RibiBenefits vs. HMO-only

The honest answer

Your HMO is not a benefits programme.

An HMO is insurance against health events. It pays for hospitalisation, surgery, and clinical treatment. It doesn't reduce the cost of your employees' daily commute, feed them at lunch, fund their gym membership, or provide therapy. RibiBenefits fills all of that — and can be running in 2 weeks alongside whatever health insurance you already have.

We already have an HMO — why do we need this?

An HMO covers hospitalisation and clinical care. RibiBenefits covers everything else — meals, transport, mental wellness, learning, airtime, gym, family support. They're complementary, not competing. Most companies run both.

Is RibiBenefits more expensive than our HMO?

You control the spend — you set what each employee tier receives per month. Most companies start at ₦15,000–30,000 per employee and scale up. It's significantly cheaper than a second HMO plan.

Can we launch RibiBenefits without changing our HMO?

Yes — RibiBenefits doesn't touch your existing health insurance. It sits alongside it. Same employees, same HMO, extra benefits layer on top.

Will this create admin overhead for our HR team?

The opposite. One dashboard manages everything. No vendor coordination, no monthly voucher distribution, no reconciliation. HR sets it up once and it runs automatically.