Have you ever wondered what separates a good health insurance from the rest in Nigeria? It’s the balance between cost, hospital access, and service quality. AXA Mansard has been a go-to option for many professionals and businesses.
Still, not everyone finds the experience matches their expectations, especially when it comes to customer support, hospital network changes, or claims processing speed.
We’ve rounded up top AXA Mansard HMO alternatives that make healthcare more accessible, with steady hospital access and responsive support.
Top 7 AXA Mansard HMO alternatives
- MyCoverGenius
- Reliance Health
- Hygeia HMO
- Avon Healthcare
- Leadway Health
- RedCare Health
- MetroHealth HMO
Why consider an AXA Mansard HMO alternative
1. Customer service challenges
Some customers have reported delays in getting support or policy clarifications from the customer service team. For people managing ongoing care or urgent needs, slow responses can be frustrating and reduce confidence in the support process.
2. Hospital network changes
Some policyholders have reported that hospitals were removed from AXA Mansard’s network during their active plan. This can be disruptive, especially if you’ve built a relationship with a doctor or clinic that suddenly becomes unavailable. Als,o when this happens, affected users may need to switch providers mid-year or pay out-of-pocket to continue care with familiar doctors.
3. Approval and access issues
Some customers also shared difficulties with claim approvals or accessing care smoothly at hospitals. While these experiences don’t reflect every policyholder’s reality, they highlight the importance of efficient coordination between HMOs and their partner facilities, especially during emergencies.
What to consider before choosing an AXA Mansard alternative
Your next health plan should fix what your current one doesn’t. Here’s what to look out for before leaving AXA Mansard:
1. Coverage range
Look for HMOs offering diverse plans for individuals, families, SMEs, and large corporations. Your needs today might not be your needs next year, so flexibility matters. Understanding HMO costs in Nigeria helps you evaluate which plans offer the best value for your specific situation.
2. Hospital network
Confirm the provider has strong hospital partnerships in your location and a track record of maintaining network stability. Check if your preferred hospitals are included and ask about network update policies. The top 5 best HMOs in Nigeria all maintain stable hospital networks with clear policies on network changes.
3. Support quality and approval speed
Fast, responsive customer support isn’t a luxury; it’s essential. Look for HMOs with 24/7 support, clear claims processes, and proven track records of timely approvals.
4. Clear terms and transparent pricing
Understand exactly what’s covered from day one. Watch out for waiting periods, exclusions, and graduated benefits that limit your access to care when you need it.
Quick overview of the best AXA Mansard HMO Alternatives
| Provider | Hospital Network | Pricing Range | Flexibility and Features | Ideal For |
| AXA Mansard | N12,000 (6 months) | 1,000+ hospitals | Affordable entry, international coverage available | Monthly/Quarterly/Annual |
| MyCoverGenius | 1,000+ hospitals | Plans start from ₦2,000 per person/per month | Flexible payments (monthly/quarterly/annually), transparent coverage, digital onboarding via WhatsApp, and telemedicine | Individuals, SMEs, families, HR managers |
| Reliance Health | 2,000+ hospitals | Quote-based | App-first experience, digital convenience, wellness programs | Small businesses and enterprises |
| Hygeia HMO | 2,000+ providers | Plans start from ₦26,515/year | Broad coverage for maternity and chronic care, strong hospital relationships | Families and businesses |
| Avon Healthcare | 2,000+ hospitals | N65,429/ year | Tiered plans for individuals and microbusinesses, with solid offline support | Budget-conscious professionals, small business owners |
| Leadway Health | 7,000+ globally | N85,724/year (corporate) N104,997/year (retail) | Mental wellness programs, international coverage, preventive health focus, | Large corporations, International travellers |
| RedCare Health | Over 600 hospitals | Custom quote | Comprehensive plans | Corporate teams, families needing customised coverage |
| MetroHealth HMO | Extensive network | Quote-based | Telemedicine, senior (sweet sixteen) plans, international options | Individuals and families |
The best AXA Mansard HMO alternatives in Nigeria for 2025
1. MyCoverGenius
MyCoverGenius stands as one of the best AXA Mansard HMO alternatives that combines digital convenience with flexible payments and responsive support. This Nigerian insurtech brand is redefining how people access insurance, from health and auto to gadget and third-party coverage.
MyCoverGenius offer 3 categories of HMO plans: FlexiCare, ZenCare, and PrimeCare. Each of these plans provides access to 1,000+ hospitals nationwide and covers outpatient, inpatient care, surgeries, maternal care, and telemedicine.
The standout feature is payment flexibility. Every plan can be paid monthly, quarterly, or annually, removing the pressure of large upfront costs that strain many Nigerian budgets.
Customer support sets MyCoverGenius apart from many competitors. Instead of relying solely on automated responses or slow ticket systems, you get responsive human support through WhatsApp and online channels. This helps when you need quick answers about claims, hospital access, or benefit details.
Claims approval typically happens within 24 hours, significantly faster than the multi-day waits some customers report with other providers.
MyCoverGenius pros
- Payment flexibility: choose monthly, quarterly, or annual terms
- Clear coverage details with no hidden exclusions
- WhatsApp and online support for quick responses
- 1,000+ partner hospitals with telemedicine access
- Plans for individuals, families, SMEs, and corporate groups
- Wellness benefits, including gym, spa, and telemedicine, on basic plans
- 24-hour claims approval in most cases
MyCoverGenius cons
- Newer player in the market with less historical data
- Hospital service quality may vary by region
Who is MyCoverGenius best suited for?
Companies, SMEs, families, and individuals who need flexible payment options and responsive support without sacrificing digital convenience.
Compare your current plan with what MyCoverGenius has to offer.
2. Reliance Health
If your main concern with AXA Mansard HMO is the customer service experience or the need for a more tech-forward approach, Reliance Health offers a compelling alternative. The company built its reputation on making health insurance accessible through a mobile-first platform that simplifies enrollment, plan management, and care requests.
Reliance Health’s app-first model makes it easy to sign up, manage plans, and request care, giving the company a strong tech edge. Its plans cater to SMEs and enterprises with options that include wellness programs and telemedicine.
Reliance Health pros
- Well-designed app for easy plan management
- 2,000+ partner hospitals nationwide
- Wellness programs built into coverage
- Telemedicine included
Reliance Health cons
- Basic plans exclude chronic illness medication
- Some users report multi-day approval waits
- Entry-level pricing feels high relative to coverage limits
If these limitations concern you, you might want to explore other Reliance Health alternatives that address these specific issues.
Who is Reliance Health best suited for?
Small businesses and enterprises that prefer managing everything through an app and value digital convenience over traditional customer service channels.
3. Hygeia HMO
Hygeia HMO provides one of Nigeria’s most extensive hospital networks at 2000+ facilities, making it a strong alternative to AXA Mansard HMO with a very wide coverage across Nigeria. The company focuses on building strong, lasting partnerships with healthcare providers.
Hygeia’s plans offer broader coverage for maternity, chronic conditions, and specialist care compared to many basic plans from other providers. This makes it particularly valuable for families and anyone managing ongoing health needs.
The company has added online plan selection and digital support, though the experience may feel less polished than newer tech-focused providers. What you gain is reliability, extensive hospital access, and thorough coverage options.
Hygeia HMO pros
- 2000+ hospitals nationwide
- Comprehensive maternity and chronic illness coverage
- Clear plan structures for individuals, families, and businesses
Hygeia HMO cons
- Higher pricing on premium tiers
- Digital platform less intuitive than newer competitors
Who is Hygeia HMO best suited for?
Families, professionals, and organisations who want long-term reliability over digital flashiness.
4. Avon Healthcare Limited
If you’re looking for an AXA Mansard HMO alternative that goes beyond basic medical coverage to include wellness programs, Avon Healthcare deserves consideration. The company focuses on comprehensive health plans that incorporate fitness initiatives and health education alongside standard medical care.
Plans cover outpatient and inpatient care, specialist consultations, surgery, and maternity services. What sets Avon apart is the wellness component: health screenings, fitness programs, and chronic disease management built into coverage. The company works with over 2,000 hospitals across Nigeria, with particularly strong urban coverage.
For corporate clients, this wellness focus can help with employee productivity and preventive care, potentially reducing long-term healthcare costs. Retail customers get access to personalised healthcare coordination that helps navigate treatment options and provider networks.
Avon HMO pros
- Wellness programs, including fitness initiatives and health education
- Over 2,000 hospitals with strong urban coverage
- Comprehensive medical coverage, including maternity and specialist care
- Personalised healthcare coordination
- Corporate plans designed for employee benefits
Avon HMO cons
- Retail pricing requires custom quotes, limiting upfront transparency
- The digital platform is less advanced than newer providers
- Corporate plans start at higher price points
Who should choose Avon Healthcare?
Corporate teams seeking employee benefits with wellness components, individuals wanting health education and fitness programs alongside medical coverage, or anyone valuing personalised healthcare coordination.
5. Leadway Health
An AXA Mansard HMO alternative that stands out for nationwide flexibility and mental wellness support is Leadway Health. It goes beyond standard coverage with a roaming hospital service that lets you access care from any provider across Nigeria, which is especially helpful if you or your team move around often.
What sets Leadway apart is their Employee Assistance Programme with mental wellness programs and medical concierge services. All plans include outpatient and inpatient services, advanced pharmacy benefits with prescription drug delivery, 24/7 telemedicine, and mental wellness support.
Pre-existing conditions are also covered for all staff when disclosed at policy inception, though there’s a 7-day waiting period for new coverage.
Leadway Health pros
- Roaming hospital service for nationwide provider access
- Mental wellness programs through the Employee Assistance Programme
- Pre-existing condition coverage when disclosed at policy start
- Prescription drug delivery through advanced pharmacy benefits
- International plans with access to 7,000+ global providers
- Medical concierge services
- 24/7 telemedicine
Leadway Health cons
- 7-day waiting period for new coverage
- Corporate plans require personalised quotes
- Higher starting price compared to basic entry-level options
Who is Leadway Health best suited for?
Corporate teams needing employee health plans with clear tier options, businesses with staff who travel internationally, organisations wanting preventive care and chronic condition management, or individuals and families seeking mental health support alongside comprehensive medical coverage.
6. RedCare Health
RedCare Health stands out as an AXA Mansard alternative by offering scalable coverage through three distinct categories: Corporate, Private, and Other specialised plans. Each tier addresses common ailments and procedures within Nigeria while varying in benefit levels and hospital access to suit different budgets.
Beyond typical medical coverage, RedCare expands into specialised healthcare services. The “Other plans” section features Bupa international plans for overseas medical care, on-site clinic management for businesses, and workplace safety screenings, including food handlers’ tests, pre-employment health checks, and drug/alcohol testing.
The Community Health Plan provides affordable, subsidised healthcare for low-income groups in rural areas, expanding access beyond urban centres.
The main differences across plans involve benefit levels and hospital access, allowing you to match coverage to your budget and medical needs.
RedCare Health pros
- Flexible tiered options for individuals, families, and corporate teams
- International coverage available through Bupa plans
- Specialised services like clinic management and workplace screenings
- Community health plans for rural and low-income groups
RedCare Health cons
- Pricing requires custom quotes, making it harder to compare upfront
- Limited publicly available information on hospital network size
- May require more documentation for specialised plans
Who is RedCare Health best suited for?
Corporate teams, families needing customised coverage, and organisations requiring specialised healthcare services like on-site clinic management or international coverage options.
7. MetroHealth HMO
If you’re looking for an AXA Mansard HMO alternative that serves diverse needs through multiple plan types, MetroHealth HMO is a strong contender. They offer a wide range of health plans designed to meet the needs of individuals, families, seniors, and organisations of all sizes. Their key plans include Corporate, Retail and SME, individuals, couples, families, small businesses, and the Sweet Sixties Plan for enrollees aged 60–69.
They also provide Diaspora Plans for Nigerians abroad who want to cover loved ones at home, and International Plans for those seeking healthcare access outside Nigeria. All plans include essential benefits such as diagnostics, surgeries, maternity care, dental and optical care, physiotherapy, HIV care, pediatric services, emergencies, and family planning.
Metro Telemedicine enables enrollees to consult doctors easily via calls and chats, enhancing their healthcare experience.
MetroHealth HMO pros
- Wide range of plans catering to different age groups and needs
- Diaspora plans for Nigerians abroad, covering family members at home
- International coverage options available
- Telemedicine services for convenient consultations
- Comprehensive benefits including dental, optical, and maternity care
MetroHealth HMO cons
- Custom pricing limits upfront transparency
- Digital platform is less advanced than newer providers
- Limited publicly available customer feedback on service quality
Who is MetroHealth HMO best suited for?
Families, organisations, seniors, and Nigerians in the diaspora who want flexible healthcare options with both local and international coverage, plus the convenience of telemedicine.
How to Switch from AXA Mansard to MyCoverGenius
Switching from AXA Mansard to MyCoverGenius involves a straightforward process without coverage gaps or complex paperwork. Here’s how to transition smoothly in 4 easy steps:
1. Select Your New Plan
Browse MyCoverGenius plans online for plans that best suit your needs. Coverage extends beyond health to auto, gadget, and group life insurance. Our team can guide you through plan selection if you have questions.
2. Check Your Current Policy Terms
Review your AXA Mansard policy for:
- Renewal or expiration dates
- Pending claims or reimbursements
Switching at renewal time ensures a smooth transition without losing accumulated benefits.
3. Complete MyCoverGenius Enrollment
After selecting your plan:
- Finish online enrollment (under 5 minutes)
- Upload required documents
- Make your first payment
Coverage activates within 24 hours of payment, giving you immediate access to care.
4. Finalise Your Transition
- Share new policy details with dependents or the HR team
- Save your HMO ID card on your phone or access it through your MyCoverGenius dashboard
Your switch is complete with continued healthcare access and added flexibility for managing your plan digitally or via WhatsApp.
Choose an HMO that meets your actual needs
Healthcare matters too much to accept slow responses, unstable hospital networks, or coverage that disappoints when you need it. If you’re managing HR for a team, running a small business, or securing care for your family, MyCoverGenius provides flexible, dependable plans built around real needs.
Browse through our health insurance plans or speak with our team to experience health insurance that actually works for you.