Cheapest HMO Plan in Nigeria 2026
The 8 cheapest HMO plans tracked on Lagos.cool ranked by monthly price. LASHMA Ilera Eko Individual is the absolute cheapest entry.
Top 8 cheapest8 providers compared
Cheapest 8 HMO plans
Sorted by monthly price — ₦0 plans (LASHMA) are state-subsidized
LASHMACHEAPEST
Ilera Eko Individual · Basic
FREE
/month
🩺 Outpatient🛏 Inpatient
AXA Mansard
EasyCare · Basic
₦2,000
/month
🩺 Outpatient🛏 Inpatient
Bastion Health
Jade Individual · Basic
₦2,552
/month
🩺 Outpatient🛏 Inpatient🔪 Surgery👁️ Optical
Reliance Health
Family Plan · Standard
₦3,500
/month
🩺 Outpatient🛏 Inpatient🔪 Surgery
MyCoverGenius
FlexiCare · Basic
₦4,000
/month
🩺 Outpatient🛏 Inpatient🔪 Surgery
Hygeia
HyBasic Individual · Basic
₦4,600
/month
🩺 Outpatient🛏 Inpatient🔪 Surgery
AXA Mansard
Individual Plan · Standard
₦4,871
/month
🩺 Outpatient🛏 Inpatient🔪 Surgery
Avon HMO
Individual Plan · Standard
₦5,000
/month
🩺 Outpatient🛏 Inpatient🔪 Surgery
| Plan | Monthly | Annual | Network | Coverage |
|---|---|---|---|---|
LASHMACHEAPEST Ilera Eko Individual · Basic Lagos State government subsidized health insurance. N8,500/year — cheapest formal coverage. Limited to Lagos State primary health centers. ⏳ 30d wait | FREE per month | ₦8,500 | 400 hospitals | 🩺 Outpatient🛏 Inpatient🔪 Surgery🤰 Maternity🦷 Dental👁️ Optical💊 Chronic🧠 Mental |
AXA Mansard EasyCare · Basic Absolute cheapest annual plan at N12K/6 months. Very basic — no surgery, no maternity. 📱 App | ₦2,000 per month | ₦12,000 | 1,000 hospitals | 🩺 Outpatient🛏 Inpatient🔪 Surgery🤰 Maternity🦷 Dental👁️ Optical💊 Chronic🧠 Mental |
Bastion Health Jade Individual · Basic Good mid-range option with telemedicine and optical included even on basic tier. 📞 Telemed📱 App | ₦2,552 per month | ₦30,628 | 1,200 hospitals | 🩺 Outpatient🛏 Inpatient🔪 Surgery🤰 Maternity🦷 Dental👁️ Optical💊 Chronic🧠 Mental |
Reliance Health Family Plan · Standard Tech-forward — best app experience. Includes gym and spa access perks. Lowest monthly starting point. 📞 Telemed📱 App | ₦3,500 per month | ₦42,000 | 800 hospitals | 🩺 Outpatient🛏 Inpatient🔪 Surgery🤰 Maternity🦷 Dental👁️ Optical💊 Chronic🧠 Mental |
MyCoverGenius FlexiCare · Basic Budget individuals — cheapest monthly plan in Nigeria at N4K/month. Covers everyday illnesses and 26 surgical procedures. 📞 Telemed📱 App | ₦4,000 per month | ₦48,000 | 1,600 hospitals | 🩺 Outpatient🛏 Inpatient🔪 Surgery🤰 Maternity🦷 Dental👁️ Optical💊 Chronic🧠 Mental |
Hygeia HyBasic Individual · Basic Largest hospital network in Nigeria (2,000+ facilities). Over 30 years of experience. 📞 Telemed📱 App | ₦4,600 per month | ₦55,590 | 2,000 hospitals | 🩺 Outpatient🛏 Inpatient🔪 Surgery🤰 Maternity🦷 Dental👁️ Optical💊 Chronic🧠 Mental |
AXA Mansard Individual Plan · Standard Individuals wanting a trusted global brand. Comprehensive outpatient + inpatient + surgery. 📞 Telemed📱 App⏳ 7d wait | ₦4,871 per month | ₦58,446 | 1,000 hospitals | 🩺 Outpatient🛏 Inpatient🔪 Surgery🤰 Maternity🦷 Dental👁️ Optical💊 Chronic🧠 Mental |
Avon HMO Individual Plan · Standard Tony Elumelu (UBA owner) backed. Solid coverage, mid-range pricing. 📞 Telemed📱 App | ₦5,000 per month | ₦60,000 | 900 hospitals | 🩺 Outpatient🛏 Inpatient🔪 Surgery🤰 Maternity🦷 Dental👁️ Optical💊 Chronic🧠 Mental |
The cheapest sticker price isn't always the best value. AXA Mansard EasyCare at ₦2,000/month is technically the cheapest with a private HMO brand, but it excludes surgery and maternity. Bastion Health Jade at ₦2,552/month is the cheapest plan with surgery cover. MyCoverGenius FlexiCare at ₦4,000/month is the cheapest with comprehensive everyday coverage and a 1,600-hospital network. For families needing maternity and dental, MyCoverGenius ZenCare at ₦10,000/month is the budget option.