Life insurance
Cover for employees, borrowers and individuals, with savings-linked options and annuities.
View life products →Our solutions
Health insurance for teams and families.
Local healthcare options for employees and families, alongside international medical cover for expatriates.
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Corporate HMO
Local HMO cover for employees and dependants. HAT compares providers, supports programme design and monitors service.
Typically includes
- Local HMO cover for employees and their dependants
- Independent comparison of providers and plans
- Programme design and ongoing service monitoring
Ideal for
Employers who want a managed health benefit for their workforce.
How HAT helps
We compare providers and plans independently, support programme design and monitor service so the cover works for the people using it.
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Planned Get a quote
Private HMO
Individual and family HMO products planned for digital distribution channels, supported by personal advice.
Planned digital route: Digital distribution channels (planned)
Typically includes
- Individual and family health plans
- Planned for digital distribution
- Supported by personal advice
Ideal for
Individuals and families seeking their own local health plan.
How HAT helps
We compare providers and plans independently, support programme design and monitor service so the cover works for the people using it.
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Expatriate iPMI
International private medical insurance through APRIL MyHealth International, for expatriates living and working in Nigeria and their families.
Typically includes
- Access to healthcare locally and internationally, subject to the selected plan
- Medical evacuation subject to plan terms
- 24/7 support to help members access care abroad
Ideal for
Expatriates living and working in Nigeria, and their families.
How HAT helps
We compare providers and plans independently, support programme design and monitor service so the cover works for the people using it.
Healthcare, independently compared
Better health benefits start with better comparison.
For employers, HAT offers independent HMO comparison, programme design for your workforce and service monitoring through accredited providers. For expatriates and their families, international cover is available through APRIL MyHealth International.
- Independent comparison of HMOs and plans
- Programme design tailored to your workforce
- Service monitoring through accredited providers
Benefits depend on the selected plan. Eligibility, underwriting, limits and exclusions apply.
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Other classes of insurance
General insurance
Business assets, transport and specialist risks, including travel.
View general products →Coverage options
Browse every product in one place and see what suits each type of client.
Compare coverage →Ready to protect what matters most?
Tell us what you need to protect and a named HAT broker will quote the market and come back with clear terms and pricing.