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A Health Maintenance Organisation (HMO) is a company that provides health coverage for a regular fee. You pay annually or monthly, and when you need care you visit a hospital in their network — often paying little or nothing at the point of care.
The annual limit is the maximum the HMO will pay out for your care in a year. A ₦1M limit means once claims reach ₦1M, you cover the rest until the next year. Higher limits cost more but protect against big bills.
Most plans don't cover everything from day one. Surgery, dental, and optical typically have a 6–12 month wait. Maternity usually needs 9–12 months. Pre-existing conditions often wait 12 months. Always check before you buy.
Cosmetic surgery, fertility treatments, self-inflicted injuries, and experimental treatments are almost always excluded. If you're already pregnant when you enrol, maternity won't be covered for that pregnancy.
Family plans cover you, a spouse, and children for one price — usually far cheaper than buying separate individual plans. A family of four can save 40–60% versus four individual policies. Compare the family rate against individuals before deciding.
A bigger hospital network means more choice and easier access. Hygeia has 2,000+ facilities; Reliance and AXA have 1,000–1,500. Check that hospitals near you are in-network before you pick a plan — not all hospitals accept every HMO.