Hygeia HMO

Hygeia HMO

VerifiedNHIA VerifiedLagos

NHIA AccreditedLicense No. HYGVerify on nhia.gov.ng

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Coverage

What's typically covered

A general picture of the benefit categories Vetra-listed HMOs cover. Exact limits depend on the plan you choose — see the Plans page for specifics.

Outpatient care

  • General consultations
  • Routine investigations & lab tests
  • Prescribed medication
  • Follow-up visits

Inpatient care

  • Hospital admissions
  • Surgical procedures (per plan limit)
  • Intensive care (per plan)
  • Theatre & ward charges

Maternity

  • Antenatal care
  • Delivery (vaginal or caesarean per plan)
  • Postnatal care
  • Newborn care for the first weeks

Diagnostics & imaging

  • X-ray, ultrasound, ECG
  • CT / MRI (per plan limit)
  • Routine pathology
  • Specialised investigations on referral

Pharmacy

  • Prescription medication
  • Chronic medication refills
  • NHIA essential drug list

Optical & dental

  • Eye examination
  • Basic optical (frames per plan)
  • Routine dental check-ups
  • Scaling & polishing (per plan)

Common exclusions

Cosmetic procedures, fertility treatment, and chronic conditions diagnosed before the policy starts are typically excluded across most plans on the Nigerian market. Check the plan's full terms before enrolling.

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