Reliance: How to Opt for a Personal Health Insurance in Nigeria


Many corporate organizations offer health insurance as an employment benefit. However, it doesn’t mean that health insurance is generally exclusive to workers. Anyone in Nigeria can purchase an individual health insurance plan or add members of their family to a family plan. Health insurance is an investment in your physical well-being because it makes healthcare very accessible and affordable. 

Your health insurance helps you cover unexpected medical costs such as a check-up, medicine, treatments, hospitalization and so much more. It can even cover surgical expenses. This is why it’s important to opt for a good health insurance plan. In this article, we’ll be showing you how to subscribe to a family or individual health insurance on the Reliance HMO website.

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What is Reliance HMO?

Reliance HMO is an online health insurance app that uses data science and telemedicine to improve medical care access to Nigerians. They offer a convenient method of opting for and accessing health insurance across many hospitals in the nation. 

How Does the Health Insurance on Reliance Work? 

Reliance HMO is partners with over 150,000 hospitals. Once you pay for a plan, you can select the nearest hospital to you on your enrollment form to access health care. You don’t need to place any calls before going to the hospital. Simply walk in and when you’re asked for your HMO, provide the ID generated for you on the Reliance app.

You can also chat with a doctor at any time of the day. Once you’re enrolled, simply tap on the ‘Consult a Doctor’ option on the menu of your app or the website. The doctor will ask you for more details about your condition, give you basic advice, and if applicable a prescription for simple over-the-counter (OTC) medication.

The app also allows you to choose from their available plans. Each of these plans has flexible payment methods that can be remitted monthly, quarterly, or annually. For any inquiries or emergencies, they have a customer care hotline you can call. And if you do have a good health track, you’d be refunded 20% of your annual payment.

Available Health Plans and Pricing

Reliance HMO currently has three available plans; Red Beryl, Alexandrite, and Diamond

Red Beryl:  This plan costs N3,500 per person monthly, N10,500 quarterly, and 38,500 annually.

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Alexandrite: costs N6,000 per person monthly, N18,000 quarterly, and N66,000 annually.

Diamond: costs N13,500 per person monthly, N40,500 quarterly, and N148,500 annually.

All plans contain

  • Combined medical cover
  • Assistance with surgeries every year
  • Free drug pickup from pharmacies
  • Unlimited chats and phone calls with doctors
  • Eyecare
  • Dental care
  • Gym
  • Hospital ward care
  • Immunization 

And so much more. For a more comprehensive benefits list, visit their page here.

How to Subscribe for a Reliance Health Insurance

  • Visit the Reliance Website, choose a plan, enter how many people you’d want to purchase for, and click on ‘Buy’
  • On the notification below, click on ‘Click to proceed’
  • Switch between the toggle to choose your preferred payment period (monthly, annually, quarterly) and click on ‘Next’
  • Fill out the form with your details
  • Enter your card details and pay
  • Get your login details from your email, download the app and log in to complete your plan set up.

So will you be opting for a health insurance plan? What are your thoughts concerning them? Let us know in the comment section below.


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