Health insurance advertisement with text emphasizing family health and benefits. Features images of a paper cutout family with a heart, a family outdoors, and a smiling person. Highlights flexible coverage and budget-friendly options.

Affordable Health Coverage for Mothers and Families in Nigeria

At MIHEI, we know that navigating healthcare—especially during pregnancy, childbirth, and early motherhood—can be overwhelming. That’s why we’ve partnered with an HMO company to bring you reliable and affordable health plans, designed with women and families in mind.

Whether you're seeking basic coverage or a more comprehensive plan, we’ve got you covered.

Choose your plan

MIHEI HMO Plans

MIHEI HMO Medical Insurance Plans

Basic Plan
₦35,000
per year
₦400,000 Benefit Limit
Consultations
GP Consultations ✓ Covered
Specialist Consultations 6 visits/year
Virtual GP Consultations 24/7 Unlimited
Diagnostics & Tests
Laboratory Tests ✓ Covered
X-rays & Scans ✓ Covered
Ultrasounds ✓ Covered
Medications & Surgery
Medications ₦80,000
Surgeries ₦80,000
Hospital Admissions Not Covered
Additional Benefits
Emergency Care ✓ Covered
Ambulance Services ✓ Covered
Hospital Cash ₦30,000
Immunizations ✓ Covered
Family Planning ✓ Covered
Waiting Periods
Surgery Waiting Period 9 months
General Waiting Period 7 days
Standard Plan
₦45,000
per year
₦600,000 Benefit Limit
Consultations
GP Consultations ✓ Covered
Specialist Consultations 9 visits/year
Virtual GP Consultations 24/7 Unlimited
Diagnostics & Tests
Laboratory Tests ✓ Covered
X-rays & Scans ✓ Covered
Ultrasounds ✓ Covered
Medications & Surgery
Medications ₦100,000
Surgeries ₦150,000
Hospital Admissions 7 days/year
Maternity & Additional
Maternity Services ₦80,000
Emergency Care ✓ Covered
Ambulance Services ✓ Covered
Immunizations ✓ Covered
Family Planning ✓ Covered
Waiting Periods
Maternity & Surgery 9 months
General Waiting Period 7 days
Basic Plus Plan
₦41,000
per year
₦500,000 Benefit Limit
Consultations
GP Consultations ✓ Covered
Specialist Consultations 6 visits/year
Virtual GP Consultations 24/7 Unlimited
Mental Health Therapy ✓ Covered
Chronic & Special Care
Chronic Conditions ✓ Covered
Drug Delivery ✓ Covered
HIV/AIDS Care ✓ Covered
Medications & Surgery
Medications ₦80,000
Surgeries ₦80,000
Hospital Admissions 3 days/year
Wellness & Benefits
Wellness Benefit ₦3,000/month
Physiotherapy Appliances ₦15,000
Immunizations ✓ Covered
Family Planning ✓ Covered
Waiting Periods
Surgery Waiting Period 9 months
General Waiting Period 7 days
Standard Plus Plan
(ReadyMama)
₦68,500
per year
₦700,000 Benefit Limit
Comprehensive Consultations
GP Consultations ✓ Covered
Specialist Consultations 9 visits/year
Mental Health Therapy ✓ Covered
Nutritionist Care ✓ Covered
Premium Care Services
Chronic Disease Care ✓ Covered
Drug Delivery ✓ Covered
HIV/AIDS Care ✓ Covered
Psychiatric Treatment Outpatient Only
Enhanced Coverage
Medications ₦100,000
Surgeries ₦150,000
Hospital Admissions 7 days/year
Premium Benefits
Maternity Services ✓ Full Coverage
Wellness Benefit ₦3,000/month
Physiotherapy Appliances ₦15,000
Immunizations ✓ Covered
Family Planning ✓ Covered
Waiting Periods
Maternity & Surgery 3 months
General Waiting Period 7 days

Ready to Register?

You can register online by clicking on the “Register Here” button on this page, or simply reach out via WhatsApp or call:

📞 Call/WhatsApp: +2348103763078
💬 WhatsApp only: +2347081904930 or +2349030566916

Or Email: HMO@mihei.org

Our team is ready to guide you through the process and answer any questions!

Why We Created the MIHEI HMO Plan

At MIHEI, we believe that no woman should have to choose between her health and her finances, especially during pregnancy and childbirth. Yet in our 2024 needs assessment of over 1,000 perinatal women across Lagos State, only 10% reported having any form of health insurance. This means the vast majority of women are paying out-of-pocket or delaying care entirely, increasing the risk of complications and even loss of life.

We launched the MIHEI HMO Plan to change that.

Health insurance has been proven to increase access to timely antenatal care, safe delivery services, and postpartum follow-up, all of which are essential for saving lives and improving outcomes. Through our HMO packages, we are breaking down financial barriers and helping women, especially those in low-income communities, get the care they need without delay.

Our packages are designed to:

  • Reduce out-of-pocket spending

  • Connect women to affordable, quality healthcare providers

  • Integrate Birth Attendants into a supportive referral network

  • Ensure continuity of care from pregnancy through postpartum recovery

As part of our commitment to emergency readiness, we are proud to partner with Emergency Response Africa to provide reliable ambulance services as part of select HMO packages. This ensures that women experiencing complications can access urgent care quickly and safely, no matter where they are.

This is more than just a healthcare plan. It’s a step toward health equity, built on real data, real needs, and a real commitment to mothers and babies in Nigeria.


Our Partners:

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