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07 May 2025 at 15:00Here’s a guide to Nigeria’s top health insurance plans for maternity and antenatal care, what they offer, pricing, unique perks, and how to get on board.Top Health Insurance That Covers Antenatal and Maternity Care in NigeriaYou will agree that childbirth is a life event worth all the possible planning. Considering the statistics, this procedure often comes with emergencies, complications, and after-effects. So, what better way to plan against these surprises and get the best care than getting the right health insurance that covers antenatal and maternity care?
Whether you’re planning for pregnancy or already expecting, the right coverage can ease your financial and emotional burden, offering complete maternity benefits that ensure peace of mind and proper care throughout the journey.
Thankfully, several Health Maintenance Organisations (HMOs) in Nigeria provide comprehensive antenatal and maternity care. From Hygeia HMO to AXA Mansard, Leadway Health, and so on, these health insurance providers have plans that cover antenatal care, delivery, and postnatal care. Some may also include additional benefits like IVF coverage or advanced emergency investigations.
Depending on your needs, budget, or accessible options, here are the top health insurance providers offering reliable maternity benefits in Nigeria.
How to Choose the Best Health Insurance Provider for YouChoosing the right health insurance plan in Nigeria can be overwhelming, given the numerous options available. To simplify this process, consider these key factors:
Coverage: Carefully examine each plan’s specifics, paying close attention to the extent of maternity care coverage, which can vary. Ensure the plan offers various medical services, including preventive care, emergencies, and specialized treatments.
Provider Network: Verify that the Health Maintenance Organization (HMO) has a wide network of easily accessible hospitals, clinics, and specialists.
Cost: Evaluate the plan’s affordability in relation to your budget. Understand the premiums, co-pays, deductibles, and out-of-pocket maximums to determine the overall cost.
Customer Service: Opt for HMOs known for their excellent customer support and efficient claims processing.
Additional Benefits: Explore supplementary benefits such as wellness programs, maternity care, chronic healthcare management, and dental coverage.
State-Level Programs: Investigate if your state offers its own health insurance schemes with maternity benefits, such as the Lagos State Health Scheme (LSHS).
By carefully considering these elements, you can confidently select the most suitable HMO in Nigeria that meets your health and financial requirements.
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1. Hygeia HMOHygeia HMO is a popular choice among expectant mothers in Nigeria. Their HyMat Plan provides extensive maternity care for both the mother and newborn. Hygeia offers advanced maternity plans for more specialized needs, including the HYMAMA IVF Bundle, which covers In Vitro Fertilization procedures.
Individual plans begin at ₦55,590 annually.
Family plans start from ₦230,112 per year.
Senior citizen plans are available from ₦203,796 annually.
For business quotes, please visit their website.
2. AXA MansardAXA Mansard, a prominent HMO in Nigeria, provides several health insurance plans with maternity coverage. Their EasyCare plan is a budget-friendly option starting at ₦12,000 for 6 months, encompassing maternity care, HIV/AIDS treatment, mental health support, and advanced emergency diagnostics. More extensive individual plans are available from ₦58,446. Businesses can request a quotation on their website.
3. Leadway HealthLeadway Health is a reputable HMO that offers extensive health plans with a wide network and budget-friendly premiums. Its maternity coverage typically encompasses antenatal, delivery, postnatal, and infant vaccinations. Leadway Health also features diverse plans that extend to general healthcare, including inpatient, outpatient, dental, and vision care.
Annual plans begin at ₦69,998.50. Customised packages are also available for large corporations and SMEs. You can find further details on their website.
4. Lagos State Health Scheme (LSHS)The Lagos State Health Management Agency (LASHMA) offers a health insurance scheme for Lagos State residents, including extensive maternity coverage. Benefits include neonatal care, gynecological care, prenatal services, and delivery. You can find more information and register on their website and registration portal.
5. The National Health Insurance Scheme (NHIS)The National Health Insurance Scheme (NHIS) provides maternity care for formal sector enrollees, covering up to four live births and offering additional care in the event of stillbirths. Beyond this, they also have contributory and non-contributory options, including the Basic Health Care Provision Fund and the Vulnerable Group Fund. Further information and registration details are available on their website.
6. Reliance HMOReliance HMO provides antenatal and maternity coverage through specific plans for pregnant women. These plans include care during pregnancy, delivery (both normal and assisted), and postnatal care. Newborns are also covered, including immunizations.
For company-specific quotes, please email [email protected]
Why Choosing the Best Family Health Insurance Provider in Nigeria MattersChoosing the best family health insurance provider and plan is crucial to your family’s health and financial planning. How you select from the numerous available options will determine your healthcare experience. Here’s what the best Health Maintenance Organisation (HMO) in Nigeria for your family should offer:
Comprehensive Coverage: Leading HMOs offer extensive medical coverage, which includes hospital visits, routine check-ups, and preventive services. This ensures substantial financial protection when healthcare needs arise for you or your family, including childbirth.
Quality Healthcare: The best health insurance providers collaborate with reputable hospitals and medical professionals, assuring access to high-quality care when needed. A dependable HMO guarantees that you and your family are always covered, especially considering the timeliness maternity care requires.
Affordable Options: While health insurance can be a considerable expense, the right family HMOs in Nigeria provide cost-effective plans without compromising essential benefits. Comparing various HMOs allows you to identify a plan that aligns with your budget while meeting critical maternity and family health requirements.
Responsive Customer Support: The best HMOs in Nigeria prioritise their clients and offer readily available assistance. Whether you have inquiries regarding your coverage or require support with claims processing, efficient customer service simplifies the overall experience.
Financial Security and Well-being: Choosing a trustworthy health insurance provider gives you peace of mind to concentrate on your health and your family’s well-being. With the right HMO, you can have confidence that quality healthcare is easily accessible, especially concerning maternity care.
Watch out for these perks when choosing a new health insurance provider or reviewing your current HMO. This will help you make informed decisions that protect your family’s health and financial future.
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