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 an Reliance Help 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
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 after you fill out the enrolment form. Other health insurers might ask you to wait days before your insurance can be used, we let you use it from day one
How do I add other members of my family to my health insurance plan?
It’s very easy. Just enter the Reliance Care App or website and click on the “Add Dependents” button.
Can I cancel my insurance at any time
Yes, we allow you to cancel your insurance at any time. We will only cover you for the month you have paid and you will loose coverage starting from the next payment month. Also, you won’t get the additional benefits you’re entitled to if you don’t keep your insurance active
Can I upgrade or Change my insurance at anytime?
Yes, you can upgrade or change your chosen insurance plan when it’s time to renew every month at renewal.
Can I cancel my subscription?
Yes. Renewal reminder emails contain links to cancel your subscription. This means we will no longer be able to automatically debit your card. You will also lose your graduated benefits.
Does my Reliance HMO ID card guarantee access to care?
Absolutely! If you present the Reliance HMO 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
A Reliance Help Centre agent will resolve the issue speedily
How does Chat with a Doctor work?
It’s very simple. Whenever you need to speak to a doctor for a simple ailment, open your app or the website and click on the “Chat With Doctor” button. It will open a page where you can type your health 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 medication. So you 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. consultation, emergency service, surgery and immunization) you can access. The availability and limits of your health benefits are determined by the health plan you subscribed for. You can view the benefits each plan is eligible for under the description of each insurance plan. You can view the available insurance plans for individuals here and for families here
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. For example, if you continue paying your premium every month for 9 months, you can now use your insurance for Antenatal and Delivery. 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
View comprehensive plan benefits
Note that with graduated benefits, if you stop making payments and your insurance expires, you will loose all the graduated benefit progress you have gained 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 Appendicectomy surgeries 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 loose all the graduated benefits you have gained from the previous time you paid for your plan and will have to start accumulating your benefits all over again
What types of health care providers can I visit?
You can access care only from health-care providers in 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.
- Click to see Individual Red Beryl List of Hospitals
- Click to see Individual Alexandrite List of Hospitals
- Click to see Family Red Beryl List of Hospitals
- Click to see Family Alexandrite List of Hospitals
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
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
How do I get treatment?
Very easy, 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 Help Centre agent will resolve the issue immediately when you reach out to us via
Are pre-existing conditions covered on my insurance plan?
Unfortunately, we don’t cover pre-existing 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, infertility, amenorrhea, sickle cell anaemia, asthma, etc. 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.
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 had 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 Help Centre agent who will be happy to give you full information. You can reach us via
Are chronic conditions covered on my insurance plan?
Yes, but only after been on an insurance plan for at least two (2) years.
Chronic conditions are diseases that persist for more than three (3) months, that you receive treatment for a long time for or that need ongoing checkup, consultation, tests or treatment. Chronic diseases cannot be prevented by vaccines or completely taken away (cured) with medication.
Examples of chronic diseases include arthritis, cardiovascular diseases (heart attack and stroke), cancer, diabetes, epilepsy and seizures, obesity, asthma, hepatitis and HIV/AIDS.
For example, if you purchased a plan today and six months later developed a stroke, we would unfortunately not cover treatment related to that because stroke is a chronic condition and it occurred less than two years of being on the insurance plan. However, if you have been on our insurance plan consistently for two years and in the third year developed a stroke, we would cover the treatment related to the stroke since the chronic condition occurred after you have been on the plan for longer than two years.
Please note that the examples of chronic conditions given above is not exhaustive, please feel free to contact a Reliance Help Centre agent who will be happy to give you full information. You can reach us via
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
If I’m traveling, can I visit any hospital?
Yes. Wherever you go nationwide you can visit any hospitals 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
Am I covered for dental treatment?
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.
How does the cashback work?
It’s very simple. If you stay on an insurance plan continuously for 12 months AND you DO NOT use the insurance plan, we will automatically credit your account with 20% of all you have paid. No stories, it’s very straightforward.
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 Help Centre agent is available 24 hours a day to answer you. You can easily reach out to us via