– National Health Insurance Scheme –
National Health Insurance Scheme (NHIS): Are you looking for NHIS jobs in Nigeria in 2022? Would you like to work at NHIS? Also, you would not mind if we guide you on how you can apply for? If yes, then continue reading.
National Health Insurance Scheme (NHIS) is an organization that provides health insurance in Nigeria.
It was established in 1999 by Act 35 of the Constitution. Its primary goal is to provide accessible healthcare to all Nigerians, notwithstanding their social status or income.
The NHIS offer two main packages which are the Health Management Organization (HMO) and the Out of Pocket (OOP). The HMO is a more popular and better plan.
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.
Benefits of NHIS
The following are some benefits of subscribing to the NHIS:
1. Hospital care in a standard ward for 21 days a year.
2. Maternity care for up to four live births for every insured contributor.
3. Preventive care immunization as it applies in the National Immunization Programme.
4. Consultation with specialists such as physicians, paediatrics, gynaecologists, surgeons, etc.
5. Health education, family planning, antenatal and postnatal care.
6. Out-patient care.
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Programmes Offered by the NHIS
NHIS offers a whole range of programmes that cater to different categories of the population. All the programmes are divided into three categories: formal sector, informal sector, and vulnerable groups.
Here explains each of them:
1. Formal Sector
The formal sector provides insurance to companies and their employees, as well as to ordinary citizens. There are three sub-categories in this sector:
a. Formal Sector Social Health Insurance Programme.
b. Vital Contributors Social Health Insurance Programme.
c. National Mobile Health Insurance Programme.
The Formal Sector Health Insurance Programme is mandatory for all Nigerian companies that employ over 10 people, including civil service organizations and the private sector.
Both employers and employees fill the collective pool of contributions. The funds from it cover the medical expenses of the employees, their spouses and four children below 18.
The Vital Contributors Social Health Insurance Programme is voluntary for anyone, including legal residents, retirees and the companies that employ less than ten people.
National Mobile Health Insurance Programme is an option available for any Nigerian citizen with a mobile phone that is older than 18. It allows anyone to use their phone in order to enrol and pay for their health insurance.
2. Informal Sector
This sector provides health insurance to higher educational institutions, communities, and public-private partnerships.
This means health insurance for students, members of communities and partnerships. The collective pool is filled with payments from institutions and their members.
3. Vulnerable Groups
The vulnerable groups include pregnant women, children under the age of five, retirees, aged people, and prisoners. The collective pool is filled by governments of all levels, civil society organizations and development partners.
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How to Register for NHIS
The registration process is different depending on the programmes. The following are the procedures for each programme:
For the Formal Sector:
1. The registration is to be done through accredited HMOs.
2. The processing of the health insurance programme takes about 90 days (3 months) before the participant can access healthcare services.
3. The registration and payment cover the employer, the spouse and four biological children below the age of 18.
4. They will issue an identity card as proof of registration.
For the Informal Sector:
a. Registration is done through accredited HMO’s.
b. The registration payment covers only the individual concerned.
c. An identification card will be issued after registration.
d. It takes 90 days after registration before accessing medical care.
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FAQs on National Health Insurance Scheme
Below are the frequently asked questions on National Health Insurance Scheme:
1. Who is eligible for NHIS?
This programme covers employees in the formal sector (public and the organized private sectors) employment.
2. What is the benefit of national health insurance scheme?
The benefits of implementing the Compulsory Health Insurance Scheme includes three aspects: the scheme provides for the pooling of resources for cross subsidisation of health costs.
3. What is the meaning of National Health Insurance Scheme?
National Health Insurance Scheme (NHIS) is one of the health financing options adopted by Nigeria for improved healthcare access especially to the low income earners.
4. How much is NHIS in Nigeria?
Contributions under the NHIS for the formal sector are earning related, representing 15% of the employee’s basic salary.
5. How much is NHIS salary?
The average salaries for National Health Insurance Scheme (NHIS) is 281,050 Naira
6. What are the disadvantages of NHIS?
The disadvantages of NHIS according to respondents, include non-dispensing expensive drugs (60.9%)
7. When can I use my NHIS after renewal?
The National Health Insurance Scheme (NHIS) Card holders can now visit hospital immediately after registering or renewing their cards.
8. When was NHIS started?
6th June 2005
9. How do I register for NHIS in Nigeria?
To do that, go to nhisonline.com.ng and click Register
10. How much is HMO in Nigeria?
For example a Basic Plan in one of the leading HMO’s in Nigeria cost about N17,000 per members
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StudentsandScholarship Team
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