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The NHIA is accepted, alongside a wide network of private HMOs.
↗HMOs, costs & payment
Clear costs. No surprises.
Whether you are covered by an HMO, the NHIA (formerly NHIS), a corporate scheme, or paying for yourself, our team explains what things cost in plain language — and for planned procedures, you get it in writing before you decide.
Written estimates for planned careNHIA & HMO liaisonMultiple ways to pay
HMOs & insurance
Covered by an HMO or the NHIA?
We work with leading Nigerian HMOs and the NHIA (formerly NHIS) — confirm your plan in one call.
As part of a group that serves more than 100 corporate establishments, charities, schools, HMOs, insurers and federal parastatals, our team is well placed to liaise with your payer on your behalf.
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Call or WhatsApp us with your HMO name and plan — we confirm what’s covered before your visit.
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Part of a group that supports employers, HMOs and insurers with dependable specialist access.
↗Self-pay & written estimates
How cost estimates work.
If you are paying for yourself, or a treatment falls outside your cover, here is exactly what happens.
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Request
Ask your clinician or our front desk for a cost estimate for the procedure being considered.
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Written estimate
You receive the estimate in writing, so you can review it at your own pace.
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Decide
You choose whether, and when, to go ahead — with no pressure to decide on the spot.
→For planned procedures you receive a written estimate before you decide — always.
This applies whether you are self-pay, working with an HMO, or covered by a corporate scheme. Payment can be made by cash, transfer or card.
Corporate, HMO & retainer arrangements
Represent an organisation?
Employers, HMOs, insurers and other organisations exploring a structured or retainer arrangement can find dedicated partnership information here.
See Corporate, HMO & Hospital PartnershipsStill have a cost question?
Talk to our team before you decide.
Call or WhatsApp us with your HMO, procedure or payment question — we will point you in the right direction.
Questions people ask
Good questions deserve clear answers.
If you don’t see your question here, our team is a call or WhatsApp message away.
Ask the Cardiocare team01Which HMOs and insurers do you accept?＋
We work with leading Nigerian HMOs and the NHIA — confirm your plan in one call before your visit.
02Do I have to agree to a cost before I know it?＋
No. For planned procedures you receive a written estimate before you decide — always.
03How can I pay?＋
By cash, transfer or card — our front desk can confirm what is convenient on the day.
04What if I have a cost question during an emergency?＋
Emergencies are treated immediately. Cost and paperwork are handled afterwards, never before urgent care.
Patients & families
Referring doctors
Booking from abroad?
HMOs & employers