The Best Health Insurance Plans In Nigeria

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Welcome to your one-stop page on all questions related to the best and most affordable health insurance packages in Nigeria.

Scroll down and find answers to those burning questions you might have about health insurance and how it works.

If your question is not on this page, you can drop it for us in the comment section.

We know that by the time you are done, you would have made up your mind on which plan to purchase

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HyBasic HyPrime HyPrime Plus
Pricing per annum  ₦36,970  ₦129,740 ₦386,080
Total benefits per annum  ₦500,000  ₦785,000 ₦950,000
General consultation Covered Covered Covered
Minor Surgeries ₦150,000 ₦200,000  ₦250,000
Intermediate Surgeries  N/A  N/A N/A
Diagnostics and Imaging  Covered  Covered Covered
Accommodation for In-patient care  15 days  15 days 20 days
Physiotherapy  N/A  N20,000 limit ₦40,000 limit
Telemedicine Covered Covered Covered
Dental Care ₦5,000  ₦20,000 ₦40,000
Family planning  N/A  Covered Covered
Mental health care  N/A  Covered Covered
Chronic disease management  N/A  Covered Covered
Critical Illness + Death Cover  ₦150,000  ₦100,000 ₦250,000


HyBasic Family HyPrime Family
Pricing per annum  ₦151,020  ₦513,990
Total benefits per annum  ₦500,000 each  ₦785,000 each
General consultation Covered Covered
Minor Surgeries ₦150,000 ₦200,000
Intermediate Surgeries  N/A  N/A
Diagnostics and Imaging  Covered  Covered
Accommodation for In-patient care  15 days  20 days
Physiotherapy ₦20,000 limit  N35,000 limit
Telemedicine Covered Covered
Dental Care ₦10,000  ₦30,000
Family planning  N/A Covered
Mental health care Covered Covered
Chronic disease management  N/A  N/A
Critical Illness + Death Cover  ₦100,000  ₦250,000





Will I have a cashback if I don’t visit the hospital?

No, you won’t. It is in your best interest to visit the hospital at least once a year, even if you do not have any complaints. This is because many harmful diseases like hypertension may not present with any symptoms initially and can easily be picked up during a routine hospital visit where your vitals get checked.

How will my health plan work?

Once you buy a plan with us, you will be onboarded and you can visit any of the hospitals you are covered for within our network whenever you need to access healthcare. You can also get access to healthcare from the comfort of your home via Telemedicine By Hygeia HMO

Must I choose one hospital?

No, you can visit any hospital within the category range available to your health plan. This way, you are not stuck with a hospital you do not like, neither do you have to go through a long process to change your primary provider. You can easily search for hospitals close to you with our Hygeia Mobile App.

How do I know if I have access to a hospital?

The Hygeia Mobile App (Click here to download for Android & Apple) helps you check if you can get treatment at a particular hospital. Simply log into the app, then click on ‘Check Provider Access’ and run a search for any hospital of your choice.

How do I keep track of my benefits?

You can manage your benefits and track how much you have spent by clicking on ‘Benefit Usage’ once you log into our mobile app. This service helps to ensure transparency and gives you control over how your benefits are utilized.

Can I buy a plan for someone?

Yes, you can. You can go through our and pay online as well.

How do I know what plan is best for me?

To make it easy for you to choose, we have categorized our plans based on health needs at different ages and stages of life. So, whether you are

Will my plan cover dental & optical care?


Our plans cover dental and optical care up to the benefits package limit.

Will my plan cover maternity care?

Antenatal and delivery services are available on plans when you renew your plan subscription after the first year.

I have a chronic condition; will my plan cover my treatment and medications?

If you have a chronic illness like hypertension or diabetes, our HyPrime plans, Senior Citizen plans or HyStarter Premium plan will cover for your treatment and drugs up to the benefit limit after a two-month waiting period.

What happens if I die or get a critical illness?

If you come down with a critical illness or die, our plans cover for a cash payout up to the limit as specified by the benefit package to you or your next of kin.

  1. The following benefits will not be covered or provided in the first year of the commencement of the scheme: Maternity Services, Surgeries, Cancer Care, Critical Illness + Death Cover, and Psychiatric Care. This period otherwise known as the waiting period shall commence on the date of entry to the date of renewal. On renewal, this benefit will be accessible provided the enrollee has been enrolled for one year with the HMO.

By Dr. Okonkwor Oyor C.

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