🏥 HMO Dental Cover

HMO Dental in Lagos — Accepted Plans at Exclusive Smile

Use your HMO dental benefits at Exclusive Smile Dental Clinic — Victoria Island & Ikeja. Find out which plans we accept, what's covered, and how to book.

Confirm Your HMO Book Appointment

HMO Plans We Accept

The following HMO providers are currently panelled with Exclusive Smile. Call us to confirm your specific plan type before booking.

Axa Mansard

Bupa

Allianz

Hygeia

Cigna

Leadway Assurance

Total Health Trust

Medical Services Organization

* Panel acceptance is subject to change. Always confirm with us before your visit.

What Does HMO Dental Cover?

Coverage varies by plan. The categories below reflect what most standard HMO dental plans include and exclude in Nigeria.

✅ Typically Covered

🦷
Routine check-up & examination
Typically 1–2 per year
🧼
Professional teeth cleaning (scaling)
Plaque & tartar removal
🩺
Basic X-rays
Bitewing & periapical
💊
Simple tooth extractions
Non-surgical removal
🔧
Basic fillings (amalgam/composite)
Cavity treatment
🏥
Emergency dental consultation
Assessment & pain relief

❌ Typically Not Covered

🔩
Dental implants
Classified as elective/cosmetic by most HMOs
💎
Teeth whitening
Cosmetic procedure — not covered
👑
Dental veneers & crowns (cosmetic)
Cosmetic crowns excluded; restorative crowns may have partial cover
😁
Smile makeovers
Elective cosmetic treatment
🔲
Invisalign & clear aligners
Orthodontic treatment — usually excluded or limited
✨
Cosmetic bonding
Cosmetic in nature — typically excluded

* Coverage depends on your specific HMO plan and employer agreement. Confirm with your HMO provider for exact benefits.

How to Use Your HMO at Exclusive Smile

Confirm your HMO is on our panel

Call us on 0810 816 0816 or check with your HMO provider to confirm Exclusive Smile is on your approved panel before booking.

Get pre-authorisation if required

Some HMO plans require pre-authorisation for certain treatments. Check with your HMO provider before your visit — your HR department can help.

Bring your HMO card

Bring your valid HMO card and a valid ID to your appointment. Our front desk team will process your paperwork before you see the dentist.

Attend your appointment

Our dentist will carry out your covered treatment. Any additional treatments outside your HMO cover will be quoted separately with your consent before proceeding.

HMO Dental FAQs

Does Exclusive Smile accept HMO in Lagos?

Yes. Exclusive Smile Dental Clinic accepts a range of HMO plans at our Victoria Island and Ikeja locations. We are currently panelled with Bupa, Allianz, HYGEIA HMO, Cigna, Leadway Assurance, THT (Total Health Trust Ltd.), MSO, and AXA Mansard. Call us on 0810 816 0816 to confirm your specific plan before booking.

Which HMO providers does Exclusive Smile accept?

Exclusive Smile is currently panelled with the following HMO providers: Bupa, Allianz, HYGEIA HMO, Cigna, Leadway Assurance, THT (Total Health Trust Ltd.), MSO, and AXA Mansard. Panel acceptance is subject to change — always call us on 0810 816 0816 to confirm your specific provider and plan type before your appointment.

What dental treatments are covered by HMO in Nigeria?

Most standard HMO dental plans in Nigeria cover routine check-ups, professional cleaning (scaling and polishing), basic X-rays, simple extractions, and basic fillings. The exact coverage depends on your specific plan and employer arrangement. Cosmetic treatments like implants, whitening, veneers, and Invisalign are generally not covered.

Do I need pre-authorisation to see a dentist with HMO?

This depends on your HMO provider and plan type. Some plans allow direct access to panelled dentists; others require a pre-authorisation code or referral. Check with your HMO provider or HR department before booking to avoid any unexpected out-of-pocket costs.

What if my treatment is not fully covered by my HMO?

If a treatment is partially or not covered by your HMO, our team will inform you of the cost before proceeding — nothing happens without your consent. We offer transparent pricing and flexible payment options for any top-up costs.

Can I still use Exclusive Smile if my HMO is not on your panel?

Yes. If your HMO is not currently on our panel, you can still visit Exclusive Smile as a private patient. We offer competitive self-pay pricing and flexible payment options. Contact us on 0810 816 0816 for a quote.

Does Exclusive Smile accept Cigna or Bupa dental HMO in Lagos?

Yes. Exclusive Smile is panelled with both Cigna and Bupa, as well as Allianz, HYGEIA HMO, Leadway Assurance, THT (Total Health Trust Ltd.), MSO, and AXA Mansard. Call us on 0810 816 0816 to confirm your specific plan type and coverage details.

Not sure if your HMO is accepted?

Call us and we'll confirm your coverage in minutes. Our team handles HMO paperwork — you just focus on your smile.

Call 0810 816 0816 Book Appointment