What if the reason a good employee leaves your company has less to do with their salary and more to do with what their salary doesn’t come with?
For many employees, benefits like health insurance can shape how they view an employer, especially when they have to choose between two similar job offers. A competitor offering health cover could easily become the deciding factor, and the cost of replacing a valuable employee can be far higher than the cost of providing that benefit in the first place.
With the FlexiCare Plus employee health insurance plan, you can provide your team with meaningful health cover for a fixed ₦50,000 per employee per year. Designed for growing Nigerian businesses, the plan covers inpatient care, outpatient treatment, pharmacy, emergency care, and more, giving you a practical employee benefit without the complexity or unpredictable costs that can make health insurance feel like a “someday” project.
What Is FlexiCare Plus by MyCoverGenius?
FlexiCare Plus is a health insurance plan from MyCoverGenius, developed in partnership with top HMO providers including Bastion, Hygeia and AXA Mansard. It is a group health insurance plan that Nigerian businesses can use to provide health cover for their employees under one company arrangement.
FlexiCare Plus costs ₦ 50,000 per employee annually, and it covers inpatient and outpatient care, pharmacy, surgery, maternity, accident and emergency care, and unlimited 24/7 telemedicine. Instead of asking your employees to arrange their own health insurance, you can provide them with access to these benefits as part of their employee package.
FlexiCare Plus is designed for growing organisations with around 20 to 200 employees, making it a practical option if you’re looking for comprehensive health cover for your team without a complicated onboarding process.
For more context, see what other employee benefits companies with 50 to 200 employees are offering in 2026.
What FlexiCare Plus covers
| Benefit | Limit |
| Inpatient care | ₦400,000 |
| Outpatient care | ₦250,000 |
| Pharmacy | ₦100,000 |
| Surgery | ₦150,000 |
| Maternity | ₦150,000 |
| Accident and emergency | ₦100,000 |
| Telemedicine | Unlimited 24/7 |
| Diagnostics and imaging (X-rays, ultrasounds) | Up to outpatient limit |
| Laboratory tests | Up to outpatient limit |
| Hospital admission (general ward) | Up to 15 days per annum |
| Eye care (optical) | ₦10,000 |
| Dental care (Primary and secondary) | ₦10,000 |
| Physiotherapy | ₦15,000 |
| Family planning | ₦7,000 |
| Child immunisation (0 to 5 years) – BCG, OPV, DPT only | Covered |
The table above highlights the key benefits, but there’s more to your cover. Call us on 08099995117 for the full benefits schedule, including the limits for dental, optical, physiotherapy, and other covered services.
What’s not covered
It’s important to know what your FlexiCare Plus plan does not cover so you can set the right expectations with your team from the start. FlexiCare Plus does not cover chronic disease management, intensive care unit (ICU) or high dependency unit (HDU) stays, dialysis, or advanced imaging such as CT scans, MRI scans, and echocardiography.
Make sure your HR team and employees are familiar with these exclusions before they need to use their cover. Knowing what’s included and what’s not helps everyone understand exactly what the plan provides.
FlexiCare Plus: Health cover that works for your business
When you look beyond the individual benefits, staff health insurance like FlexiCare Plus gives you a practical way to support your employees while making healthcare easier for them to access. From maternity and surgery to unlimited 24/7 telemedicine, nationwide hospital access, and ongoing customer support, your team gets cover that can be useful across different healthcare needs. You also have a dedicated account manager as a direct point of contact whenever you need support.
| What You Get | What It Means for Your Business |
| ₦400,000 inpatient cover | Support for significant hospital expenses |
| Unlimited 24/7 telemedicine | Convenient access to doctors when your team needs them |
| Maternity and surgery included | Broader healthcare support for your employees |
| Nationwide hospital access | Care available wherever your staff are based |
| 24/7 customer support | Help is available whenever your team needs it |
| Dedicated account manager | One point of contact who understands your business |
Getting your team covered with FlexiCare Plus
Getting FlexiCare Plus set up doesn’t require a lengthy back and forth. Call us on 08099995117, and we’ll walk you through enrolment, pricing, and how quickly your team’s cover can begin.
You can get your employees covered without having to manage the process on your own. We’ll help you understand the plan, answer your questions, and guide you through the steps needed to get your team enrolled.
Call 08099995117 to get FlexiCare Plus for your team today.
FlexiCare Plus frequently asked questions
Which insurance is best for employees?
The right employee health insurance should give your team meaningful healthcare coverage while being practical for you to manage. FlexiCare Plus includes inpatient and outpatient care, pharmacy, maternity, surgery, accident and emergency care, unlimited 24/7 telemedicine, and access to a nationwide hospital network.
How much does health insurance cost in Nigeria?
The cost depends on the provider, level of cover, and number of employees being covered. FlexiCare Plus costs ₦50,000 per employee per year and includes inpatient, outpatient, maternity, surgery, pharmacy, accident and emergency care, and unlimited 24/7 telemedicine.
Is HMO compulsory for employers in Nigeria?
Yes. Under the NHIA Act 2022, employers with five or more employees are required to provide health insurance coverage for their employees. This applies to both public and private sector employers.
Is health insurance for employees compulsory in Nigeria?
Yes. The NHIA Act 2022 requires employers with five or more employees to provide health insurance coverage for their employees. This is separate from the group life assurance that employers are also required to provide under NIIRA 2025.
What are the implications of an employee not having health insurance in Nigeria?
Without health insurance, employees may have to pay medical expenses themselves, which can make them more likely to delay seeking care or face unexpected financial pressure when they need treatment. For employers, providing health cover can give employees easier access to care as part of their overall benefits package.
What’s the difference between FlexiCare Plus and other employee health insurance plans in Nigeria?
FlexiCare Plus combines inpatient and outpatient coverage with maternity, surgery, pharmacy, accident and emergency care, unlimited 24/7 telemedicine, nationwide hospital access, 24/7 customer support, and a dedicated account manager.
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