Having dependable health insurance coverage, especially when you’re juggling the needs of employees, family, or yourself is extremely important. Many Nigerians have used Reliance HMO at some point, drawn to its tech-forward plans and easy sign-up process but as healthcare needs evolve, not everyone finds the coverage, hospital network, or customer support they expect.
If you’ve been rethinking your current reliance HMO plan or looking to explore other health insurance providers that offer stronger value, better service, or wider access to care, this guide breaks down the best Reliance HMO alternatives worth considering in 2026.
Top 5 best Reliance HMO alternatives
- MyCoverGenius
- Axa Mansard Health
- Hygeia HMO
- Leadway Health
- Avon Healthcare
Why consider a Reliance HMO alternative?
Reliance HMO is one of the most visible names in Nigeria’s health insurance space and for good reason. Its app-first model makes it easy to sign up, manage plans, and request care, giving the company a strong tech edge over many traditional HMOs.
But as with any fast-growing service, there are some recurring pain points users have highlighted. Here are a few of the most common:
1. Affordability concerns & pricing changes
Reliance HMO’s entry-level plan starts at ₦90,000 per quarter. While that’s positioned as affordable, it doesn’t cover chronic illness medication, a limitation that can be significant for anyone managing long-term conditions.
For context, with Nigeria’s minimum wage at ₦70,000 per month, setting aside ₦90,000, for even basic coverage can be financially demanding.
Some users have also expressed concern about recent price adjustments and changes to available plan tiers. One customer shared that she had to choose between a ₦395,000 plan that included her preferred hospitals and a ₦90,000 option with limited access—a story that sparked wider discussions online about healthcare affordability in Nigeria.
2. Approval times and service delays
A number of customers have also shared that getting treatment or medication approved can take longer than expected, even on premium plans.
Another user mentioned waiting several days for medication approval during an illness.
While these experiences may not represent every user’s outcome, they underscore the importance of improving response times and ensuring clearer communication around policy status, renewals, and approvals.
3. Limited hospital network in some regions
Reliance HMO advertises access to over 2,000 partner hospitals and clinics across Nigeria. However, some customers have found that their preferred hospitals were not included in the network. This makes it crucial to confirm hospital availability before signing up, since network reach remains one of the biggest factors influencing overall satisfaction with an HMO plan.
What to consider before choosing a Reliance HMO alternative
Before switching from Reliance HMO, you need to understand what truly matters for your healthcare coverage:
1. Plan variety & flexibility
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.
2. Hospital network reach
Confirm the provider has strong hospital partnerships in your location. Check if your preferred hospitals are included and whether the network extends to areas where your family members live.
3. Customer support & claims processing
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. Transparent pricing & coverage
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 most.
The best Reliance HMO alternatives at a glance
| Provider | Hospital Network | Pricing Range | Flexibility and Features | Ideal For |
| My CoverGenius | 1,000+ hospitals | Plans start from 7000 naira per month. | Flexible payments (monthly/quarterly/annually), transparent coverage, digital onboarding via WhatsApp, telemedicine, and wellness benefits | Individuals, SMEs, families, HR managers, and people managing chronic conditions |
| AXA Mansard | 1,300+ hospitals | Plans range from ₦20,000–₦489,000 per year | Strong corporate plans, international coverage on select tiers, reliable claims handling | Corporates and professionals seeking comprehensive benefits |
| Hygeia HMO | 1,800+ hospitals & 700 pharmacies | Plans range from ₦55,590–₦230,112 per year | Legacy provider, broad coverage for maternity and chronic care, good hospital relationships | Families and established businesses wanting traditional reliability |
| Leadway Health | Nationwide coverage via Leadway Assurance network | Medium–High pricing range | Data-driven care management, preventive health focus, | Large corporates, traditional businesses |
| Avon Healthcare | 300+ hospitals | Plans start fro, ₦27,500+ per year | Tiered plans for individuals and microbusinesses, solid offline support | Budget-conscious professionals, small business owners, and families |
The best Reliance HMO alternatives in Nigeria for 2025
1. MyCoverGenius
If you’re looking for a Reliance HMO alternative that keeps the digital convenience but adds more flexibility and human support, MyCoverGenius is a strong contender. The Nigerian insurtech brand is redefining how people access insurance from health and auto to gadget and third-party coverage. Its digital-first platform allows users to buy, manage, and renew plans online or through WhatsApp, cutting out the paperwork and long approval chains that frustrate many Nigerians.
Among its offerings is the “Flexicare” health insurance plan, created to bridge the gap between affordability and quality care. It provides access to 1000+ hospitals nationwide and covers up to ₦1 million annually in medical bills, including outpatient, inpatient care, surgeries, maternal care, and telemedicine.
While Reliance HMO pioneered app-based access to healthcare in Nigeria, MyCoverGenius goes a step further by prioritizing flexibility and transparency. All health insurance plans, for instance, can be paid monthly, quarterly or annually, a structure that aligns better with the financial realities of many Nigerians.
Another distinction is customer support. While many HMOs rely heavily on automated systems or typically slow response, MyCoverGenius combines digital convenience with responsive human support, helping customers navigate claims, hospital access, and benefit explanations more smoothly.
MyCoverGenius pros
- Transparent coverage details that clearly outline what’s included and what’s not
- Flexible payment options — monthly, quarterly, or annually
- Seamless onboarding and support via WhatsApp and online channels
- Access to 1,000+ hospitals and telemedicine services nationwide
- Designed for individuals, families, SMEs, and corporate teams
- Wellness add-ons like gym, spa, and telemedicine even on basic plans
- Fast and reliable claims approval often within 24 hours
MyCoverGenius cons
- As a newer entrant in health insurance, long-term performance data is still growing
- Some regional hospitals may have variable service levels
Who is MyCoverGenius best suited for:
MyCoverGenius is best suited for companies, SMEs, families and individuals, who value flexibility and digital convenience without sacrificing personal support. If you prefer to manage your healthcare online, spread payments across the year, and have access to straightforward coverage terms, MyCoverGenius stands out as a strong alternative to Reliance HMO.
2. AXA Mansard Health
If your main concern with Reliance HMO is network reliability or access to established hospitals, AXA Mansard is one of the strongest alternatives to consider. As part of the global AXA Group, the company brings decades of insurance experience and one of the widest healthcare networks in Nigeria.
Unlike newer digital-first HMOs, AXA Mansard’s strength lies in scale and long-term partnerships with hospitals nationwide. This makes it particularly appealing to users who want predictable service delivery and fewer network-related surprises.
Another area where AXA Mansard stands out is in its corporate and international coverage options. Some plans include emergency medical care abroad and tailored benefits for organisations, features that aren’t usually found in entry-level Reliance plans.
That said, AXA Mansard’s structure and pricing reflect its traditional roots. While its plans are comprehensive, they’re often more expensive, and the onboarding process can feel slower compared to newer, app-based HMOs.
Axa Mansard pros
- Backed by a globally recognized insurer with strong financial stability
- Broad hospital network and established provider relationships
- International emergency coverage on select plans
- Flexible plans for individuals, families, and corporates
- Multiple access points (digital portal, customer service, in-person offices)
Axa Mansard cons
- Plans are significantly more expensive and it might take a while to get value especially on cheaper tiers.
- Onboarding and customer support processes may feel more traditional
- Occasional slower response times during high demand periods
Who is AXA Mansard best suited for?
Professionals, families, and organisations who prefer a well-established, large-scale HMO with dependable hospital access and comprehensive benefits, even at a higher price point.
3. Hygeia HMO
For anyone who values consistency and a proven track record, Hygeia HMO is one of the most trusted alternatives to Reliance HMO. With over 30 years in Nigeria’s healthcare space, Hygeia has built deep partnerships with hospitals across the country long before digital health platforms became the norm.
While Reliance offers a fast, app-based experience, Hygeia appeals to those who prefer structure, stability, and established relationships with healthcare providers. Its plans tend to go broader in coverage, especially for maternity, chronic illnesses, and specialist care areas where some Reliance plans can feel limited.
In recent years, Hygeia has modernised parts of its operations with online plan selection and digital support channels. Still, its strength remains in dependable service and strong hospital partnerships rather than cutting-edge tech.
Hygeia HMO pros
- Over 30 years of experience and one of Nigeria’s widest hospital networks
- Strong coverage for maternity, chronic conditions, and specialist care
- Transparent plan tiers for individuals, families, and businesses
- Long-standing partnerships with top hospitals and clinics nationwide
Hygeia HMO cons
- Premium plans can be relatively pricey compared to newer HMOs
- Digital experience is functional but less seamless than tech-first providers
- Some users report slower turnaround times for claims or feedback
Who is Hygeia HMO best suited for?
Families, professionals, and organizations who want long-term reliability over digital flashiness. If you prefer an HMO with proven healthcare partnerships, stable coverage, and a strong reputation for consistency, Hygeia remains one of the most dependable alternatives to Reliance HMO.
4. Leadway Health
If you’re looking for a Reliance HMO alternative that combines strong corporate backing with modern healthcare delivery, Leadway Health is worth considering. A subsidiary of Leadway Assurance, one of Nigeria’s most reputable insurers, Leadway Health brings financial strength and structured care management together in one platform.
Unlike Reliance, which leans heavily on tech-driven convenience, Leadway Health focuses on proactive healthcare, helping customers stay healthy rather than only responding when they fall ill. This emphasis on preventive care and data-driven coordination makes it stand out among traditional HMOs.
Its digital tools for plan management, telemedicine, and benefits tracking are well-integrated, even if the onboarding process feels a bit more formal. While pricing sits slightly above entry-level Reliance plans, customers benefit from consistency, reliability, and long-term stability, especially for families or organisations that value predictable service.
Leadway health pros
- Backed by Leadway Assurance, ensuring strong financial and operational stability
- Emphasis on preventive care and chronic illness management
- Streamlined digital tools for plan management and telemedicine
- Strong hospital partnerships nationwide
- Transparent and data-driven claims process
Leadway health cons
- Premium plans are pricier than Reliance’s entry-level options
- Limited budget-tier plans for lower-income users
- Slightly more formal onboarding and documentation requirements
Who is Leadway Health best suited for?
Families, professionals, and organisations who want a dependable, financially solid HMO that balances structure with digital convenience. If you prefer long-term reliability and a proactive approach to health management, Leadway Health is a solid alternative to Reliance HMO.
5. Avon Healthcare Limited
If you’re looking for a Reliance HMO alternative that strikes a balance between traditional reliability and modern accessibility, Avon Healthcare (Avon HMO) is a solid option. Avon caters to a broader audience from self-employed Nigerians using micro plans to families and small businesses seeking more comprehensive healthcare coverage. Its tiered plans make it easier for people to find something that fits their income level and medical needs without feeling boxed in.
Avon also offers nationwide hospital access and dependable customer support, both online and offline. While its digital tools are less advanced than Reliance’s or newer insurtechs, many users appreciate the personal touch of being able to walk into an office or speak with a support agent when needed.
Avon HMO pros
- Wide variety of plans from micro to premium for individuals, families, and businesses
- Good customer support through both digital and physical channels
- Coverage includes maternity, chronic illness, and specialist care on select plans
- Broad hospital network with nationwide reach
Avon HMO Cons
- Digital experience less intuitive than Reliance or newer insurtechs
- Some plans require more documentation or manual sign-up steps
- Claims processing can be slower during high-demand periods
Who is Avon HMO best suited for?
Families, working professionals, and small business owners who want affordable, flexible coverage with the reassurance of strong offline support. If you prefer a more balanced HMO experience, part digital, part personal, Avon Healthcare is a dependable alternative to Reliance HMO.
If you’re switching from Reliance and want to keep the digital ease but add in greater flexibility and transparency, MyCoverGenius offers a balanced alternative.
Explore plans that fit you or your loved ones here
How to switch from Reliance HMO to MyCoverGenius
If you’re currently on a Reliance HMO plan and thinking about making a change, switching to MyCoverGenius is a straightforward process. You don’t have to worry about losing coverage or facing complex paperwork, the process is smooth, fast, and fully supported from start to finish.
Here’s how to make the switch smoothly:
1. Choose your new plan confidently
Start by exploring MyCoverGenius plans online. You’ll find options for individuals, families, and businesses with coverage that also extends to auto, gadget, and group life insurance. If you have specific questions or need help choosing a plan, our team is available to guide you through the process.
2. Review your Reliance HMO terms
Before switching, check your current policy for:
- Renewal or expiration dates
- Pending claims or reimbursements
Most HMOs allow you to switch providers once your plan is due for renewal, so timing it right ensures a smooth transition.
3. Enrol with MyCoverGenius
Once you’ve chosen your new plan:
- Complete your online enrolment (it takes less than 5 minutes)
- Upload any required documents
- Make your first payment
Your coverage becomes active within 24 hours of payment, so you can start accessing care almost immediately
4. Make your transition seamless
- Share your new policy details with your dependents or HR team (if applicable)
- Save your new HMO ID card on your phone or access it anytime through your MyCoverGenius dashboard
And that’s it — your switch is complete. You’ll have continued access to healthcare without any gaps in coverage, plus the added flexibility of managing your plan digitally or via WhatsApp.
Make the switch to an HMO that actually suits your needs
Healthcare is too important to settle for slow responses, hidden limits, or plans that fall short when it matters most. Whether you’re an HR manager seeking dependable coverage for your team, a small business owner managing costs, or a family prioritising quality care, MyCoverGenius offers flexible, reliable plans designed around your needs.
Explore our health insurance plans or speak with our team and experience health insurance that actually works.