Hygeia HMO Premium

by Hygeia HMO

★★★★☆4.3(8,240 reviews)

Hygeia HMO is Nigeria's oldest and most respected private health maintenance organisation. Founded in 1985, the Premium plan gives members access to Hygeia's own Lagoon Hospital network — the first JCI-accredited hospitals in sub-Saharan Africa — alongside 3,000+ nationwide accredited providers. The plan covers inpatient, outpatient, maternity, chronic disease management, and specialist care, making it the benchmark for quality HMO coverage in Nigeria.

Monthly Premium

NGN 45,000 – NGN 130,000

Deductible

NGN 5,000 – NGN 20,000

Coverage Type

premium

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Coverage Details

✓Hospitalization

✓Outpatient Care

✓Dental

✓Vision

✗Mental Health

✓Maternity

✓Prescription Drugs

✓Emergency Care

✗International Coverage

✓Telehealth

Pros

✓Integrated Hygeia and Lagoon Hospital facilities for direct care
✓Comprehensive maternity, newborn, and chronic disease cover
✓Senior citizen plans available for dependants aged 55+
✓Online plan selection and digital support channels

Cons

✗Higher premiums than entry-level government HMOs
✗International coverage not included in standard plan
✗Some specialist referrals require prior authorisation

Editorial Review

“Four decades of consistency and an owned JCI-accredited hospital network place Hygeia HMO in a class of its own in Nigeria's private health market. For families prioritising both network breadth and clinical quality, it remains the default first choice.”

— NairaCompare Health Insurance Ranking 2025

Key Highlights

✓Nigeria's oldest private HMO founded in 1985 with over 30 years of continuous operation
✓Own Lagoon Hospitals subsidiary — first JCI-accredited hospitals in sub-Saharan Africa
✓Network of 3,000+ accredited providers across all 36 states and the FCT