Healthcare Benefits for the Self-Employed

Guidr is not an insurance underwriter. We aggregate licensed Health Maintenance Organizations (HMOs) into a unified, transparent distribution and benefits management platform. We negotiate corporate group-rate discounts for independent workers through Squad Pooling.

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.