If you are comparing HMOs, you probably want a straight answer: what does Reliance HMO actually offer, and is it right for you? We’re Reliance HMO, so we’re not neutral, but this page sets out the facts plainly, including where our plans may not suit you, so you can decide with your eyes open.
Reliance HMO at a glance
- Who we are: a health maintenance organisation that is part of Reliance Health, a health technology company with roots in Lagos and more than a decade of experience
- Members: over 251,000 plan members and more than 1,600 businesses
- Network: over 2,700 hospitals, clinics and other providers in every state in Nigeria
- Investors: backed by General Atlantic, Partech and others, including a $40 million funding round in 2022
- Support: 24/7 through the Reliance Care app, phone (0700-RELIANCE) and email. Download it for iPhone or Android.
Plans we offer
For businesses: company health plans for larger organisations, and small business plans for teams of 3 to 19 staff. Small business plans run from Red Beryl, from ₦68,400 per person per year, to Red Diamond, from ₦268,850, with family cover available.
For individuals and families: plans sold through Alafia by Reliance Health, including Serenity plans for older parents and the Tranquility pay-as-you-go plan.
What stands out
- Technology: the Reliance Care app lets members find hospitals, see their benefits, chat with a doctor at any time and order prescriptions.
- Telemedicine and drug delivery: many consultations can happen by app, and prescriptions can be delivered.
- Roaming: members can use network hospitals in other states, which matters if you travel for work.
- Wellness benefits: depending on the plan, these include gym access, spa visits, annual health checks and cancer screening.
- Chronic conditions: company plans and Serenity plans cover pre-existing conditions such as diabetes and hypertension.
- Emergencies: members can go to the nearest network hospital without pre-approval for the first 24 hours.
- Reimbursement: when members pay for covered care themselves, eligible claims are reimbursed within five working days on Alafia plans.
Where we may not suit you
- Maternity on individual cover: our personal plans exclude obstetric care. If you are planning a pregnancy, a company plan that includes maternity is usually the better route. See does HMO cover pregnancy?
- Waiting periods: like most HMOs, some benefits, such as surgery and cancer care, only start after a waiting period.
- Hospital tiers: lower-priced plans give access to fewer hospitals. Check that your preferred hospital is on your plan before you buy.
- Price: we are not the cheapest HMO in Nigeria. Our plans are built around wider networks, app-based care and wellness extras, which won’t matter to everyone.
Is Reliance HMO accredited?
Reliance HMO is a licensed health maintenance organisation operating under the regulation of the National Health Insurance Authority (NHIA).
How to check if we’re right for you
- Search the provider list for hospitals near your home and office.
- Read the benefits and exclusions for the plan you’re considering.
- Compare prices with other HMOs. See how much is HMO in Nigeria? and our guide to the best HMO in Nigeria.
- Read independent reviews from members on app stores and review sites.
- Ask us questions on 0700-RELIANCE before you buy.
Frequently asked questions
Is Reliance HMO good?
It depends on what you need. Reliance HMO suits people and businesses who value a wide hospital network, app-based care and wellness benefits. Compare plans and check the hospital list for your area.
How many hospitals does Reliance HMO have?
Over 2,700 providers across Nigeria, depending on the plan.
Does Reliance HMO cover pre-existing conditions?
Company plans and Alafia’s Serenity plans cover conditions such as diabetes and hypertension. Check the terms of each plan.
How do I contact Reliance HMO?
Call 0700-RELIANCE or email hellonigeria@getreliancehealth.com.
Figures are correct at the time of writing and may change. Check current plan details before you buy.
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