Expat Health Insurance
Cigna Global Health Insurance.
Medical insurance specifically designed for expats. With Cigna, you won't have to rely on foreign public health care systems, which may not meet your needs. Cigna allows you to speak to a doctor on demand, for consultations or instant advice, wherever you are in the world. They also offer full cancer care across all levels of cover, and settle the cost of treatments directly with the provider.
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To become a freelancer in Nigeria, you'll need to apply for a business visa and for this you'll need a Nigerian sponser. You can read more about the procedure on the Visas for Nigeria page.
The cost of living in Lagos is very high. The city was 39 out of 214 in the 2012 Mercer Cost of Living Survey. Accommodation is particulary expensive.
For a full breakdown of costs you should read the Expat Arrivals Cost of Living in Nigeria page.
Good luck and let me know if you have more questions.
Shantalie
According to the Nigerian High Commission in London's website you sponsor can be a person or organisation. However, I would just call the relavent embassy in your home country to confirm this.
I am unable to find any document that states exactly the amount of money needed to apply for business visa for Nigeria - official documents just says proof of funds. So again, I think it would be best to talk to an official at the embassy for advice.
Good luck
Shantalie