What is Social Health Insurance? Social Health Insurance is a social security system that guarantees the provision of a benefit package of healthcare services paid for from funds created by pooling the contribution of participants.
- Social Health Insurance guarantees healthcare services through pooled contributions.
It is the health insurance programme for employees in the public and organized private sector.
10% of your basic salary will be paid by your employer while you will contribute 5% monthly, that is, 3.25% for employer and 1.75% for employee in a consolidated salary monthly.
Payment of 10% of basic salary or 3.25% by the employer as NHIA contribution substitutes the medical allowance.
No, however, students in tertiary institutions can be covered under the Tertiary Institutions Social Health Programme (TISHIP). They also have opportunities to register under the Group Individual and Family Social Health Insurance Programme (GIFSHIP).
Any member of the family after the prescribed six can be registered as an extra dependent.
Contributor, spouse and four biological children under the age of 18.
NHIA ensures financial access to healthcare for all Nigerians and legal residents.
HIUOR coordinates and integrates health insurance in Nigeria.
FSHIP is for public and private sector employees.
Employers pay 10%, employees pay 5% of salary.
No, but they can enroll in TISHIP or GIFSHIP.
NHIA contribution substitutes medical allowances.
Cashless treatment, comprehensive coverage.
No, only NHIA-accredited facilities.
Providers must source prescribed drugs; NHIA is branding drugs for distribution.
Lodge complaints with NHIA offices, HMOs, or NHIA call center.
Associated illnesses are covered, but NACA handles HIV/AIDS drugs.
No, there are exclusions and partial exclusions.
Yes, limited to six sessions yearly.