National Health Insurance Scheme in Nigeria

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Click “Get Quotes” above to View Listings of Top HMOs anywhere in Nigeria

Step 2

Choose to receive instant health insurance quotes from 3 or more providers

Step 3

Compare rate quotes received, study health coverage details and make a decision

Step 4

Transact with any HMO of your choice, get the health cover you require & save!

Why Health Insurance?

Acquiring a health insurance plan can help you save a lot on total medical/healthcare costs. What does the term ‘health insurance’ mean? Health insurance is a contract between an individual, private firm, government agency or a non-profit organization and an insurance company created to cover the risks associated with medical expenses by the insured.

The company or firm buys a health plan or insurance policy in co-ordination with an insurance firm and they end up paying premiums which covers most or all medical expenses whenever the need arises.

A family with health insurance plan

Some Top HMOs in Nigeria

The National Health Insurance Scheme (NHIS) in Nigeria released a comprehensive list of newly re-accredited Health Management Organisations (HMOs) in the country. eHealthInsurance platform listings proudly presents some of these Health Partners for, and at your convenience!

How Does Health Insurance Work?

Most of the people around the world get their health insurance via their employers paying premiums for them either whole or partly. Some of the common terms that a person should be familiar with before obtaining a health insurance plan are as follows:

Premium – this is the amount the insured or policy holder pays to the insurance firm for coverage of their health plan. The premiums to be paid vary drastically from person to person according to the cost of the plan opted for, how likely the policy holders will need those services, age of the insured, the geographical location of the policy holders, size of the family and whether the insured is on drugs like tobacco or not. These factors are considered before the premium to be paid is set by the health insurance company.

Co-insurance – this implies that after the deductibles have been cleared, both you and your insurance firm have to share the costs of the covered medical services. For instance, the plan might have 80/20 coinsurance which would mean that the plan pays up to 80% while you pay the remaining 20%.

Co-payment – some health care plans require the insured to pay for some services before they pay for the services incurred. For example; an insurance firm may require the insured to pay N8000 for a doctors’ visit or for emergency services before it pays for other services. This payment is made only for a few specified services that the insured incurs.

Health insurance should be embraced by many as it helps to cover for unexpected and high medical costs.

A family who signed for Health Insurance

Benefits – when taking a premium, the plan stipulates to cover certain medical expenses which are referred to as benefits. These might include: doctors’ visits, hospital charges, laboratory tests and medicine prescriptions.

A family who signed for Health Insurance

Deductibles – this is the total amount the insured must pay before the insurance pays its own share. After paying the deductible, this means that the plan will start to cover its part of the health care costs.

A doctor and a patient with health insurance

Out-of-pocket maximum – this is the total amount an insured can pay in a year. After reaching this limit (out-of-pocket maximum), the insurance caters to the rest of the medical expenses that year.

A family with health insurance plan

Claim – a claim in simple terms is the formal request of payment based on the terms of an insurance plan. For every medical service you get, the hospital that provides you with those services files a claim with your insurance firm for payment.

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More about National Health Insurance

What is National Health Insurance Plan?

The national health insurance scheme (NHIS) is a government-run health insurance plan. The levy is collected under the Value Added Tax, or VAT, and is paid by subscribers for their ID cards. It complements the existing system by offering a broad pool of insurance policies for the entire population. The cost of a single medical visit is generally high, especially during pregnancy and childbirth when a woman’s earning capacity is at its peak.

History of National Health Insurance Plan

The NHIS was officially launched in 2000 and has already started operating in the country. It has a high prevalence in Nigeria. The scheme covers approximately four percent of the population. It is an excellent option for addressing the health care challenges of the nation. In fact, the NHIS provides comprehensive healthcare coverage to millions of people. There are nine states in Nigeria that have shown interest in the national health insurance scheme. While the scheme is still underdeveloped, it covers only a small fraction of the country’s population.

Research about NHIS

According to a survey, Nigeria has the highest proportion of unemployed citizens without any form of health insurance, at just over 40%. However, it is important to note that while the NHIS is useful for the unemployed, most of them do not use the service because of a lack of affordability. While the presence of NHIS has made health insurance more affordable, the scheme is not adequate for the unemployed population. While the NHIS has largely made health care more accessible, a significant portion of the unemployed population does not enjoy any form of health coverage.

Several HMOs were set up to compete with the NHIS for members. The first set of HMOs was viewed as less costly and administratively intensive than retainer ships, which were the primary competitors of HCPs owned by wealthy multinational companies. Although these HMOs were successful in their initial stages, the initial NHIS proposals were not well-received by the public sector. As a result, the NCH mandated the FMOH to revise its proposal to ensure that private actors are included in the development of the NHIS.

The NHIS was initially implemented as a state-run health insurance plan in Nigeria. But the NHIS governing council did not have the necessary expertise to design and implement a national health insurance scheme. The governing council was largely made up of politicians with no knowledge of insurance. But the NHIS has been a success, despite a lack of good governance and a low cost. But the implementation was not flawless.

In an effort to make health care more affordable for all, the national government has passed the national health insurance scheme (NHIS). The new system will make health care more affordable for more people by allowing them to receive services in the private and public sectors. But, before this legislation can be implemented, there are a few problems that will arise. Before the NHIS was approved, the government had to pass the bill requiring all employers to offer health insurance to their employees.

Government Sponsorship Progam

First, the NHIS is a government-sponsored program that pays out low-income workers for their medical care. Its objective is to make health care more accessible to lower-income residents. However, the NHIS has some serious flaws. Among them, many individuals do not have access to healthcare because of the high costs. Another issue is that many individuals who are uninsured have a limited income.

It is essential to understand the scheme. It will be useful to learn about the benefits of the scheme. The NHIS will provide a number of other benefits, including financial support, technical assistance, and a number of capacity-development areas. Unlike traditional health insurance schemes, the NHIS will be open to individuals from any state. In addition, it is voluntary, which is a great perk. If you’re not convinced, read the national health insurance survey and consider enrolling.

Despite the problems associated with the scheme, most respondents rated it as satisfactory. Furthermore, it has improved access to health care. The national health insurance scheme is a valuable tool for the federal government to increase access to healthcare. Increasing awareness of the NHIS will help the government develop a more efficient policy. The NHIS is not a panacea for all health care problems. If it does, it will improve the quality of care in the country.

Benefits of NHIS

The national health insurance scheme provides a range of benefits to the people of Nigeria. The NHIS is a vitally important part of the health care system. Without it, the country will face financial hardship. If the government does not implement the national health insurance scheme, people will not receive the benefits they need. Moreover, the scheme can cause a lot of problems for the country’s economy. The NHIS will help the government to cut down its expenses.

It is important to note that this national health insurance scheme is not available in every country. The NHIS has a high awareness level in the country. It is also very high in the country’s media. The media also played a key role in this study. Its primary role is to keep the NHIS central in the minds of the people. And it is important to pay attention to this fact to ensure the success of the NHIS.

The national health insurance scheme has made it mandatory for all citizens. The NHIS has been an effective tool for ensuring equitable health coverage for all citizens. But it isn’t mandatory in every state, and it does not cover all healthcare services. It is not the only advantage of this national health insurance scheme. The government has made it difficult for those without coverage. But it has not been successful for all countries. A few countries are now implementing the national health insurance scheme.

Currently, a national health insurance scheme is the most widespread form of health insurance in the world. The government is trying to create a health insurance scheme that covers all citizens of the nation. This is why it is important to assess the national health insurance scheme and ensure that all members are protected. If a national health insurance scheme isn’t a good choice, it may not be the best option. It may be a great way to improve the lives of many people in a country.