Lagos HMO Plans Compared
Every HMO plan tracked on Lagos.cool — coverage matrix, monthly price, hospital network and waiting period. Filter by what matters to you.
12 plansCheapest: ₦2,000/moWidest: Hygeia (2,000 hospitals)
Lagos HMO Plans Compared
All 12 plans across 8 providers ranked by monthly price
MyCoverGeniusCHEAPEST
FlexiCare · Basic
₦4,000
/month
🩺 Outpatient🛏 Inpatient🔪 Surgery
MyCoverGeniusBEST FAMILY
ZenCare · Standard
₦10,000
/month
🩺 Outpatient🛏 Inpatient🔪 Surgery🤰 Maternity🦷 Dental👁️ Optical💊 Chronic🧠 Mental
AXA Mansard
EasyCare · Basic
₦2,000
/month
🩺 Outpatient🛏 Inpatient
AXA Mansard
Individual Plan · Standard
₦4,871
/month
🩺 Outpatient🛏 Inpatient🔪 Surgery
Reliance Health
Family Plan · Standard
₦3,500
/month
🩺 Outpatient🛏 Inpatient🔪 Surgery
Reliance Health
Premium Family · Premium
₦13,500
/month
🩺 Outpatient🛏 Inpatient🔪 Surgery🤰 Maternity🦷 Dental👁️ Optical💊 Chronic🧠 Mental
Hygeia
HyBasic Individual · Basic
₦4,600
/month
🩺 Outpatient🛏 Inpatient🔪 Surgery
Hygeia
HyFamily · Family
₦19,176
/month
🩺 Outpatient🛏 Inpatient🔪 Surgery🤰 Maternity🦷 Dental👁️ Optical💊 Chronic
Leadway Health
Retail Individual · Standard
₦8,750
/month
🩺 Outpatient🛏 Inpatient🔪 Surgery💊 Chronic🧠 Mental
Bastion Health
Jade Individual · Basic
₦2,552
/month
🩺 Outpatient🛏 Inpatient🔪 Surgery👁️ Optical
Avon HMO
Individual Plan · Standard
₦5,000
/month
🩺 Outpatient🛏 Inpatient🔪 Surgery
LASHMA
Ilera Eko Individual · Basic
FREE
/month
🩺 Outpatient🛏 Inpatient
| Plan | Monthly | Annual | Network | Coverage |
|---|---|---|---|---|
MyCoverGeniusCHEAPEST 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 |
MyCoverGeniusBEST FAMILY ZenCare · Standard Families and individuals needing comprehensive coverage including maternity, chronic care, dental, and mental health. 📞 Telemed📱 App | ₦10,000 per month | ₦120,000 | 1,600 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 |
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 |
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 |
Reliance Health Premium Family · Premium Full family coverage including maternity, dental, optical, chronic, and mental health. 📞 Telemed📱 App | ₦13,500 per month | ₦162,000 | 800 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 |
Hygeia HyFamily · Family Families wanting the widest hospital network. Maternity, dental, optical all included. 📞 Telemed📱 App | ₦19,176 per month | ₦230,112 | 2,000 hospitals | 🩺 Outpatient🛏 Inpatient🔪 Surgery🤰 Maternity🦷 Dental👁️ Optical💊 Chronic🧠 Mental |
Leadway Health Retail Individual · Standard Strongest focus on preventive care and mental wellness. Employee Assistance Programme included. 📞 Telemed📱 App⏳ 7d wait | ₦8,750 per month | ₦104,997 | 1,500 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 |
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 |
LASHMA 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 |