RELIANCE HMO- Technology Driven Health Insurance Company

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Reliance HMO is redefining Healthcare Insurance in Africa using software, Data Science and Telemedicine. They are technology driven health insurance company that has integrated technology into every sphere of health-care management, making Health Insurance easy and affordable for everyone.
The company started in 2016 with a vision that aims to use technology to make insurance accessible and easy to use and they are the first insurance company in Africa to make telemedicine services completely free for all enrolees and also have real time 24 hours customer care services and will always respond you your request or customer’s complain in less than 10 minutes.
Reliance pro-actively makes use of artificial intelligence and data science for personalized health-care, preventative health-care that reduces hospital admissions and optimizing access to health care.
Enrolees enjoy a curated network of top rated hospitals, a dedicated medical support team that includes doctors on call and a 24/7 access to doctor’s consultation online.
Reliance members can easily access care online, view their health history and manage account information through an intuitive web and mobile app experience. Reliance HMO is the only Healthcare Insurance Company that pays hospital claims in less than 48hours after submission.

Reliance HMO have 3 group health plans for everyone

For your Business

Affordable Health Insurance For Corporates & SMEs
This health insurance policy covers your staff. It is cost-effective and provides maximum benefits to your employees.
Your employees will be happier and healthier with this  health insurance plans.
You can Sign up your whole company in minutes with zero stress and also access Hospitals across Nigeria will treat your employees like royalty because Reliance HMO pay their claims in under 48 hours and don’t owe.
Available 24 hours a day
                                                     You can always rely on Reliance HMO to be reachable by your employees or the hospital, 24 hours a day
                                                     If you have more than 10 employees, you’ll get a Key Account Manager for every request you have.
                                                     Cost effective health insurance- Reliance sales personnel will get you a plan that works for your business.

For you & your family

Affordable Health Insurance For Individuals & Families

This health insurance policy is an agreed contract that covers an individual’s/family’s healthcare. How it works is that the more loyal you are to Reliance HMO, the more benefits you get. Also, you get paid 20% of what you’ve previously paid if you stay healthy. Reliance HMO offers two insurance plans which you can choose based on your financial capacity.
RED BERYL INDIVIDUAL – ₦3,500.00 per person per month/₦10,350.00 per person per quarter/₦38,650.00 per person per year
ALEXANDRITE INDIVIDUAL – ₦6,000.00 per person per month/₦17,750.00 per person per quarter/₦66,250.00 per person per year
Flexible payments (Pay monthly, quarterly or annually)
24/7 customer care services.
You can always rely on Reliance HMO to be reachable at anytime of the day, every day of the week.
Get paid Bonus – Reliance HMO will pay you back 20% of your annual payment If you stay healthy.
They partners with over 1,500 hospitals across Nigeria which means no matter where you are, you can get access to good quality healthcare.
Reliance HMO will increase your health benefits every quarter and without increase in premium to pay.
How It Works:
Just pick your preferred plan , Pay online and Start accessing care!

For your parents

Peace of mind that Papa and Mama’s health are taken care of

Affordable Health Insurance For Pre-Existing Conditions like hypertension, diabetes, arthritis, and peptic ulcer designed for our parents.


Flexible payments (Pay monthly, quarterly or annually)

24 hours customer care
You can always rely on Reliance HMO to be reachable by your parents or the hospital
24 hours a day Medications delivered
There’s no need for elderly ones to stress to get their medications, Reliance HMO deliver to them
Reliance HMO health coaches check in to ensure they are in a good health so you can have peace of mind
How It Works
* Select your preferred hospital-A matching health insurance plan will be selected for you and the add-on is priced based on the hospital you select.
   If you have selected a plan already, you will have to choose what plan you want the PEC benefit to be added to.
* Pay online- Enter your details and pay online with your card. It’s all very simple
* Start accessing care! After paying, watch out for the series of emails you’ll get from your no. 1 HMO in Nigeria, explaining how to use your health
   plans to stay healthy.

Frequently Asked Questions

How do I buy RelianceHMO Health Insurance?

Get started by clicking here. The process takes less than 10 minutes. You select the type of insurance you want, pay with your ATM card, fill out a short form and you can use hospitals immediately.

If you are interested in buying health insurance for your company, please visit to request a quote or call me on  08078766666

How do I select a Hospital?

You select your primary hospital from a list of available hospitals when you are filling out the enrolment form. It is best you choose a hospital close to your home, place of work or anywhere you deem convenient.

Do I need to call you first before I go to the hospital?

No, you do not. Walk confidently into your chosen hospital, show your ID card and you will be attended to. If you ever face any issues in the hospital, reach out to us immediately.

Can I change my hospital at any time I desire?

Yes. you can freely access care in any hospital you are eligible for based on your insurance plan. This means you can roam within the limits of the hospitals covered on your chosen plan(s). You can check the hospitals you are eligible for under each plan here.

To make enquiries and effect a change of hospital please call 0700 7354 2623

Can I visit any hospital when I travel to other states?

Yes. You are allowed to visit all hospitals in the RelianceHMO network that are available on your insurance plan. You can check the list of RelianceHMO network hospitals and clinics near you in the Reliance Care App or on the website. A Reliance Help Centre agent can also help you find a hospital nearby if you reach out to us.

Does my Reliance HMO ID card guarantee access to care?

Absolutely! If you present the Reliance HMO (soft) ID card on your phone at your chosen hospital, you will receive care so long as your insurance is valid and you are eligible and covered for the service you need to receive in the hospital.

If you ever face any issues in the hospital, immediately reach out to us through our contact details at the bottom of this page. A Reliance Care Centre agent will resolve the issue speedily

Why don’t you issue hard copy ID cards?

RelianceHMO soft copy ID cards allow us to offer you instant coverage and make the process of accessing care simple and convenient. Hard copy ID cards don’t allow this to happen.

How do I access the app?

You can access the RelianceHMO App on your web browser by visiting or by downloading the Reliance Care app on Google Playstore at

How does Chat with a Doctor work?

Whenever you need to speak to a doctor for a simple ailment, open the Reliance Care App or the website

On the website click the “Consult a Doctor” button, located at the side menu of the website or click the “Health questions” button at the bottom of the Reliance Care App, It will open a page where you can type your health-related question and send it to a doctor.

Doctors are available 24 hours a day and you will get an answer from a doctor within 10 minutes. If you don’t receive an alert for your answer in 10 minutes, go back into the app and refresh the page. The doctor will ask you for more details on your condition, give you basic advice and can even give you a prescription for simple over-the-counter (OTC) medication. So you can get treatment without leaving the comfort of your home or office.

Do I need a referral to see a specialist?

Yes. Your Primary Care Provider will need to refer you to a specialist. We will then help you schedule the appointment and walk you through the process of seeing the specialist.

However, you need to contact the Reliance Care Centre to schedule your appointment on 0700 7354 2623.


Do you have a plan for pregnant women?

Yes, we do. However, it is only available on request. Please send an email to to get a quote.


What health benefits do I have access to?

Your health benefits include general and specialists consultations, secondary care (eye and dental care), emergency services, surgeries and lots more. We offer graduated benefits, so the longer you stay on a plan, the more benefits you can access. The availability and limits of your health benefits are determined by the health plan you subscribed for.

You can click here to view the list of health benefits on our health insurance plans.

What are graduated health benefits?

Not all benefits are available from day one. The longer you stay on your insurance, the more benefits you can access. Every quarter, you unlock a new set of benefits. You can find out when you are eligible for what benefits in your app or by going through our list of benefits.

Please note that if you unsubscribe from your plan you may lose the graduated benefits that you had previously acquired.

How can I get back my graduated benefits if I cancel my insurance and resubscribe later?

Ideally, when you cancel your insurance you lose all graduated benefits even if you resubscribe later. However, with our variable billing program, we give you a 60-day grace period to resubscribe and get back your benefits once you pay your outstanding bill. This bill can either be paid at once or in instalments. If you decide not to pay, or you resubscribe after 60 days, variable billing will not be available to you.

Do I get access to secondary care?

Absolutely! After consistent payments, your graduated benefits will grant you access to secondary benefits including eye care, dental care and gym and spa visits, depending on your plan.

Pre-existing conditions

What are pre-existing and chronic conditions?

Pre-existing conditions (PEC) are SERIOUS illnesses that have existed AT ANY TIME BEFORE the start of your insurance plan. Treatment or advice may have been received for such conditions in the past. Covers for PEC and chronic conditions like hypertension, diabetes, peptic ulcer and arthritis are purchased in addition to any of our health insurance plans. This benefit is not just for older parents, it also covers younger people who have the pre-existing conditions listed above.

You can click here for a full list of all the items covered under the Pre-existing Conditions Extra Benefit.

Are pre-existing and chronic conditions covered on my insurance plan?

We do not cover pre-existing conditions on our regular Red Beryl or Alexandrite plans. However, if you purchase a Pre-existing Conditions (PEC) plan, we will cover CERTAIN pre-existing conditions such as Hypertension, Diabetes, Peptic Ulcer, and Arthritis. You only need one PEC plan even if you have multiple conditions.

Do you have an age limit for parents?

No, we don’t. You can buy either our Red Beryl or Alexandrite plan for your parents. However, if your parents have Pre-Existing Conditions such as Hypertension, Diabetes, Peptic Ulcer, or Arthritis, they will need to buy a PEC plan. This would cover consultations, tests, treatment and even medication for the 4 PECs we cover (click here for more details on PEC Extra Benefit). They also have access to a doctor 24 hours a day through the consult a doctor service on the app.

Must I use medication provided by RelianceHMO if I am on the Pre-existing Conditions Extra Benefit?

Yes, unless otherwise stated. Medication refills will be provided by our home visit team and are meant to help you prevent or manage chronic health conditions and should be taken seriously. In the event that your medications are unavailable, we will make arrangements for you to have them collected from a nearby hospital.

What if I have more than one pre-existing condition, do I pay for multiple Pre-existing Conditions Extra Benefits?

No, you only have to pay for one Pre-existing Condition Extra Benefit to get covered for Hypertension, Diabetes, Peptic ulcer disease and Arthritis. That is, if you have Hypertension and Arthritis and require coverage for both, you only need to purchase one Pre-existing Condition Extra Benefit and you get coverage for both

Are all medications for my pre-existing condition covered under the extra benefits?

Yes, all medications required to manage your pre-existing conditions are covered with the Pre-existing Conditions Extra Benefit.

Additional information

What if I don’t use my insurance?

It’s very simple; we have a cash back program. If you stay on an insurance plan continuously for 12 months AND you DID NOT use the insurance plan, we will automatically credit your account with 20% of all you have paid. No stories. This is only available for our retail clients.

Can I cancel my insurance at any time?

We’re sorry to see you go and would encourage you to continue to pay your premiums to enjoy top-notch health insurance. However, if you would like to cancel your insurance, you can do so at any time and we will only cover you for the period you have paid.

You can renew your insurance after cancellation, however, there will be a 1-week wait period before your coverage will commence for the period you paid for. Finally, if you made use of the insurance before cancellation, there will be an increase in your premium at renewal.

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