There are many ways to identify which HMO qualifies as the best in Nigeria. They are like (some) insurance companies, who take your money when you are healthy, but turn their backs on you partially or completely, when you need them the most.

I don't work for anyone of them, but let me dash you my 2cents as a provider.

Only Hygeia and ... Axamansard are undisputedly the best

Phillips, may be Novo, THT, Avon can be managed somehow(if you have option choose wisely)

ReliaSomething, Lifekinikan, Wellmet ati some other funny mama and pickin HMO..... (are worse than Yahoo) Run.

Don't be fooled by their yengenyengen advert online and car branding, it's your money for quality healthcare in action and nothing more

May God be with you