SUNU Health Nigeria

What SUNU Health Nigeria does

SUNU Health Nigeria Limited is a Lagos-based Health Maintenance Organisation (HMO) licensed under the National Health Insurance Authority (NHIA), operating as part of the broader SUNU Group. It administers a portfolio of five health insurance plan lines: Corporate Plan (group health benefits for enterprises), Retail Plan (individual, couple, and family coverage), Tertiary Institution Social Health Insurance Programme (TISHIP) for university and polytechnic students and staff, Community Health Programme via Third-Party Administration (TPA), and the Group, Individual, Family Social Health Insurance Programme (GIFSHIP). Its core technology stack comprises a mobile application (mhsmobile on Google Play Store), an enrollee self-service web portal, a telemedicine platform for remote consultations, and a 24-hour contact centre for enquiries and claims assistance, supported by an extensive provider network covering all Nigerian states.

The business model is a subscription-recurring HMO model: SUNU Health collects premiums and capitation payments from corporate clients, individuals, families, and NHIA-administered government programmes (TISHIP, GIFSHIP), and earns fee-for-service administration revenue on community health schemes. Pricing is quote-based and varies by plan type, coverage level, and group size, billed annually for corporate and retail plans. Go-to-market combines direct corporate sales for enterprise accounts, self-service digital channels (website and mobile app) for retail and SME customers, and an affiliate "Business Lead Aggregator" program sourcing leads across Retail, SME, Corporate, and Community channels.

The company's named enterprise and government accounts span manufacturing (Dangote Cement, Cadbury, Flour Mills, Michelin Tyres, Unilever Nigeria), banking (FCMB, Keystone Bank), oil and gas (Intels, Axles and Cartage), energy (Enugu Electricity Distribution Company), federal agencies (NAMA, NPC, NOA, SON, NTA, FRCN, NAN), and other sectors. Recent operating activity includes a Providers' Forum backing NHIA initiatives (June 2026), recruitment for sales and finance leadership roles (April 2026, November 2025), and the "Most Customer-Focused Health Insurance Company of the Year 2025" award. Headcount is 65 employees; no revenue, funding rounds, or ownership/parent-company financial details are publicly disclosed beyond the apparent affiliation with the SUNU Group.

Name

SUNU Health Nigeria

Legal name

SUNU Health Nigeria Limited

Website

https://sunuhealthnigeria.com

Company type

Private

Operating status

Operating

Headcount range

51–100 employees

Short description

SUNU Health Nigeria Limited is a Lagos-based NHIA-licensed Health Maintenance Organisation that administers corporate, retail, tertiary-institution (TISHIP), community, and GIFSHIP health insurance plans for enterprises, individuals, families, students, and government agencies across all Nigerian states, supported by a nationwide provider network, telemedicine, a mobile app, and a 24-hour contact centre.

Ownership category

akta.pro rank

Product category

Health Insurance (HMO)

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114), Health and Welfare Funds (525120)

SIC

Hospital & Medical Service Plans (6324), Accident & Health Insurance (6321)

akta.pro primary industry

Network-Model HMOs (HLAEAMAC)

akta.pro secondary industries

Group HMO Plans (FSAIAFAK), Health Systems Strengthening & Universal Health Coverage (UHC) Partnerships (HLAJAOAL)

Keywords

• Health insurance plans
• Managed healthcare services
• Health maintenance organization
• Corporate health benefits
• Telemedicine consultations

Headquarters

HQ city

Lagos

HQ country

Nigeria

HQ region

Africa

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Health Insurance Premiums: SUNU Health generates revenue through premium payments from corporate clients, individuals, families, and government programs. As an HMO, they collect premiums and manage healthcare delivery through their provider network, retaining the difference between premiums collected and claims paid.
2. Capitation: Revenue from NHIA capitation payments for enrolled beneficiaries under government health insurance programs including TISHIP and GIFSHIP
3. Fee-for-Service Administration: Administrative fees for managing third-party administration services for community health programs and corporate schemes

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

SUNU Health Nigeria operates as a Health Maintenance Organisation (HMO) that sells and administers health insurance plans to corporate clients, individuals, families, tertiary institutions, and community groups across Nigeria. Its core offerings are five plan types — Corporate Plan, Retail Plan (Individual/Couple/Family), TISHIP for tertiary institutions, Community Health Programme (TPA), and GIFSHIP — supplemented by telemedicine, a 24-hour contact centre, and a mobile app. The company collects premiums and capitation payments and manages healthcare delivery through its nationwide provider network.

Product overview

SUNU Health Nigeria operates as a Health Maintenance Organisation (HMO) offering a portfolio of health insurance plans and digital health services. The core product suite includes five health insurance plan types: Corporate Plan (for businesses), Retail Plan (Individual/Family), TISHIP (tertiary institution programme), Community Health Programme TPA, and GIFSHIP (social health insurance). These plans are supported by digital services including Telemedicine, a 24-hour Contact Centre, and a Mobile App (mhsmobile) available on Google Play Store. The company provides managed healthcare services with coverage across all Nigerian states through a network of health providers.

Differentiator

Problem solved

Functional benefit

Products and services

• Corporate Plan Group health insurance plan designed for businesses to provide healthcare coverage for their employees across Nigeria, with quote-based annual subscription pricing tailored to company size, coverage requirements, and employee count.
• Retail Plan Individual and family health insurance plan covering Individual, Couple, and Family options, available to retail consumers in Nigeria with annual subscription pricing based on family size and coverage level.
• Tertiary Institution Social Health Insurance Programme (TISHIP) NHIA-mandated health insurance programme designed for students and staff of tertiary educational institutions (universities, polytechnics, and colleges) in Nigeria.
• Community Health Programme (Third Party Administration) Community-based health programme operated under third-party administration (TPA) by SUNU Health, providing expanded health coverage to community groups across Nigeria.
• Group, Individual, Family Social Health Insurance Programme (GIFSHIP) Social health insurance programme covering groups, individuals, and families under the NHIA's GIFSHIP scheme, providing formal-sector enrolment and affordable healthcare access in Nigeria.

Named customers21 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• National Health Insurance Authority (NHIA)coreStrategic or Co-development PartnerSUNU Health operates as an HMO under NHIA regulatory framework. The company actively supports NHIA initiatives and participates in government health insurance programs including TISHIP and GIFSHIP.
• Healthcare Providers NetworkcoreTechnology or IntegrationExtensive network of hospitals, clinics, and healthcare providers across all Nigerian states delivering services to SUNU Health enrollees.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Clearline HMO: Nigeria-licensed HMO offering corporate, family, and individual health plans with a national provider network. Comparable as an NHIA-regulated operator targeting similar enterprise and retail segments.
• HMO Nigeria: Nigerian HMO providing managed healthcare plans and provider-network access to corporate and retail customers. Comparable NHIA-regulated competitor in the same product categories.
• Avon HMO: Nigerian HMO offering individual, family, and corporate health plans through a national provider network. Comparable NHIA-licensed operator with similar product segmentation.
• Mediplan Healthcare: Nigerian HMO providing managed health plans to corporate and individual clients through a provider network. Comparable NHIA-licensed operator in the same product categories.
• Reliance HMO: A Nigeria-focused HMO combining health insurance with telemedicine and digital tools for individuals, SMEs, and enterprises. Comparable as a tech-enabled HMO competing in the same corporate/retail segments with a strong digital self-service stack.
• Hygeia HMO: One of the longest-standing HMOs in Nigeria offering corporate, retail, and family health plans through a nationwide provider network. Directly comparable as a licensed NHIA-affiliated HMO competing for the same enterprise and individual enrollee base.
• Total Health Trust (AXA Mansard Health): AXA Mansard's HMO subsidiary providing managed care and health insurance plans across Nigeria. Comparable as an NHIA-licensed HMO with corporate and retail plans, backed by a multinational insurance parent.
• AIICO Multishield (AIICO Insurance): Health insurance arm of one of Nigeria's largest insurance groups, providing HMO-style managed care plans to corporate and individual customers. Comparable as a national-scale HMO benefiting from an established insurance parent.

Broad incumbents

• AXA Mansard Insurance: Large Nigerian composite insurer offering life, general, and health insurance including HMO services. Comparable as a broader incumbent with overlapping managed-care offerings and greater capital resources.
• Leadway Health (Leadway Assurance): Major Nigerian insurance group offering health insurance products alongside life and general insurance. Comparable as a broad incumbent with health-insurance capabilities competing for the same corporate accounts.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/sunu-health-nigeria-limited

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SUNU Health Nigeria