Frequently Asked Questions

Making Health Insurance easy and affordable for everyone.

Getting started

How do I buy RelianceHMO Health Insurance?

Get started by clicking here. The process takes 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 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 our other contact details


Telephone: 070073542623

Whatsapp: 07035369587

Facebook Messenger: @reliancehmo

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

Click here to log in to your account. Click on the “Add enrollee” button at the top of the dashboard. Fill in the relevant information for each person required by the form, submit and you are done.

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.

Accessing care

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, reach out to us immediately.

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

Can I visit any hospital when I travel to other states?

Yes. You are allowed to visit all hospitals in the RelianceHMO network that are available on your insurance plan. You can check the list of RelianceHMO network hospitals and clinics near you in the Reliance Care App or on the website. A Reliance Help Centre agent can also help you find a hospital nearby if you reach out to us.

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 through our contact details at the bottom of this page. 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 or by downloading the Reliance Care app on Google Playstore Google Playstore or App Store

How does Chat with a Doctor work?

Whenever you need to speak to a doctor for a simple ailment, open the Reliance Care App or the website

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.

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 0700 7354 2623.

What happens if I don't renew my plan?

Ideally, when you don't renew your plan after 7 days of expiry you lose all graduated benefits and will need to start again from month 1 when you renew the plan.

The 7 days grace period starts from the date your plan expires. If you renew your plan within this 7-day grace period, you get to retain your benefits.

What is your refund process?

Refunds for plans purchased are processed within the first three (3) days. An application for a refund must be submitted within the first three (3) days limit to qualify for a refund.

Plans that have been utilized are not eligible for refunds. This includes telemedicine consultations.

To request a refund, kindly email us at or call us on 0700 7354 2623 or chat with us on WhatsApp: 017001580

What are the conditions for approving care?

For enrollees to be approved for care, the following requirements must be met:

1. The benefit(s) must be accessible on the respective plan.

2. A working diagnosis issued by a medical practitioner from a provider under Reliance HMO’s coverage.


Do you have a plan for pregnant women?

We can customize plans to offer pregnancy coverage for corporate solutions, however, it is not offered as standard. Companies must have a minimum of 10 employees to qualify for pregnancy care under family plans; individual plans will not qualify for pregnancy care.

Please reach out to us for further enquiries via

Email:, Telephone: 0700 7354 2623, WhatsApp: 017001580


What health benefits do I have access to?

Your health benefits include general and specialists consultations, secondary care (eye and dental care), emergency services, surgeries and lots more. We offer graduated benefits, so the longer you stay on a plan, the more benefits you can access. The availability and limits of your health benefits are determined by the health plan you subscribed for.

You can click here to view the list of health benefits on our health insurance plans.

What are graduated health benefits?

Not all benefits are available from day one. The longer you stay on your insurance, the more benefits you can access. Every quarter, you unlock a new set of benefits. You can find out when you are eligible for what benefits in your app or by going through our list of benefits.

Please note that if you unsubscribe from your plan you may lose the graduated benefits that you had previously acquired.

Do I get access to secondary care?

Absolutely! After consistent payments, your graduated benefits will grant you access to secondary benefits including eye care, dental care and gym and spa visits, depending on your plan.

Pre-existing conditions

What are pre-existing and chronic conditions?

Pre-existing conditions (PEC) are SERIOUS illnesses that have existed AT ANY TIME BEFORE the start of your insurance plan. Treatment or advice may have been received for such conditions in the past. Covers for PEC and chronic conditions like hypertension, diabetes, peptic ulcer and arthritis are purchased in addition to any of our health insurance plans. This benefit is not just for older parents, it also covers younger people who have the pre-existing conditions listed above.

You can click here for a full list of all the items covered under the Pre-existing Conditions Extra Benefit.

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

We do not cover pre-existing conditions on our regular Red Beryl or Alexandrite plans. However, if you purchase a Pre-existing Conditions (PEC) plan, we will cover CERTAIN pre-existing conditions such as Hypertension, Diabetes, Peptic Ulcer, and Arthritis. You only need one PEC plan even if you have multiple conditions.

Do you have an age limit for parents?

No, we don’t. You can buy either our Red Beryl or Alexandrite plan for your parents. However, if your parents have Pre-Existing Conditions such as Hypertension, Diabetes, Peptic Ulcer, or Arthritis, they will need to buy a PEC plan. This would cover consultations, tests, treatment and even medication for the 4 PECs we cover (click here for more details on PEC Extra Benefit). They also have access to a doctor 24 hours a day through the consult a doctor service on the app.

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 help you prevent or manage chronic health conditions and should be taken seriously. In the event that your medications are unavailable, we will make arrangements for you to have them collected from a nearby hospital.

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

No, you only have to pay for one Pre-existing Condition Extra Benefit to get covered for Hypertension, Diabetes, Peptic ulcer disease and Arthritis. That is, 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.

Additional information

What if I don't use my insurance?

It’s very simple; we have a cash back program. 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. This is only available for our retail clients.

Can I cancel my insurance at any time?

We are sorry to hear you wish to cancel your subscription with us. If you would like to cancel due to quality issues, we would like to do anything we can to resolve the issue. Please reach out to us:

Email:, Telephone: 0700 7354 2623, WhatsApp: 017001580

If you are cancelling for other reasons, please note that your coverage period will elapse once the cancellation is effected and you are more than welcome to re-join us again in the future

Contacting us

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


Telephone: 070073542623

Whatsapp: 07035369587

Facebook Messenger: @reliancehmo