Health coverage that meets you on the road and at home.
From routine care to emergency support for road traffic injuries, we protect you and your workforce with reliable HMO services recognized for innovation and efficiency.
24/7 Care Coordination
We navigate the healthcare system for you. From routine referrals to emergency response for road traffic injuries, our team coordinates every step of your care journey.
Tailored Health Plans
Whether for a federal workforce, a private SME, or a single family, our plans are customized to deliver maximum value and comprehensive medical coverage.
Swift Claims Settlement
Experience hassle-free healthcare with our fully digital system. We ensure transparent tariffs, rapid authorization, and timely payment to our providers.
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States Covered
“Every health plan we design is shaped by our Vision, Mission, and Core Values to ensure healthier lives and safer roads for all Nigerians.”
Helping lives through comprehensive and transparent healthcare solutions.
FRSC Health Maintenance Limited (FHML) is a National HMO committed to delivering accessible care. We coordinate providers, support patients through every step of their medical journey, and optimize operations for sustainable health outcomes across Nigeria.
- Nationwide Provider Network (Access care in 36 states + FCT)
- Specialized Support Programs (Dedicated care for road crash victims & retirees)
- NHIA Compliant & Accredited (Adhering to the Patient's Bill of Rights)
Have questions about your coverage or benefits? We are here to help.
Innovative Health Plans 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.
You Can Also See All Insurance Services
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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 8166139647 +234 7018007756
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.
Trusted by families and professionals across Nigeria.
The 5-Step Process
Enrolment
Member selects plan & provider.
Accessing Care
Present ID & request authorization.
Care Coordination
Referrals & admissions.
Claims & Payment
e-claims settlement.
Support
24/7 helpline &
feedback.
Our Latest Blog Posts
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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