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Here, we are going to be discussing about National Health Insurance Scheme (nhis) in Nigeria.
Feel free to ask the questions you want to.
NHIS covers everyone, be it public servant or private worker, entrepreneur etc. To access a plan. We have a current program called GIFSHIP, previously called (VCSHIP) which will be officially launched next month. All you do is go to any of our offices across the State and request for this plan.
NHIS covers everyone, be it public servant or private worker, entrepreneur etc. To access a plan. We have a current program called GIFSHIP, previously called (VCSHIP) which will be officially launched next month. All you do is go to any of our offices across the State and request for this plan.
Thanks for your reply. The office you mean is it the usual nhis office located in every state?
Good day Nwasom,
The Nigerian health insurance scheme is structured so everyone can have access.
However, the pilot scheme was exclusively for those in the federal service.Up until December 2019,there is a plan called the Vcship which is Voluntary Contributorship Social Health Insurance Programme. This was for every other person not captured as a federal government public servant otherwise known as “formal sector social health insurance programme (FSSHIP).
This was stopped last year and therefore left every other Nigerian at the mercy of HMO (Health Maintainance Organisations)
So, if an individual or group of persons want to be in the pool of the Nigerian health insurance as at today, the only option is to go through an accredited HMO
Yes any of our offices across the States and FCT. No registration for this program is done outside the Scheme. Not even with the HMOs. Strictly in the NHIS Offices Nation wide.
Good day Nwasom,
The Nigerian health insurance scheme is structured so everyone can have access.
However, the pilot scheme was exclusively for those in the federal service.Up until December 2019,there is a plan called the Vcship which is Voluntary Contributorship Social Health Insurance Programme. This was for every other person not captured as a federal government public servant otherwise known as “formal sector social health insurance programme (FSSHIP).
This was stopped last year and therefore left every other Nigerian at the mercy of HMO (Health Maintainance Organisations)
So, if an individual or group of persons want to be in the pool of the Nigerian health insurance as at today, the only option is to go through an accredited HMO
Thanks Yuddie for your reply. Is the HMO insurance kind of like private insurance?
NHIS covers everyone, be it public servant or private worker, entrepreneur etc. To access a plan. We have a current program called GIFSHIP, previously called (VCSHIP) which will be officially launched next month. All you do is go to any of our offices across the State and request for this plan.
Thanks. Does an entrepreneur need to show at document like account statements or CAC registration to have access to this plan?
I think you should know also, that the Nigerian Health insurance scheme is tailored in such a way that HMOs are pretty relevant. I mean, that even though these registrations are done in NHIS offices, HMOs will still be the one in the middle to make it effective. Also note that this GIfSHIP is not yet working. It’s still in the pipeline.
I guess that is why I stressed that as at today and now, every other person can only be in the pool via HMOs
Thanks Grace, absolutely no. All you need to come along for the registration is your passport and that of any of your family, depending of the category of GIFSHIP plan you are subscribing for. GIFSHIP means Group, individual, family Social Health Insurance Program.
I think you should know also, that the Nigerian Health insurance scheme is tailored in such a way that HMOs are pretty relevant. I mean, that even though these registrations are done in NHIS offices, HMOs will still be the one in the middle to make it effective. Also note that this GIfSHIP is not yet working. It’s still in the pipeline.
I guess that is why I stressed that as at today and now, every other person can only be in the pool via HMOs
Please could you explain more about HMO in relations to nhis, if its a kind of private insurance and how they those that want to take that route can register?
Yes, we call it PHIP “Private Health Insurance Plan”. HMOs are allowed to build plans/packages for target audience.
In reality, it is still being regulated by the NHIS “National Health Insurance Scheme”
Thanks Grace, absolutely no. All you need to come along for the registration is your passport and that of any of your family, depending of the category of GIFSHIP plan you are subscribing for. GIFSHIP means Group, individual, family Social Health Insurance Program.
Thanks so much.
Could you kindly explain more about the GIFSHIP ( Group, individual, family Social Health Insurance Program), how it intends to work and approximately how much it would cost.
Thanks yuddie,the HMOs still remains as the middle man, but not in the registration. The HMOs manages claim and makes payment to hospitals for the enrollee. After receiving payments in form of capitation and fee for service from NHIS on behalf of the enrollee.
HMOs are the operators of the scheme in Nigeria.
Just like nobody can walk into NCC to buy a Sim card, but it’s activities are an oversight on MTN, 9mobile Glo etc. Likewise, the NHIS oversees the activities of HMOs.
HMOs are the go between the end users and the hospitals.
They make monthly or quarterly payments of a standard amount per individual to HCF “health care facility”, they attend to claims for payment from these HCFs and generally try to make the scheme seamless in use
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