Plan member glossary & definitions

Reliance HMO's membership gives you access to a wide range of whole-person benefits, driving wellness for body and mind. Here are a few key terms to know about your health plan.

  • Controlled medication
    Medicines for which production, distribution, possession and use is controlled by government authorities.
  • Coverage
    Medical services and expenses for which Reliance HMO will cover the cost when you need healthcare. Can include doctor visits, hospital stays or medicines.
  • Diagnosis
    Medical name given to the cause or nature of a condition.
  • Emergency condition
    Situations such as a serious injury or unanticipated condition that require urgent medical assistance or treatment to prevent major harm.
  • Exclusions
    Services Reliance HMO does not cover on a plan.
  • Policy
    Legal contract between Reliance HMO and an insured person. Outlines services to which the insured person is entitled.
  • Providers
    Health and wellness facilities providing services to insured persons. May be registered within Reliance HMO’s provider network, or external unregistered / unauthorised providers.
  • Secondary care
    Any care provided on an inpatient basis or that involves non-chronic disease, specialist consultations or advanced laboratory and radiology tests.
  • Specialist
    A health professional, typically above the level of general practitioner, who is registered with a professional medical or dental body as an expert in an area of medicine or dentistry.
  • Specialist consultations
    Any consultation with a ‘specialist’, as defined above.
  • Tier
    Categories assigned to ‘Providers’ (see above). Members can access services from providers in eligible tiers for their given health insurance plan.

Stay informed about your member benefits

These key assets are designed to help you understand the benefits of your Reliance HMO health plan.

Hospitals in Delta

Frequently asked questions

Check out the most common questions from members about our Reliance HMO health plans.

Hospitals in Ogun

Provider list

Browse our full list of providers to see where we have coverage near you.


Health conditions

Get reliable medical information about a range of common health conditions in our FAQs.


Got questions about your benefits?

Our Reliance Care team is ready to talk by phone, chat or mail.