Plans
Group HMO plans your team will actually use
What a company HMO plan covers
Every plan is different. These are the areas to compare — Yousure lines them up side by side so you can see the limits in each.
Primary care
Consultations, common tests and basic drugs at your staff's chosen primary hospital.
Specialist care
Referrals to specialists, scans and investigations, approved by the HMO.
Admissions and surgery
Admission, surgery and anaesthesia, up to the plan's limits.
Maternity
Antenatal care and delivery on plans that include it — check the limits and waiting periods.
Dental and optical
Check-ups, treatment and glasses or lenses, often with a yearly limit.
Chronic conditions
Ongoing care for conditions such as hypertension and diabetes, on plans that cover them.
Mental health
Behavioural and mental health support on plans that include it.
Gym and wellness
Extras some plans add on. Nice to have, rarely essential.
New to HMOs? Read our plain guide for HR leads and CEOs
Plans for every team size
Whether you cover nine people or two hundred, the job is the same: pick a plan you can defend.
Small businesses
Priced for your exact headcount, with a plan you can explain to the team in a single message.
Mid-sized businesses
Compare at your real headcount, see the cost of covering dependants, and send the shortlist to leadership.
Large businesses
Side-by-side comparisons at your real headcount, one-page summaries for the board, and an advisor for renewal negotiations.
Dependants
Employees only, or their families too?
Covering spouses and children is usually the biggest single driver of cost. Some companies start with employees only and add families at the next renewal, once the budget is proven.
Whichever you choose, Yousure shows the price for your exact headcount so you can see the difference before you decide.
Should you cover families?What affects the price
Four things explain most of the difference between two plans' premiums.
Headcount
HMOs price groups by size. Smaller teams are usually priced as SME and larger ones as Corporate, and each HMO sets its own cut-off.
Dependants
Individual plans cover the employee; Family plans also cover a spouse and children. This is usually the biggest driver of cost.
Benefits and limits
Higher annual limits, a wider hospital list and extras such as dental and maternity all raise the premium.
Billing cycle
See prices annually or every six months. The total for the year is what matters for your budget.
More detail: understanding plan versions · when no plan fits your budget
Questions about plans
What teams ask us most before they compare.
Still have a question?
Email compare@yousure.ng, call 0707 924 6899, or talk to an advisortalk to an advisor.
Can a small team get a group plan?
Yes. You do not need hundreds of staff. Tell us your exact headcount and we show the plans available for a team your size.
Why does the same plan appear more than once?
HMOs sell a plan in several versions, such as Individual or Family and SME or Corporate. Every plan on Yousure is labelled so you can compare like with like.
Which HMOs can I compare?
Plans from several Nigerian HMOs, and the list keeps growing. Start a comparison to see every plan that fits your team.
What if nothing fits my budget?
We show you the closest plans and how far they are from your budget, so you can adjust or talk to an advisor.
See the plans that fit your team
Tell us your headcount, budget and the benefits that matter. We show every matching plan with its true annual cost.