Get Reliance HMO, compare and pay less
Access more than ₦1.2m worth of health insurance coverage and pay as low as ₦ 3, 500 monthly.
₦3, 500
Minimum Price
36 + FCT
States Coverage
1.2m
Min. Premium Worth
Reliance HMO
(4.8 / 5)
- A low pricing starter of ₦3, 500 for ₦1.2m worth of health care
- Services redeemable nationwide at Reliance HMO 850+ partner hospitals
- 20% of your annual payment back if you stay healthy all year
- Telemedicine puts doctors in your pocket
- All plans come with gym access
Reliance HMO Plans and Prices
Reliance health insurance has three individual-focused plans:
** These plans are also applicable if you want to buy for your family consisting a minimum of four persons and you will get a discount of 20%.
Editor’s Pick
Alexandrite Individual
A ₦1.8 million health coverage at over 800 hospitals, 150+ more than that allowed for its Red Beryl plan including access to gym and spa at just ₦6,000 per month, this is our top pick plan to go for.
Alexandrite is a medium-sized Reliance HMO plan which covers wellness and health checks including that for eye and dental.
If you love the gym, this is the best plan for you as it comes with 2 sessions per week, which is one more than the basic alternative.
For cases that might demand surgery, Alexandrite will bear the cost of up to ₦300, 000 which is 100% more than the Red Beryl.
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This is the recommended plan as you will enjoy a 6% plus discount compared to lower options hence, saving some money.
Reliance health insurance’s Alexandrite plan cost ₦66, 250 annually which is up to 7% cheaper compared to its quarterly and monthly payment bases.
To subscribe to the quarterly plan, you will have to pay ₦17, 750 every 3 months which will be a total of ₦71, 000 at the end of each year.
At this pricing, this is about 1.4% cheaper than the monthly plan but over 6% higher compared to the yearly alternative.
This is the flexible monthly option and it will cost you ₦6, 000 per month, which is a total of ₦71, 000 at the end of the year.
The reason we prefer you opt for the annual or better still the quarterly option is that each of the options comes with graduated benefits which improve based on how long you continue to renew.
Once you missed a payment, you get downgraded losing all earned benefits.
Nevertheless, you can get the monthly plan and upgrade to annual or quarterly once you are ready.
- A medical coverage worth ₦1.8 million a year
- Access to health specialists five times per year
- ₦300,000 for 14 different surgeries available every year.
- Free wellness and health checks at selected Reliance health insurance centres
- Access to eye and dental care
- Access to gym (2 sessions per week) and spa (once per year)
- Consult with doctors for free from anywhere using the Reliance Care mobile app
- Instant access to healthcare
- Access to 888 hospitals all over Nigeria
Red Beryl Individual
Reliance HMO’s Red Beryl is the cheapest plan starting at just ₦3, 500 per month.
This package gives you health insurance coverage worth ₦1.2 million per year, accessible from over 700 hospitals nationwide.
If you want to stay fit and build some muscles, this plan also comes with access to the gym, though once per week.
As against Alexandrite’s ₦300, 000 coverage for surgery cases, this plan gives you maximum insurance worth ₦150, 000 which is limited to 9 different kinds of surgeries.
While the Red Beryl Individual Reliance HMO’s plan does not give you as much as the Alexandrite, this still has good coverage which makes it worth considering.
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If you want to consider the Red Beryl plan, consider getting the annual payment option and save over 7% compared to buying the lower insurance packages.
Reliance HMO’s Red Beryl plan cost ₦38, 650 annually which is over a 6% cheaper compared to its quarterly and monthly alternatives.
To subscribe for the quarterly plan, you will have to pay ₦10, 350 every 3 months which will be a total of ₦41, 400 at the end of each year.
With the cost, this is also about 1.4% cheaper to the monthly plan but over 6% higher compared to the yearly alternative.
This is the flexible monthly option for the Red Beryl Individual plan which will cost you ₦3, 500 per month, which is a total of ₦42, 000 annually.
Just as suggested with the Alexandrite Reliance insurance plan, opting for an annual or quarterly plan keep you safe from missing out on graduated benefits.
If you miss a payment, you get downgraded losing all earned benefits prompting a fresh build-up once you renew your subscription.
But then, you can get the monthly plan and upgrade to annual or quarterly in the future.
- A medical coverage worth ₦1.2 million a year
- Access to health specialists three times per year
- ₦150,000 worth of coverage for 9 different surgeries available every year.
- Free wellness and health checks at selected Reliance HMO centres
- Access to the eye and dental care
- Access to the gym (1 session per week), but no spa
- Consult with doctors for free from anywhere using the Reliance Care mobile app
- Instant access to healthcare
- Access to 717 hospitals all over Nigeria
Pre-existing Condition Plan
PEC plan is a Reliance health insurance’s special addon package for people with severe conditions like arthritis, hypertension, peptic ulcer and diabetes.
It is suitable for older people but for younger ones with special cases as mentioned above, it can as well be purchased together with any of the earlier two plans for full health insurance.
This plan is chargeable at the rate of ₦11, 500 on monthly basis but payment for four or 12 months at a go will grant you a 20% discount.
One good side of this plan is the home medication delivery which means the patients do not have to visit the health centres as the needed medication will be delivered to them.
Note that this only covers special conditions mentioned, if you or the person that needs this desire access to benefits of either Red Beryl or Alexandrite, this has to be bought together with any of them.
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The annual cost for the pre-existing condition plan is ₦110, 400, 20% cheaper than paying the monthly subscription at the end of the year.
Saving ₦27, 600 going for the annual option is worthwhile.
If you plan to buy for your parent, this is the best to go for as it is one-off, meaning you won’t have to be bothered with monthly or quarterly payments.
Buying for four months also grant you a discount of 20% compared to purchasing the monthly subscription.
The monthly flexible pre-existing condition Reliance HMO plan goes for ₦11, 500.
While this looks affordable, its accumulated annual cost is ₦138, 000, which is 20% higher than the total for four months and 12 months of purchase.
But if for cost you want to try this out, you can and consider upgrading later to save some money.
- Treatment redeemable immediately after purchase
- Periodic check-ups by health coach
- Home delivery of necessary medication
- Free wellness and health checks at selected Reliance HMO centres
About Reliance HMO
With an ill-managed HMO service to users, Reliance HMO was born in 2017 to close the gaps in the industry through the use of technology.
Today through its innovative e-ID, you do not need to worry about fighting to ensure you do not lose your physical health card as your identity for service redemption is virtual and accessible from your account via the web portal or your mobile application.
Reliance health insurance provider falls under the list of nationally approved HMOs in Nigeria. With this license class, buying a plan from them can be redeemed in any state nationwide at a partnering hospital.
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