How to Register for an HMO in Nigeria: Step-by-Step Guide

Registering for an HMO (Health Maintenance Organisation) in Nigeria is quicker than many people think. With most HMOs you can now sign up online in a few minutes and start using your plan soon after. Here’s a step-by-step guide to registering for an HMO, the documents you need, and what to check before you pay.

Who can register for an HMO?

• Individuals who want their own health cover
• Families, covering a spouse and children on one plan
• Parents and older relatives, often paid for by their children
• Employers, covering staff through a group or company plan

The NHIA Act of 2022 makes health insurance mandatory for all Nigerians, and employers must provide cover for their staff. If your employer already provides a plan, ask HR how to register and add your dependants.

How to register for an HMO: step by step

1. Compare HMOs and plans. Look at the hospitals each plan includes, benefits, limits, waiting periods and price. See how to compare HMOs in Nigeria and how much an HMO costs.

2. Choose who to cover. Decide whether you need an individual plan or a family plan, and list everyone you want to add.

3. Fill in the registration form. Most HMOs, including Reliance HMO, let you register online. You’ll usually be asked for each person’s full name, date of birth, gender, phone number, email and home address.

4. Upload a photo. A clear passport-style photo of each person is often needed for your member ID.

5. Choose your primary hospital. Pick a hospital or clinic near your home or work from the HMO’s list. This is where you’ll usually go first for care.

6. Declare any existing conditions. Be honest about conditions like high blood pressure, diabetes or asthma. Hiding them can lead to claims being refused later. Read about pre-existing conditions.

7. Pay your premium. Plans may be paid monthly, quarterly or yearly, depending on the HMO.

8. Get your member ID. You’ll receive an enrollee ID or card, often in an app, which you show at the hospital.

Documents you may need

• A passport-style photo for each person
• A valid means of ID, such as a National Identification Number (NIN), international passport or driver’s licence
• Dates of birth for children (a birth certificate may be requested)
• Your company details, if registering through an employer

What to check before you pay

• Hospitals: are there good hospitals near you on the plan?
• Waiting periods: how long before you can use maternity, surgery or other benefits?
• Exclusions: what isn’t covered?
• Limits: what is the annual limit, and are there limits on specific benefits?
• Support: can you reach a doctor or customer care quickly, including at night?
• Accreditation: is the HMO accredited by the National Health Insurance Authority (NHIA)?

After you register

Save your member ID, download your HMO’s app, and check your primary hospital’s address and opening hours. Read how to use your HMO at the hospital so you know what to do when you need care.

Frequently asked questions

How long does HMO registration take?
Online registration usually takes a few minutes. Your ID is often issued immediately or within a day.

When can I start using my HMO?
Many basic services can be used soon after registration, but some benefits such as maternity and planned surgery have waiting periods. Check your plan.

Can I change my hospital after registering?
Yes. Most HMOs let you change your primary hospital, usually through the app or customer care.

Can I switch to a different HMO?
Yes. See how to change your HMO in Nigeria.

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