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Innovative Insurance Solutions for Today & Tomorrow
Individual & Family Plans
From the affordable CareStart to the comprehensive Total Care, we provide flexible social health insurance options that cover maternity, surgeries, and routine needs for your loved ones.
Corporate & Team Care
Boost workforce productivity with TeamCare for SMEs and PublicCare for government agencies. We offer tailored coverage that keeps your employees healthy and your business moving.
Retiree & Special Care
We go beyond standard care with GoldenCare for retirees and RapidCare for road crash victims, ensuring dedicated support for the most vulnerable members of society.
Tertiary Institution Care
We partner with higher institutions to implement the TISHIP programme, ensuring students have access to quality medical care on campus and during holidays.
State & Agency Support
FHML offers expert Third-Party Administration (TPA) services for State Social Health Insurance Agencies and the Basic Health Care Provision Fund, ensuring efficient scheme management.
Wellness & Prevention
Prevention is better than cure. Our plans include comprehensive immunization, health education, and routine screenings to keep you healthy before illness strikes.
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States Covered
Emergency Support
NHIA Compliant
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Accredited Providers
24/7 Member Support
Need urgent care or authorization? Our dedicated support team is available 24/7 to coordinate referrals and manage emergency responses.
Do you have a any Question?
+234 800 FHML HELP
Dedicated to securing your health on every journey.
We go beyond standard HMO services. From routine check-ups to critical emergency response, our operations are built on transparency, speed, and nationwide accessibility.
Nationwide Network
Access accredited care in all 36 states and the FCT. Whether you are at home or traveling interstate, quality healthcare is always within reach.
24/7 Emergency Support
We provide round-the-clock coordination for medical referrals and specialized support for road traffic injuries and crash victims.
Digital & Transparent
Experience seamless care with our automated authorization system, e-claims processing, and fully transparent tariff structures.
FHML is a National HMO dedicated to delivering accessible, high-quality, and transparent healthcare. We coordinate care for healthier lives and safer roads across Nigeria.
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Our Services
- Individual & Family Plans
- Corporate & Team Care
- Retiree & Special Care
- Tertiary Institution Care
- State & Agency Support
- Wellness & Prevention
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