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Ikiodiete George
- 4 Min Read
5 Most Affordable Health Insurance Plans For Families: Protect Your Family With The Best-Rated Options In Nigeria (2025)
When sickness shows up, it doesn’t knock first—and in Nigeria where hospital bills can be overwhelming, the smartest decision any family can make in 2025 is to get health insurance.
But not all health plans are affordable, and many families fear it's only for the rich. That’s not true.
This guide brings you 5 of the most affordable, best-rated family health insurance plans in Nigeria—designed to protect your household’s health while respecting your budget.
Why Every Nigerian Family Needs Health Insurance
With Nigeria’s economic realities, hospital bills from even basic illnesses like malaria, typhoid, or childbirth can cost between ₦10,000 to ₦500,000. Without insurance, most families either:
Delay treatment, risking complications
Go broke paying out-of-pocket
Or worse, resort to unverified self-medication
A family health insurance plan makes sure you don’t have to choose between health and money.
Table: What to Expect From a Family Health Plan
| Feature | Covered? |
| General Consultations | ✅ Yes |
| Prescription Drugs | ✅ Yes |
| Emergency Care | ✅ Yes |
| Surgeries | ✅ Often Included |
| Maternity Care | ✅ On higher plans |
| Dental & Optical | ✅ Some providers |
| Hospital Admission | ✅ Yes |
Top 5 Affordable Family Health Insurance Plans in Nigeria (2025)
1. Reliance HMO (Bronze Plan)
Reliance HMO is known for affordability, flexibility, and strong digital service.
| Details | Info |
| Monthly Price (Family of 4) | From ₦12,000/month |
| Yearly Price | Around ₦130,000/year |
| Coverage | Consultations, drugs, labs, surgery |
| Hospitals Access | 1,000+ partner hospitals nationwide |
| Digital Access | Mobile app, WhatsApp chat support |
Why it’s Affordable:
Flexible monthly payments and tiered packages make it easy for young families to join without financial strain.
Best For: Young families & tech-savvy parents
Website: reliancehmo.com/
2. AXA Mansard (Starter Plan)
AXA Mansard offers a customizable family health plan starting from as low as ₦50,000 annually.
| Details | Info |
| Annual Plan Cost (Family of 4) | From ₦50,000 – ₦70,000/year |
| Plan Type | Starter Plan |
| Coverage | GP visits, drugs, diagnostics |
| Maternity Cover | Optional on higher tiers |
| Payment Flexibility | Annual or quarterly options |
Why it’s Affordable:
Budget-friendly entry-level plans with good urban hospital coverage and quality care.
Best For: Entry-level families and low-income earners
Website: axamansard.com/
3. IHMS (Basic Family Plan)
Integrated Healthcare Management Services (IHMS) provides affordable coverage to Nigerian families, especially in semi-urban and rural areas.
| Details | Info |
| Annual Cost (Family of 3) | From ₦35,000/year |
| Coverage | Basic care, hospital stay, malaria |
| Location Reach | Rural-friendly hospital network |
| Specialist Access | Limited unless on higher tiers |
Why it’s Affordable:
Designed for low-income and rural families, this plan offers solid coverage for basic healthcare needs.
Best For: Families in smaller towns or rural areas
Website: ihmsnigeria.com/
4. Avon HMO (Life Starter Plan)
Avon HMO is one of Nigeria’s fastest-growing HMOs with reliable family healthcare plans.
| Details | Info |
| Annual Price (Family of 4) | From ₦45,000/year |
| Coverage | Outpatient care, tests, medications |
| Dental/Eye Care | Optional on higher packages |
| Maternity Coverage | On mid to high-tier plans |
Why it’s Affordable:
The Life Starter plan balances affordability with decent access to quality care.
Best For: Families in urban centers looking for value-for-money
Website: avonhealthcare.com/
5. Hygeia HMO (Basic Family Plan)
Hygeia HMO is one of Nigeria’s most recognized HMOs with an excellent reputation for family healthcare.
Details | Info |
Starting Price | From ₦60,000/year for 4 members |
Hospital Access | 1,200+ hospitals nationwide |
Coverage | Malaria, typhoid, surgeries, tests |
Maternity & Delivery | On premium tiers |
Why it’s Affordable:
Good entry plans and large hospital networks give wide access at a fair price.
Best For: Middle-class families seeking reliable and established HMO
Website: hygeiahmo.com/
Table Summary: 2025 Cheapest Family Health Insurance Plans in Nigeria
| Provider | Starting Price (Yearly) | Family Size | Key Benefits | Payment Plan |
| Reliance HMO | ₦130,000 (₦12k/month) | 4 | App-based, drugs, tests, surgeries | Monthly/Yearly |
| AXA Mansard | ₦50,000 | 4 | Custom plans, basic coverage | Flexible |
| IHMS | ₦35,000 | 3 | Rural network, basic treatments | Annual |
| Avon HMO | ₦45,000 | 4–6 | Outpatient, drugs, family support | Annual |
| Hygeia HMO | ₦60,000 | 4 | Strong hospitals, reliable service | Annual |
Tips to Get the Most Out of Your Health Plan
Ask About Hospital Locations
Always check that there are hospitals in your area within your insurer’s network.
Read the Exclusions
Not everything is covered—cosmetic procedures, elective surgeries, and international treatment may not be part of basic plans.
Look for Maternity If Needed
Some plans require at least 10 months waiting before delivery costs are covered.
Use the Mobile App
Providers like Reliance HMO and AXA Mansard allow you to book appointments, view coverage, and file claims via mobile.
FAQs
1. Can I get health insurance for just my kids?
Yes, many providers allow child-only plans at reduced rates.
2. Is monthly payment possible?
Yes. Reliance HMO and AXA Mansard allow monthly or quarterly payments.
3. Do these plans cover private hospitals?
Some do. But often you’ll need to choose from their list of approved hospitals.
Conclusion
You don’t need ₦200k to secure quality healthcare for your family. In 2025, affordable family health insurance in Nigeria is not only available—it’s accessible.
With plans starting as low as ₦35,000/year, providers like Reliance HMO, AXA Mansard, IHMS, Avon HMO, and Hygeia offer real protection for your loved ones, no matter your income level.
Start small. Invest in your family’s health today. Because peace of mind is priceless, but health insurance makes it affordable.
