Hadiel

Hadiel is a digital health insurtech and health-sharing cooperative in Nigeria that helps individuals, households, and organizations reduce out-of-pocket medical expenses through paid health plans. You enroll online, choose a corporate, co-pay, or individual (including sachet) plan, pay digitally, and use a digital HMO card to access care at accredited hospitals and clinics in Hadiel’s provider network.

Hadiel is a paid service, and its plans are marketed as costing less than a typical taxi ride, but specific prices and plan amounts are not listed publicly. You need to start the enrollment process or contact Hadiel directly to see current pricing for each plan.

Hadiel primarily operates in Nigeria, providing access to accredited hospitals and clinics across the country. While it is positioned as closing protection gaps across Africa, its verifiable service operations are focused on Nigerian users.

You can sign up for Hadiel online by visiting its web platform, selecting a suitable health plan, submitting your personal or organizational details, and making payment through the digital enrollment flow. After registration and payment, you receive a digital HMO card that you can use at partner hospitals and clinics.

Hadiel is best suited for Nigerian employers and organizations that want to provide health coverage to their teams, as well as individuals, families, gig workers, informal sector workers, cooperative societies, churches, and other community groups seeking affordable health-sharing or micro-insurance style health plans. It is particularly designed for low to middle income users who need smaller, more accessible plan sizes.