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The National Health Insurance Scheme (NHIS) is one of Nigeria’s most important healthcare initiatives, created to make quality medical services affordable for citizens.
Whether you are a civil servant, private employee, self-employed, or employer, understanding how NHIS works can help you save money and access better healthcare when you need it most.
In this article, you’ll learn the meaning of NHIS, what it covers, who is eligible, and how to register in Nigeria.
What is NHIS?
The National Health Insurance Scheme (NHIS) is a government-backed program designed to give Nigerians access to affordable healthcare through health insurance.
Its main goal is to reduce out-of-pocket medical expenses by allowing individuals and organizations to contribute a small premium monthly or yearly in exchange for health coverage.
In 2022, the NHIS transitioned to the National Health Insurance Authority (NHIA), but many Nigerians still call it “NHIS.” The functions remain the same—providing affordable, accessible healthcare across the country.
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Who is Eligible for NHIS?
NHIS/NHIA covers:
- Federal and state civil servants
- Employees in private organizations
- Self-employed individuals
- Business owners
- Students under tertiary institution health plans
- Retirees (special plans)
- Families
- Almost every Nigerian is eligible under one plan or another.
What NHIS Covers in Nigeria
Coverage depends on the specific plan you choose, but the NHIS generally pays for the following:
1. Outpatient Care
- Consultation with doctors
- Basic treatments
- Medications for common illnesses
2. Inpatient Services
- Admission and hospital stay
- Basic medical procedures
- Feeding (in some facilities)
3. Maternity Care
- Antenatal clinic
- Delivery (normal)
- Postnatal care
- Emergency pregnancy complications
4. Laboratory Investigations
- Blood tests
- Urine tests
- Basic screening
- Diagnostic checks
5. Surgeries (Basic and Intermediate)
- Appendectomy
- Hernia repair
- Cataract removal
- Minor orthopedic procedures
6. Immunization and Preventive Care
- Routine vaccinations
- Malaria prevention
- Health education
7. Prescription Drugs
NHIS covers many essential medications recommended in the national drug list.
What NHIS Does NOT Cover
Some services are excluded:
- Cosmetic surgery
- Advanced surgeries like organ transplant
- Infertility treatments (IVF)
- Chronic conditions requiring long-term expensive care (varies by plan)
- Dental procedures beyond basic extraction
- It’s important to check with your Health Maintenance Organization (HMO) for detailed exclusions.
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How to Register for NHIS in Nigeria (Step-by-Step)
Registration depends on your category. Below are the easiest methods.
1. How Civil Servants Register (Formal Sector Program)
If you work under the federal or state government:
Step 1: Get an NHIS registration form from your HR or NHIS desk officer.
Step 2: Fill in your details (and your dependents).
Step 3: Choose an accredited HMO and Hospital.
Step 4: Submit the form back to HR for processing.
Step 5: Receive your NHIS ID number and start accessing care.
2. How Private Company Employees Register
Your employer handles the process:
Step 1: Company enrolls with NHIA.
Step 2: Employees fill the NHIS form.
Step 3: Choose an HMO & preferred hospital.
Step 4: NHIS issues ID numbers.
Step 5: Coverage becomes active.
3. How Self-Employed or Business Owners Register (GIFSHIP)
Self-employed Nigerians register under GIFSHIP — Group, Individual & Family Social Health Insurance Program.
How to register:
—Visit any NHIA office nationwide
Or register online via their official portal
Fill the enrollment form
—Pay the premium (individual, couple, or family plan)
—Pick an HMO and hospital
—Receive your NHIS ID within a few days
This is the easiest method for freelancers, traders, transport workers, farmers, private business owners, etc.
4. Student NHIS Registration (TISHIP)
Students in universities, polytechnics, and colleges of education are covered under TISHIP.
Procedure:
—School collects the annual health insurance fee
—Students are assigned to a clinic on campus
—Treatment becomes available immediately after registration
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Cost of NHIS in Nigeria (2026)
Costs vary by plan, but here is the typical range:
—Formal Sector (civil servants): 5% employee + 10% employer contribution
—Private employees: Employer decides but mostly similar
—GIFSHIP: ₦15,000 – ₦45,000 per person yearly depending on plan
—Family plans: ₦60,000 – ₦120,000 per year for entire family
Prices can change by HMO, but these are the average rates.
Benefits of Enrolling in NHIS
- Saves cost on hospital bills
- Access to quality hospitals nationwide
- Covers entire family
- Reduces financial stress during emergencies
- Supports pregnant women & newborns
- Encourages preventive healthcare
Best HMOs to Use for NHIS in Nigeria (Popular Options)
These HMOs are widely recognized and have good hospital networks.
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Final Thoughts
NHIS/NHIA is one of the most reliable ways for Nigerians to access affordable healthcare.
Whether you are employed, self-employed, or managing a family, registering gives you peace of mind and protection from high medical expenses.
Getting started is easy—simply choose the right plan, register through an NHIA office or your employer, select an HMO, and enjoy coverage.
