Frequently Asked Questions

Making Health Insurance easy and affordable for everyone.

How do I buy RelianceHMO Health Insurance?

You can do this by clicking here. It’s very simple and takes you less than 10 minutes. You select the type of insurance you want, pay with your ATM card, fill out a short form and you can use hospitals immediately

If you are interested in buying health insurance for your company, please visit www.reliancehmo.com/business to request a quote or call 0700 7354 2623

You can also always connect with a Reliance Care Centre agent who will be happy to help you purchase insurance. To do so either click on the chat icon on this page or reach out via

Email: hello@reliancehmo.com

Telephone: 070073542623

Whatsapp: 07035369587

Facebook Messenger: @reliancehmo

When will my health insurance start?

RelianceHMO health insurance starts instantly. As soon as you pay and fill out the enrolment form you can start using your insurance immediately. We’ll also send you a notification confirming your policy’s start date.

How do I add other people to my health insurance I just bought?

It’s very easy. Click here to login to your Account. On the dashboard click on the “Add enrollee” button at the top of the page. Fill in the relevant information for each person required by the form, submit and you are done.

Can I cancel my insurance at any time?

We’re sorry to see you go and would encourage you to continue to pay your premiums to enjoy top notch health insurance. However, if you would like to cancel your insurance, you can do so at any time and we will only cover you for the period you have paid.

In the event that you renew your subscription after cancellation, there are some things to note. Firstly, you will lose all your accumulated benefits e.g. if you are eligible for physiotherapy care because you’ve paid premiums consistently for 3 months but then cancel in the 4th month, you will no longer be eligible for physiotheraphy when you renew. You will have to continue contributing for another 3 months to earn back the eligibility for physiotherapy care. Also, when you renew your insurance, there will be a 1-week wait period before your coverage will commence for the period you paid for. Finally, if before cancellation you made use of the insurance, there will be an increase your premium at renewal.

If you would like to have further clarification on any of this, feel free to call Reliance Care Centre on 0700 7354 2623

Does my Reliance HMO ID card guarantee access to care?

Absolutely! If you present the Reliance HMO (soft) ID card on your phone at your chosen hospital, you will receive care so long as your insurance is valid and you are eligible and covered for the service you need to receive in the hospital. If you ever face any issues in the hospital, immediately reach out to us via:

Email: hello@reliancehmo.com

Telephone: 070073542623

Whatsapp: 07035369587

Facebook Messenger: @reliancehmo

A Reliance Care Centre agent will resolve the issue speedily

Why don’t you issue hard copy ID cards?

RelianceHMO soft copy ID cards allow us to offer you instant coverage and make the process of accessing care simple and convenient. Hard copy ID cards don’t allow this to happen.

How do I access the app?

You can access the RelianceHMO App on your web browser by visiting www.dashboard.reliancehmo.com or by downloading the Reliance Care app on Google Playstore at rel.hm/app

How does Chat with a Doctor work?

It’s very simple. Whenever you need to speak to a doctor for a simple ailment, open the Reliance Care App or the website dashboard.reliancehmo.com

On the website click the “Consult a Doctor” button, located at the side menu of the website or click the "Health questions" button at the bottom of the Reliance care App, It will open a page where you can type your health-related question and send it to a doctor.

Doctors are available 24 hours a day and you will get an answer from a doctor within 10 minutes. If you don’t receive an alert for your answer in 10 minutes, go back into the app and refresh the page. The doctor will ask you for more details on your condition, give you basic advice and can even give you a prescription for simple over-the-counter (OTC) medication. So you can get treatment without leaving the comfort of your home or office.

What are my health benefits?

Your health benefits include the various healthcare providers and services (eg. Medical and surgical consultations, emergency services, surgeries in graduated ranges based on months of consistent cover, and drug prescriptions) you can access. The availability and limits of your health benefits are determined by the health plan you subscribed for.

You can view health benefit details of the available insurance plans .

What are Graduated Health Benefits?

Graduated health benefits mean that we add new benefits that you are eligible for every 3 months of continuous payment for your insurance plan. This means that not all benefits are available from day one, but more get added the longer you stay on your insurance. You can find out when you are eligible for what benefits under each plan by clicking the respective insurance plan below
View comprehensive plan benefits

Note that with graduated benefits, if you stop making payments and your insurance expires, you will lose all the graduated benefits you have unlocked if you return. E.g. If you pay for your insurance consistently for 6 months and on the 7th month you were eligible to be covered for physiotheraphy but do not make payment in that 7th month. Then 2 months later you return to pay for your insurance on the same plan, you will lose all the graduated benefits you have gained from the previous time you paid for your plan and you will have to start accumulating your benefits all over again with the possibility of having to pay higher premiums if you had utilized care before you stopped making payments.

What types of health care providers can I visit?

You can access care only from health-care providers on the RelianceHMO network that are allowed on your insurance plan. We have hundreds of hospitals all over the country and this is growing, so it’s very likely the hospital you already use is in our network. You can click below to see the list of hospitals for each insurance plan and check if your preferred one is on our list.

If you don’t find your preferred hospital on the list, we’re happy to find you a great hospital near you if you reach out to us via

Email: hello@reliancehmo.com

Telephone: 070073542623

Whatsapp: 07035369587

Facebook Messenger: @reliancehmo

How do I select a Hospital?

You select your primary hospital from a list of available hospitals when you are filling out the enrolment form. It is best you choose a hospital close to your home, place of work or anywhere you deem convenient.

Can I change my hospital at any time I desire?

Yes. you can freely access care in any hospital you are eligible for based on your insurance plan. This means you can roam within the limits of the hospitals covered on your chosen plan(s). You can check the hospitals you are eligible for under each plan here.

To make enquiries and effect a change of hospital please call 0700 7354 2623

How do I get treatment?

Very easy! Simply walk into your preferred hospital, show them your ID card and they’ll cater to you. If you ever face any issues in the hospital, a Reliance Care Centre agent will resolve the issue immediately when you reach out to us via

Email: hello@reliancehmo.com

Telephone: 070073542623

Whatsapp: 07035369587

Facebook Messenger: @reliancehmo

Are pre-existing and chronic conditions covered on my insurance plan?

On a Red Beryl or Alexandrite plan, we don’t cover pre-existing conditions or chronic conditions. However, if you purchase a Pre-existing Conditions Extra Benefit, we will cover certain pre-existing and chronic conditions. (Click here to learn more and purchase a pre-existing extra benefit)

What are pre-existing and chronic conditions?

Pre-existing conditions are SERIOUS illnesses that have existed AT ANY TIME BEFORE the start of your insurance plan. Examples of pre-existing conditions include hypertension, diabetes, arthritis and peptic ulcer. This means that if you had a SERIOUS illness before you purchased the insurance plan it will be considered a pre-existing condition and treatment related to it will not be covered by the insurance plan.
Chronic diseases cannot be prevented by vaccines or completely taken away (cured) with medication.

Pre-existing conditions DON’T include simple illnesses like headache, malaria, typhoid fever, infections, etc. For example, if you had malaria last year, we don’t consider that a pre existing condition and would cover the treatment for that because malaria is not a serious condition.

However, say you you were diagnosed with diabetes two weeks before you purchased the plan, we would consider that a pre-existing condition and would not cover treatment related to it because diabetes is a serious illness and it occurred before you purchased the insurance plan.

Please note that the examples of pre-existing conditions given above is not exhaustive, so if you think you have a serious illness that may be a pre existing condition, please feel free to contact a Reliance Care Centre agent who will be happy to give you full information. You can reach us via

Email: hello@reliancehmo.com

Telephone: 070073542623

Whatsapp: 07035369587

Facebook Messenger: @reliancehmo


Do I need to call you first before I go to the hospital?

No you do not. Walk confidently into your chosen hospital, show your ID card and you will be attended to. If you ever face any issues in the hospital, immediately reach out to us via

Email: hello@reliancehmo.com

Telephone: 070073542623

Whatsapp: 07035369587

Facebook Messenger: @reliancehmo

If I'm traveling, can I visit any hospital?

Yes. Wherever you go nationwide you can visit any hospital nearby that is in the RelianceHMO network available on your insurance plan. You can check the hospital near you by viewing the list of RelianceHMO network hospitals and clinics near you in the Reliance Care App or website. A Reliance Help Centre agent can also help you find a hospital nearby when you reach out to us via

Email: hello@reliancehmo.com

Telephone: 070073542623

Whatsapp: 07035369587

Facebook Messenger: @reliancehmo

Am I covered for dental treatment?

Absolutely, after paying for 6 months uninterrupted on the plans purchased.

Do I need a referral to see a specialist?

Yes. Your Primary Care Provider will need to refer you to a specialist. We will then help you schedule the appointment and walk you through the process of seeing the specialist.

However, you need to contact the Reliance Care Centre to schedule your appointment on 070073542623

How does the cashback work?

It’s very simple. If you stay on an insurance plan continuously for 12 months AND you DID NOT use the insurance plan, we will automatically credit your account with 20% of all you have paid. No stories, it’s very straightforward.

What is a Pre-existing Conditions Extra Benefit?

The Pre-existing Conditions Extra Benefit is designed to make our health insurance plans comprehensive for people with certain pre-existing and chronic conditions. It is purchased in addition to any of our health insurance plans for people with chronic condition like hypertension. The pre-existing Conditions Extra Benefit ONLY covers Hypertension, Diabetes, Arthritis and Peptic ulcer.

This benefit is perfect not just as a wellness check for older parents, it also covers younger people who have the pre-existing conditions listed under the pre-existing condition benefit.

I have older parents, do you have health plans for them?

Absolutely we do! Our insurance plans do not have an age limit, so you can easily purchase them for your elderly parents. If your parents are relatively healthy and don’t have any pre-existing conditions you can buy them a regular Red Beryl or Alexandrite plan.

If they have any pre-existing or chronic conditions like Hypertension, Diabetes, Arthritis and Peptic ulcer we would advise you to purchase a Pre-existing Conditions Extra Benefit. This would cover consultations, tests, treatment and even medication for the 4 PECs we cover (click here for more details on Pre Existing Conditions Extra Benefit).

They also have access to a doctor 24 hours a day through the consult a doctor service on the app. We will also send an authorized personnel to your parents home every 3 months to do a general checkup, basic tests and refill their medication. It’s the perfect way to take care of your parents when you’re not around.

How does the Home Visit service work?

The home visit service is a feature that comes FREE with the Pre-existing Conditions Extra Benefit. This service involves home wellness visits by an authorized personnel. During the visit, the authorized personnel will do a physical examination, take vital signs and run basic tests like blood pressure, blood sugar, cholesterol levels, etc, give wellness tips, answer any health questions, refill medication and make sure that the enrollee is in relatively good health.

At the end of the visit, a wellness report will be sent to parties that have indicated that they wish to receive this report (based on the approval of the enrollee).

Must I use medication provided by RelianceHMO if I am on the Pre-existing Conditions Extra Benefit?

Yes, unless otherwise stated. Medication refills will be provided by our home visit team and are meant to enable you prevent or manage chronic health conditions and should be taken seriously. In the event that such medication are unavailable, we will make arrangements for you to have these collected from a nearby hospital.

What if I have more than one pre-existing condition, do I pay for more than one Pre-existing Conditions Extra Benefit?

No, you only have to pay for one Pre-existing Condition Extra Benefit to get covered for Hypertension, Diabetes, Peptic ulcer disease and Arthritis e.g. If you have Hypertension and Arthritis and require coverage for both, you only need to purchase one Pre-existing Condition Extra Benefit and you get coverage for both

Are all medications for my pre existing condition covered under the extra benefits?

Yes, all medications required to manage your pre-existing conditions are covered with the Pre-existing Conditions Extra Benefit.

What is the Pregnancy Extra Benefit?

The Pregnancy Extra Benefit is designed to allow you to have insurance coverage for the entire duration of your pregnancy and delivery. Normal insurance plans either do not cover pregnancy and delivery, or will at best need you to wait a while before you can get the coverage.

However, if you are pregnant right now or expect to be pregnant soon, you might need to purchase a Pregnancy Extra Benefit. This allows you to receive insurance coverage for antenatal care and delivery as soon as you purchase the plan.
You can click here for a full list of all the items covered under the pregnancy plan

Need more information on the Pregnancy Extra Benefits? Feel free to contact the Reliance Care Centre via

Email: hello@reliancehmo.com

Telephone: 070073542623

Whatsapp: 07035369587

Facebook Messenger: @reliancehmo

How do I pay for Pregnancy Extra Benefit?

Visit www.reliancehmo.com/select-extensions to learn more and pay for the Pregnancy Extra Benefit. Your card will be charged every month for the Pregnancy Extra Benefit for the duration of your pregnancy up till your expected delivery date. After delivery, your card will only be charged for a Red Beryl or Alexandrite plan.

Please note that you have to purchase a Red beryl or Alexandrite health plan along with the Pregnancy Extra Benefits.

For more information, feel free to contact the Reliance Care Centre via

Email: hello@reliancehmo.com

Telephone: 070073542623

Whatsapp: 07035369587

Facebook Messenger: @reliancehmo

What if I deliver before my expected delivery date?

In the event of a delivery before your expected delivery date, you can contact our care lines to discuss how to get your refunds sorted. It would not be a problem at all

Kindly notify the Reliance Care Centre in case of an early birth on 070073542623

Is my newborn baby also covered under my Pregnancy extra benefit?

No, your baby is not covered under the pregnancy extra benefit. However, you can choose to purchase a health plan for the newborn baby here.

Do you cover Caesarean Section?

The pregnancy extra benefit does not cover CS. However, if CS is recommended by your doctor, RelianceHMO pays a sum to the hospital.

The amount paid to the hospital varies from plan to plan and is often equivalent to the cost that would be paid for vaginal delivery.

Must I visit my selected hospital for my antenatal and delivery?

Yes, you can only visit the selected hospitals for antenatal care and delivery. We will be unable to provide coverage if you visit a hospital different from the selected hospital and you will have to pay out of pocket for this. If you feel you have a strong reason to change hospitals, kindly call the Reliance Care Centre on 070073542623 to make that request.

What if I deliver in another hospital from my selected hospital?

We understand that delivery can sometimes be unplanned and you might have no choice but to visit a hospital different from the one you selected. In the event of this, kindly notify the Reliance Care Centre on 070073542623 as soon as possible.If this happens, we will reimburse to you the amount of a normal delivery at your selected hospital.

If you need any further clarifications please call the Reliance Care Centre on 070073542623

What happens, if I lose my pregnancy?

At RelianceHMO, we will work as hard as we can to ensure that you get the best medical care possible during the time of your pregnancy and walk away with a bouncing baby.

However, unfortunate things do happen and we don’t want you to feel the additional loss of funds during such a difficult time. In the event of this, We will provide a refund to assuage some of the pain.

Feel free to contact the Reliance Care Centre on 070073542623 for more information.

How do I contact Reliance HMO?

If you need to speak to us about your health benefits, payment, enrolment, insurance plans or any other issue at all, a Reliance Care Centre agent is available 24 hours a day to answer you. You can easily reach out to us via

Email: hello@reliancehmo.com

Telephone: 070073542623

Whatsapp: 07035369587

Facebook Messenger: @reliancehmo