
      April 2, 2019 / 10:55 am

      That is so good for you. I’m sure when it comes to health bills, you have zero worries. Honestly, that perk is one of the highlights for me.

  7. Afolake Senkoya
    March 30, 2019 / 11:03 am

    Thank you for this. HMO is really helpful. I was once on Avon HMO and it was okay.

    • Akingboye Deborah
      April 2, 2019 / 10:52 am

      Glad to find someone attest to this.

  8. March 30, 2019 / 11:26 am

    Wow, thanks Debs. I already gave up on HMOs in Nigeria o, particularly because I worked at one sometimes last year and the benefits were so limited for individual plan, I will never buy it. But now I’m looking at trying this. Thanks so much

    • Akingboye Deborah
      April 2, 2019 / 10:52 am

      I can imagine how annoying it can be when you can get certain benefits because you are using an individual plan. Please let me know what your experience with Reliance is at the end of the day.

  9. Dako Alice Temitope
    March 30, 2019 / 6:09 pm

    Well, I hope I finally get around to finally getting a/an HMO and my pension account…. It is one of the things I really want to do for myself this year..

    This is really helpful and I am totally going to check out Reliance.

    • Akingboye Deborah
      April 2, 2019 / 10:50 am

      I am glad you already have the plans to put this in motion. Please do check them out using the link provided in the post and let me know your experience afterwards. thank you Alice.

  10. March 30, 2019 / 6:24 pm

    This is so helpful and informative.And I always find your articles so interesting.Please keep sharing the articles.

    Andrew |

    • Akingboye Deborah
      April 2, 2019 / 10:49 am

      Thank you Andrew.

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