[Review] 6 sources for health insurance in Nigeria (and prices)

Not long ago, a friend of mine woke up to excruciating stomach ache. He rolled on the floor, cried and vomited all he had eaten the previous night. His widowed mother rushed him to the hospital and soon after, he was diagnosed with acute appendicitis. He needed surgery, fast.

Impressively for a small Surulere hospital, he was successfully operated on that evening but he was lucky – his mother had health insurance through her work.

How does health insurance work in Nigeria?

 

what_is_health_insurance

Health insurance works in a similar way to other forms of insurance. You pay some money (called a “premium”) to the insurance company to cover you for certain stipulated incidents. If you fall sick, the insurance company pays for your medical expenses or reimburses your payments, depending on the nature of the agreement.

In Nigeria, health insurance for individuals/families is provided through health management organizations (HMOs). The National Health Insurance Scheme (NHIS) oversees the activities of HMOs and in 2014, re-accredited them to consolidate on quality medical services offered.

Am I covered for every illness under the sun?

Due to the complex nature of health issues, there are some important points to note regarding health insurance. Not all health conditions are covered by health insurance and certain others are only covered at extra cost.

You can get basic cover for a low premium (premium = annual payment) or a more robust cover for a higher premium. Basic cover usually includes things like general outpatient consultations, preventive care and counselling, in-patient care (admission days, nurse care etc), dental services, eye care etc

Higher priced health insurance plans come with added benefits such as covers for radiotherapy, chemotherapy, admission (longer admission days, private wards), maternity care (up to certain amounts), advanced eye care and surgery, annual routine medical check-ups etc.

Other important information to note:

  1. Certain health cases might be put on an ‘Exclusion list’ depending on the HMO. Cases such as cosmetic surgery, brain/heart surgery, chronic psychiatric disorders, prostheses, diabetes, drug abuse, addiction, self-inflicted injuries etc
  1. Some HMOs might conduct medical tests before enrolment into their plans.
  2. Generally, a younger non-smoking person with a healthy lifestyle is more likely to get lower insurance quotes than an older person with a medical history.
  3. Women on average tend to get higher health insurance quotes than men.
  4. HMOs usually have a hospital network (health providers) they work with. It is important to check the network of any HMO you have in mind. Proximity of health provider to home or workplace might help in decision making.

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How much does it cost to get health insurance?

We were able to get quotes from six HMOs to give us an idea of health insurance costs. All HMOs listed cover most of the basics. Higher priced plans come with added benefits. The figures provided below are retail health insurance costs for individuals and families (Principal, spouse, 3-4 children)

  • AXA Mansard Health Limited:

AXA Mansard provides four health Insurance plans; Bronze, Silver, Gold and Platinum. Annual premium per individual is; Bronze (₦39,134), Silver (₦57,343), Gold (₦104,188), and Platinum (₦282,227). To get any of these call Mr Kevwe on 08061214981, customer care on 08150649602 or email healthcare@axamansard.com.

  • Expatcare Health Limited

Expatcare provides six retail health insurance schemes for individuals and families. These include; Essential, Bronze, Silver, Gold, Gold Plus and Platinum. Premium on these are Essential (₦16,950), Bronze (₦27,290), Silver (₦35,087), Gold (₦42,884), Gold Plus (₦79,100), Platinum (₦231,000). For families, annual cost are; Essential (₦67,800), Bronze (₦109,160), Silver (₦140,348), Gold (₦171,536), Gold Plus (₦316,400), Platinum (₦643,500).

Expatcare can be contacted on the following numbers 070442444444, 07088841740, 08136104900. Emails can be sent to info@expatcarehealth.com




  • Healthcare International Limited

Health Care International has five health insurance plans on offer namely; Titanium Compact, Titanium Classic, Titanium Ultra, Titanium Deluxe, Titanium Royal. For individuals, premiums are: Titanium Compact (₦20,000), Titanium Klassic (₦25,000), Titanium Ultra (₦40,000), Titanium Deluxe (₦110,000) and Titanium Royal (₦175,000).

Family Titanium premiums: Compact (₦100,000), Classic (₦125,000), Ultra (₦175,000), Deluxe (₦400,000), Royal (₦650,000)

For more information contact Health Care International on 01-4489820, 08052099094-99, 08052099066.

  • International Health Management Services Limited

There are four IHMS retail health plans for individuals and families. These are: Basic, Standard, Standard-Plus, and Comprehensive. Premiums on each of these plans (individual/family): Basic (₦23,000/₦115,000), Standard (₦49,300/₦246,500), Standard-Plus (₦70,400/₦352,000) and Comprehensive (₦125,000/₦625,000).

For more on these call 01-7301332, 07041446622, 08121010100 or email callcentre@ihmsnigeria.com

  • Premium Health Limited

Insurance quotes from ehealthinsurance show three health plans for individuals and families. These are Premium Select, Premium Comprehensive, and Premium Platinum. Annual costs on these plans (per individual) are: Premium Select (₦27,500), Premium Comprehensive (₦48,200) and Premium Platinum (₦70,000).

To get any of these offers call 08099977488, 08077593130, 08077593132 or email info@premiumhealthltd.com

  • Clearline International Limited

Clearline family health package has a premium of ₦50,000 for the Gold plan and ₦35,000 for the Silver Plan. For more details about these plans call 08076490173, 01-7741092 or email info@clearlinehmo.net

 

Always endeavour to read through and understand the fine print before buying. You can also make use of health insurance provided at your workplace if available. This might be a cheaper option and offers the flexibility of premiums deducted from monthly salaries.

 

Additional info:

See full list of accredited HMOs and their contacts here.

 

Have questions or comments? Feel free to join the conversation below.

 

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  487. Jamesbef November 11, 2023
  488. Brianalmob November 11, 2023
  489. Lbpoui November 11, 2023
  490. Vdoivk November 11, 2023
  491. RobertOpils November 11, 2023
  492. Timothyrof November 11, 2023
  493. Donaldnew November 11, 2023
  494. RobertOpils November 12, 2023
  495. Jamesbef November 12, 2023
  496. Donaldnew November 12, 2023
  497. WalterPraib November 12, 2023
  498. Brianalmob November 12, 2023
  499. RobertOpils November 12, 2023
  500. Donaldnew November 13, 2023
  501. Jamesbef November 13, 2023
  502. Jzfwpm November 13, 2023
  503. RobertOpils November 13, 2023
  504. Jamesbef November 13, 2023
  505. WalterPraib November 13, 2023
  506. Brianalmob November 13, 2023
  507. RobertOpils November 14, 2023
  508. Donaldnew November 14, 2023
  509. Jamesbef November 14, 2023
  510. RobertOpils November 14, 2023
  511. Donaldnew November 14, 2023
  512. Jamesbef November 15, 2023
  513. WalterPraib November 15, 2023
  514. Qeuqzx November 15, 2023
  515. Zkavts November 15, 2023
  516. MosheMus November 15, 2023
  517. CharlesDomex November 15, 2023
  518. Davidmub November 15, 2023
  519. MosheMus November 15, 2023
  520. JeremyStump November 16, 2023
  521. Davidmub November 16, 2023
  522. MosheMus November 16, 2023
  523. JosephDakly November 16, 2023
  524. Davidmub November 16, 2023
  525. Williamhes November 16, 2023
  526. IsraelMef November 17, 2023
  527. Fbcolq November 17, 2023
  528. Lnmwel November 17, 2023
  529. Davidmub November 17, 2023
  530. JeremyStump November 17, 2023
  531. Aarontem November 17, 2023
  532. CharlesDomex November 17, 2023
  533. MosheMus November 17, 2023
  534. Davidmub November 18, 2023
  535. IsraelMef November 18, 2023
  536. CharlesDomex November 18, 2023
  537. Williamhes November 18, 2023
  538. WillieDut November 18, 2023
  539. Davidmub November 18, 2023
  540. AnthonySoymn November 18, 2023
  541. MosheMus November 18, 2023
  542. IsraelMef November 18, 2023
  543. Aarontem November 18, 2023
  544. CharlesDomex November 18, 2023
  545. Uluraq November 18, 2023
  546. MosheMus November 18, 2023
  547. Davidmub November 18, 2023
  548. Williamhes November 19, 2023
  549. Exbpcy November 19, 2023
  550. CharlesDomex November 19, 2023
  551. MosheMus November 19, 2023
  552. JeremyStump November 19, 2023
  553. Davidmub November 19, 2023
  554. AnthonySoymn November 19, 2023
  555. Williamoriem November 20, 2023
  556. JuliusMooff November 20, 2023
  557. Josephlot November 20, 2023
  558. RichardHix November 20, 2023
  559. cem November 20, 2023
  560. JuliusMooff November 20, 2023
  561. RichardHix November 20, 2023
  562. Brianerusa November 20, 2023
  563. Egomhr November 20, 2023
  564. RichardVoiva November 21, 2023
  565. Brandoncat November 21, 2023
  566. RichardHix November 21, 2023
  567. Timothyweems November 21, 2023
  568. Lnnrae November 21, 2023
  569. Josephlot November 21, 2023
  570. JuliusMooff November 21, 2023
  571. Williamoriem November 21, 2023
  572. RichardHix November 22, 2023
  573. JuliusMooff November 22, 2023
  574. Timothyweems November 22, 2023
  575. Brianerusa November 22, 2023
  576. Ltbxsq November 22, 2023
  577. RichardHix November 22, 2023
  578. Brandoncat November 22, 2023
  579. Josephlot November 22, 2023
  580. Timothyweems November 22, 2023
  581. JuliusMooff November 22, 2023