A Healthcare Companion, Not Just a Shopping Tool

Many people don't have HMO because they don't work in organisations that provide it. Many who do have coverage struggle to understand or maximize their benefits. And when illness strikes, the fear of hospital bills often causes people to delay care, self-medicate, or guess at pharmacy counters. Guidr exists to help you get covered, understand your cover, navigate healthcare, and make the most of your benefits.

Aggregated Licensed HMO Partners

  • AXA Mansard Health: EasyCare, Individual Health Tiers
  • Hygeia HMO: HyLite, HyEssential, HyBonus
  • Reliance Health: Red, Blue, Gold Tiers
  • Leadway Health: Primary, Comprehensive
  • Avon HMO: Retail & Family Health Plans
  • MetroHealth HMO: Standard & Executive Tiers
  • Anchor HMO: Individual & Micro-team Plans

Featured Health Insurance Plans & Pricing

HMO Provider Plan Name Annual Premium Outpatient Limit Inpatient Limit Prescription Drugs Dental & Optical Maternity
AXA Mansard EasyCare ₦45,000 / yr ₦150,000 ₦500,000 80% Covered Excluded Optional Add-on
Hygeia HMO HyLite ₦65,000 / yr ₦250,000 ₦1,000,000 100% Generic Included ₦20,000 Allowance ₦150,000 Covered
Reliance Health Blue Tier ₦85,000 / yr ₦400,000 ₦2,500,000 Full Prescription Coverage ₦35,000 Allowance ₦250,000 Covered
Leadway Health Primary Plan ₦55,000 / yr ₦200,000 ₦800,000 90% Covered Basic Cleaning Included Excluded
Anchor HMO Bronze Health ₦50,000 / yr ₦180,000 ₦750,000 Generic & Brand Drugs Routine Optical Checkup Standard Care

1,500+ Accredited Hospital Network Directory

Access top medical clinics, diagnostic centers, and specialist hospitals nationwide in Lagos, Abuja, Port Harcourt, Ibadan, Enugu, Kano, and 36 states.

  • Lagos: St. Nicholas Hospital, Reddington Hospital, First Cardiology, Evercare Hospital, Lagoon Hospitals.
  • Abuja: Nisa Premier Hospital, Nizamiye Hospital, Turkish Hospital, Limi Hospital.
  • Port Harcourt & Regional: Shell Clinic Partners, Paragon Hospital, University Teaching Hospital affiliates.

Squad Pooling (Group Discounts up to 25%)

Independent workers and freelancers can pool together into groups of 5+ members. By bundling policy enrollments together, Guidr unlocks corporate group-rate discounts ranging from 15% to 25% off standard retail premiums.

Frequently Asked Questions

Is Guidr an HMO or insurance provider?

No. Guidr is a benefits technology platform that aggregates licensed Nigerian HMO underwriters into a single, easy-to-use interface.

Can freelancers get health insurance without a company HR?

Yes. Guidr is purpose-built for freelancers, remote engineers, designers, consultants, and solopreneurs.

How do hospital check-ins work?

Upon enrollment, you receive a Digital Member Pass. Show your digital pass at any accredited hospital for zero-paperwork admission.