{"id":49842,"date":"2019-08-12T02:49:00","date_gmt":"2019-08-12T02:49:00","guid":{"rendered":"https:\/\/nigerianfinder.com\/?p=49842"},"modified":"2020-07-03T05:40:33","modified_gmt":"2020-07-03T04:40:33","slug":"health-insurance-in-nigeria-all-you-need-to-know","status":"publish","type":"post","link":"https:\/\/nigerianfinder.com\/health-insurance-in-nigeria-all-you-need-to-know\/","title":{"rendered":"Health Insurance in Nigeria: All You Need to Know"},"content":{"rendered":"<p><span style=\"color: #000000;\">When the word \u2018insurance\u2019 is comes into discussion, many questions comes along with it; and that\u2019s regardless of any form of insurance that\u2019s being discussed. Although, Health care provision in Nigeria needs a serious lift, the insurance aspect of it hasn\u2019t been badly affected. If you are looking for an insurance company that will save you money visit <a href=\"https:\/\/www.utilitysavingexpert.com\" target=\"_blank\" rel=\"noopener\">Utility Saving Expert<\/a>.<\/span><\/p>\n<h2><span style=\"color: #000000;\"><strong>What is health insurance?<\/strong><\/span><\/h2>\n<p><span style=\"color: #000000;\">Basically, <a href=\"https:\/\/www.insurancequotes.com\/health\" target=\"_blank\" rel=\"noopener\">health insurance<\/a> is a way to pay for healthcare. This payment protects a subscriber from paying the full cost of medical services with <a href=\"https:\/\/www.medicaresupplementplans2020.com\/\" target=\"_blank\" rel=\"noopener\"><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Medicare supplement plans 2020&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:14851,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:16053751},&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:1518413},&quot;15&quot;:&quot;-apple-system, BlinkMacSystemFont, \\&quot;Segoe UI\\&quot;, Roboto, \\&quot;Noto Sans\\&quot;, Ubuntu, \\&quot;Droid Sans\\&quot;, \\&quot;Helvetica Neue\\&quot;, sans-serif&quot;,&quot;16&quot;:11}\">Medicare supplement plans 2020<\/span><\/a> when they are sick or injured. Just like car or home insurance, one selects a plan, pay the correlating monthly fee and the health issuer agrees to pay a portion of a subscribers medical cost. They basically negotiate the doctors and hospitals.<\/span><\/p>\n<h2><span style=\"color: #000000;\"><strong>What about health insurance in Nigeria?<\/strong><\/span><\/h2>\n<p><span style=\"color: #000000;\"><a href=\"https:\/\/www.insuranceanswersnc.com\/health-insurance\" target=\"_blank\" rel=\"noopener\">Health insurance<\/a> in Nigeria is handled by the Nigerian National Health Insurance Scheme (NHIS) which is planned to attract more resources to the health care sector and improve the access, resources, and utilization of healthcare services.<\/span><\/p>\n<h2><span style=\"color: #000000;\"><strong>What are the packages?<\/strong><\/span><\/h2>\n<p><span style=\"color: #000000;\">In Nigeria, there are two main packages which are the Health Management Organization (HMO) and the Out Of Pocket (OOP). The\u00a0 <a href=\"https:\/\/www.medisupps.com\/medicare-supplement-plans-2021\/\" target=\"_blank\" rel=\"noopener\"><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Medigap plans 2021&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:14851,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:16053751},&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:1518413},&quot;15&quot;:&quot;-apple-system, BlinkMacSystemFont, \\&quot;Segoe UI\\&quot;, Roboto, \\&quot;Noto Sans\\&quot;, Ubuntu, \\&quot;Droid Sans\\&quot;, \\&quot;Helvetica Neue\\&quot;, sans-serif&quot;,&quot;16&quot;:11}\">Medigap plans 2021<\/span><\/a> are popular and better, as it covers both the tiers of government and private sectors, since the HMOs are being liaised with by the government to provide health care services to NHIS subscribers.<\/span><\/p>\n<h2><span style=\"color: #000000;\"><strong>What are the programs?<\/strong><\/span><\/h2>\n<p><span style=\"color: #000000;\">Formal Sector Social Health Insurance Programme (for employees in the public sector and organized private sector \u2013 a company with 10 staffs and above). Formal sector covers staff, spouse and four biological children.<\/span><\/p>\n<p><span style=\"color: #000000;\">National Mobile Health Insurance Program (NMHIP)which is in partnership with Telecommunications Companies in Nigeria and gradually phasing out the Voluntary Contributors Social Health Program (VCSHIP)<\/span><\/p>\n<p><span style=\"color: #000000;\">Tertiary Social Health Insurance Programme is for students in tertiary institutions.<\/span><\/p>\n<p><span style=\"color: #000000;\">Community Based Social Insurance for people in villages, markets, etc.<\/span><\/p>\n<h2><span style=\"color: #000000;\"><strong>What are the benefits?<\/strong><\/span><\/h2>\n<p><span style=\"color: #000000;\">Some of the benefits of subscribing to the NHIS include:<\/span><\/p>\n<ul>\n<li><span style=\"color: #000000;\">Hospital care in a standard ward for a stay limited to cumulative of 21 days per year.<\/span><\/li>\n<li><span style=\"color: #000000;\">Maternity care for up to four (4) live births for every insured contributor<\/span><\/li>\n<li><span style=\"color: #000000;\">Consultation with specialists such as physicians, paediatrics, gynaecologists, surgeons, physiotherapists, etc.<\/span><\/li>\n<li><span style=\"color: #000000;\">Preventive care immunization as it applies in the National Immunization Programme.<\/span><\/li>\n<li><span style=\"color: #000000;\">Health education, family planning (counselling), antenatal and post natal care.<\/span><\/li>\n<li><span style=\"color: #000000;\">Out-patient care, including necessary consumables (Drugs, Injections, drips), and so on.<\/span><\/li>\n<\/ul>\n<h2><span style=\"color: #000000;\"><strong>How much does it cost?<\/strong><\/span><\/h2>\n<p><span style=\"color: #000000;\">The cost for enrolling for the NHIS varies from programme to programme. The government organization bears the lump sum for the registration of Formal Sector Health Insurance Programme and your personal input depends on the Health Service Provider. Registration of your dependants (Children and Parents) usually cost around N9,000 per head.<\/span><\/p>\n<p><span style=\"color: #000000;\">VCSHIP costs a registration fee of N15,000 and a N10,000 per head fee. NMHIP costs N12,000 and N9,000 per head.<\/span><\/p>\n<p><span style=\"color: #000000;\">All fees would be renewed annually.<\/span><\/p>\n<h2><span style=\"color: #000000;\"><strong>How does one enroll?<\/strong><\/span><\/h2>\n<p><span style=\"color: #000000;\">To enrol for the Formal Sector Health Insurance Programme, one just needs to make enquiries of the HMO the firm uses and go register to get the enrolee card.<\/span><\/p>\n<p><span style=\"color: #000000;\">For the NMHIP, one has to contact NHIS in any of their branches which can be found online. Although one needs to visit them physically during the registration process, and after, to get ones\u2019 card.<\/span><\/p>\n<h2><span style=\"color: #000000;\"><strong>Issues<\/strong><\/span><\/h2>\n<p><span style=\"color: #000000;\">Of course in Nigeria, HMOs staffs are not well trained and they tend to see people who have chosen to insure their health as lower to those who didn\u2019t chose to. Since they pay lower and enjoy insurance benefits. Hence, they tend to attend to them in a different manner compared to others.<\/span><\/p>\n<h2><span style=\"color: #000000;\"><strong>Conclusion<\/strong><\/span><\/h2>\n<p><span style=\"color: #000000;\">The government should invest more in the health sector and give out loans to partnering HMOs so that their Health Services can be up to standard.<\/span><\/p>\n<p><span style=\"color: #000000;\">Also they should take time out to enlighten the staffs on the real line behind deciding to opt for health insurance and deciding not to as most people who have opted for it are even more enlightened and most times richer than those that didn\u2019t.<\/span><\/p>\n<p><span style=\"color: #000000;\">Note: Private Health Insurance companies like AGA, HYGEIA and so on are still regulated under the NHIS.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When the word \u2018insurance\u2019 is comes into discussion, many questions comes along with it; and that\u2019s regardless of any form &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Health Insurance in Nigeria: All You Need to Know\" class=\"read-more button\" href=\"https:\/\/nigerianfinder.com\/health-insurance-in-nigeria-all-you-need-to-know\/#more-49842\" aria-label=\"More on Health Insurance in Nigeria: All You Need to Know\">Read more<\/a><\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4,1],"tags":[1842,1841,1844,41,1843],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"","jetpack_shortlink":"https:\/\/wp.me\/p6w1sx-cXU","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/nigerianfinder.com\/wp-json\/wp\/v2\/posts\/49842"}],"collection":[{"href":"https:\/\/nigerianfinder.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nigerianfinder.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nigerianfinder.com\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/nigerianfinder.com\/wp-json\/wp\/v2\/comments?post=49842"}],"version-history":[{"count":10,"href":"https:\/\/nigerianfinder.com\/wp-json\/wp\/v2\/posts\/49842\/revisions"}],"predecessor-version":[{"id":290496,"href":"https:\/\/nigerianfinder.com\/wp-json\/wp\/v2\/posts\/49842\/revisions\/290496"}],"wp:attachment":[{"href":"https:\/\/nigerianfinder.com\/wp-json\/wp\/v2\/media?parent=49842"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nigerianfinder.com\/wp-json\/wp\/v2\/categories?post=49842"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nigerianfinder.com\/wp-json\/wp\/v2\/tags?post=49842"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}