🏥 What is an HMO?
A Health Maintenance Organization (HMO) is a licensed health insurance provider that offers medical coverage to individuals, families, and businesses through a network of hospitals and healthcare professionals. In Lagos, which is Nigeria’s busiest city, HMOs help streamline access to quality, affordable healthcare.
HMOs in Lagos
📍 Top 10 HMOs in Lagos (2025 Updated List)
1. Hygeia HMO
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📍 Address: 214 Broad Street, Elephant House, Floors 6–8, Lagos Island
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☎️ Contact: 0700-494342-466
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🌐 Website: www.hygeiahmo.com
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📝 Overview: One of the largest and most reliable HMOs in Nigeria, Hygeia offers health plans for individuals, families, SMEs, and corporate clients.
2. Total Health Trust (THT)
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📍 Address: 2 Marconi Road, Palmgrove Estate, Lagos
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☎️ Contact: +234 1448 2106, +234 812 241 3534
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🌐 Website: www.totalhealthtrust.com
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📝 Overview: Serving over 300,000 members, THT offers wide-ranging, NHIA-accredited health plans and strong nationwide hospital coverage.
3. Avon HMO
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📍 Address: 29 Rumens Road, Off Bourdillon, Ikoyi, Lagos
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☎️ Contact: 0700-277-9800, 01-277-9800
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🌐 Website: www.avonhealthcare.com
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📝 Overview: Popular for its flexible plans and digital tools, Avon HMO supports individuals, families, and corporate organizations with reliable healthcare coverage.
4. AIICO Multishield Limited
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📍 Address: Plot 144, Oba Akran Avenue, Ikeja, Lagos
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☎️ Contact: 01-460 7560
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🌐 Website: www.aiicoplc.com
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📝 Overview: A subsidiary of AIICO Insurance, this HMO offers personalized plans for small businesses and large corporations alike.
5. Clearline HMO
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📍 Address: 290 Ikorodu Road, Anthony, Lagos
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☎️ Contact: 01-774 1401
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🌐 Website: www.clearlinehmo.net
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📝 Overview: With a network of over 2,000 hospitals, Clearline has been serving Nigerians with trusted healthcare since 1994.
6. Mediplan Healthcare Ltd
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📍 Address: Capital Building, 332 Ikorodu Road, Idi-Iroko Bus Stop, Maryland
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☎️ Contact: 08159093838, 07084068760
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🌐 Website: www.mediplanhealthcare.com
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📝 Overview: Mediplan provides user-friendly healthcare plans for individuals and groups with a strong focus on affordability.
7. MetroHealth HMO
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📍 Address: 26 Catholic Mission Street, Lagos
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☎️ Contact: 08090235478
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🌐 Website: www.metrohealthhmo.com
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📝 Overview: Known for customer satisfaction, MetroHealth delivers personalized care packages and corporate health solutions.
8. NEM Health Limited
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📍 Address: New House, 199 Ikorodu Road, Obanikoro, Lagos
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☎️ Contact: 020-13300150
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🌐 Website: www.nem-health.com
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📝 Overview: A subsidiary of NEM Insurance, it delivers comprehensive health services to individuals and corporate bodies.
9. Oceanic Health Management
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📍 Address: 20 Ozumba Mbadiwe Avenue, Victoria Island, Lagos
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☎️ Contact: 01-270 3009
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🌐 Website: www.oceanichealth.com.ng
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📝 Overview: Oceanic Health, licensed by NHIS, offers managed care plans and emergency services across Nigeria.
10. Redcare HMO
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📍 Address: 6th Floor, Mulliner Towers, 39 Alfred Rewane Road, Ikoyi
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☎️ Contact: 0700-7332273
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🌐 Website: www.redcarehmo.com
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📝 Overview: Redcare serves individuals, families, and large companies with extensive healthcare packages and NHIA-compliant services.
✅ How to Choose the Best HMO in Lagos
When selecting an HMO, consider the following:
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✔️ Network of Hospitals: Are your preferred clinics included?
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✔️ Affordability: Are the plans within your budget?
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✔️ Emergency Coverage: Does it include 24/7 emergency response?
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✔️ Ease of Claims: Is the process smooth and digital-friendly?
📌 Final Thoughts
Whether you’re self-employed, managing a team, or seeking family health coverage, there’s an HMO in Lagos tailored for you. With dozens of NHIA-accredited options and growing digital features, Lagos residents now have more control over their health than ever before.