“How much is HMO in Nigeria?” is one of the first questions people ask when they start looking for health insurance. The honest answer is that it depends on the hospitals you want, how much cover you need and who is on the plan. This guide gives you real 2026 price ranges, explains what drives the cost, and shows how to get the best value for your budget.
Most HMOs price plans per person per year. Based on market ranges from NairaCompare’s 2026 cost report, here is roughly what to expect:
| Plan level | Individual (per year) | Family of 4 (per year) |
|---|---|---|
| Basic (mostly outpatient care) | ₦30,000 – ₦80,000 | ₦150,000 – ₦300,000 |
| Standard | ₦80,000 – ₦200,000 | ₦300,000 – ₦700,000 |
| Comprehensive | ₦200,000 – ₦600,000 | ₦700,000 – ₦1,800,000 |
| Executive / premium | ₦600,000+ | ₦1,800,000+ |
At the very cheapest end, some HMOs offer entry-level individual plans from around ₦12,000 a year, according to Nairametrics’ June 2026 list. These usually come with low benefit limits and a small choice of hospitals.
Reliance Health’s plans for individuals and families are sold through Alafia by Reliance Health, including the pay-as-you-go Tranquility plan and Serenity plans for older adults. Visit Alafia for current plans and prices.
Businesses get group pricing on small business plans (5–19 staff) and company health plans, which can also include maternity and newborn care.
Compare the premium with what one hospital visit can cost. A single emergency surgery at a private hospital in Lagos can cost ₦1.5 million to ₦3 million, according to NairaCompare. Even a few days in hospital for malaria or typhoid can run into hundreds of thousands of naira. For most people, a plan that costs less than ₦10,000 a month is far cheaper than paying for one serious illness out of pocket.
Health insurance is also mandatory under the NHIA Act of 2022. Learn more in what is an HMO and how it works.
Related: How to Improve Your Health: The Esusu Style
How much is HMO per month in Nigeria?
Most standard individual plans work out to roughly ₦7,000 to ₦17,000 a month.
What is the cheapest HMO in Nigeria?
Entry-level plans start from around ₦12,000 a year, but they usually cover only basic care at a small number of hospitals. Check the benefit limit and hospital list before you choose.
How much does an HMO cost for a family?
A standard family plan for four typically costs ₦300,000 to ₦700,000 a year, depending on the hospitals and cover.
How much do employers pay per staff for an HMO?
Group plans are usually cheaper per person than individual plans. The price depends on the number of staff and the cover you choose. Get a quote for your business.
Which is the best HMO in Nigeria?
Read our guide to the best HMO in Nigeria in 2026.
Prices are indicative and may change. Always check the current price and benefits with the HMO before you buy.
Related guides: HMO in Lagos, HMO in Abuja, HMO in Port Harcourt and how to register for an HMO.
