NHIA Formal Sector Social Health Insurance

by National Health Insurance Authority (NHIA)

★★★☆☆3.6(5,430 reviews)

The National Health Insurance Authority (formerly NHIS) administers Nigeria's social health insurance programme. The Formal Sector Social Health Insurance Programme covers federal government employees and their families through accredited Health Maintenance Organisations (HMOs).

Monthly Premium

NGN 6,000 - NGN 18,000

Deductible

NGN 1,000 - NGN 5,000

Coverage Type

basic

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Coverage Details

✓Hospitalization

✓Outpatient Care

✗Dental

✗Vision

✗Mental Health

✓Maternity

✓Prescription Drugs

✓Emergency Care

✗International Coverage

✗Telehealth

Pros

✓Low contribution rates for formal sector workers
✓Government co-contribution for employees
✓Wide geographic coverage across 36 states
✓Covers dependants including spouse and up to 4 children

Cons

✗Benefit limits are modest
✗Quality of accredited providers varies widely
✗Claims processing and reimbursement can be slow

Editorial Review

“Nigeria's NHIA programme provides a critical first layer of health coverage for formal sector workers, though benefit levels remain modest relative to actual healthcare costs.”

— Nigerian Healthcare Financing Review 2025