HMO plans and health insurance in Nigeria
Cover you can actually use: every plan on Loopital shows its premium, what it covers and which facilities accept it before you enrol. Your plan, your member number and your claims sit in the same app as your hospital visits, your prescriptions and your test results.
Plans are being onboarded
HMOs and insurers are joining the network now. Create a free account and you will see plans — with their prices and networks — the moment they are published.
What cover on Loopital gives you
One card everywhere
Your Loopital ID is the member card. Any facility on the network can check your cover in seconds.
No cashier queue
The facility claims from your insurer directly; you pay only the part your plan doesn't cover.
Family on one plan
Add a spouse, children or dependants, each with their own member number and record.
Approvals handled
Care outside your primary hospital needs pre-authorisation. Loopital requests it and tells you when it lands.
Also on Loopital
Questions people ask
What is the difference between an HMO and health insurance?
An HMO takes a fixed premium and covers your care at facilities in its network, usually through a primary hospital you choose. Health insurance reimburses or pays for treatment according to a benefit schedule. Loopital lists both, with the price and what they cover shown before you enrol.
How much does an HMO plan cost in Nigeria?
Individual plans commonly run from a few thousand naira a month, rising with the benefits, the hospitals in the network and the number of people covered. Every plan on Loopital shows its premium and cycle up front.
Can I add my family?
Yes. A plan can cover a spouse, children and dependants, and the premium is charged per covered person. Everyone gets their own member number and their own record.
How do I use the plan at a hospital?
Show your Loopital ID. The facility checks your eligibility in HMS7, treats you, and claims from the insurer — you pay only what the plan does not cover, and the amount is shown to you before it is charged.
What if I need care outside my primary hospital?
Most HMO plans need approval first, except in an emergency. Loopital shows which nearby facilities accept your cover and requests the approval for you.
Get covered
Create a free account, compare the plans available where you live, and enrol yourself or your family in a few minutes.
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