If you have decided that paying out of your pocket is no longer the best option and you require a more reliable and convenient access to health care, here is how you can buy a health insurance policy in Nigeria.
Contact the offices of the different Health Maintenance Organizations (HMOs) in Nigeria through the nhis.gov.ng/hmos link. The names and contacts of the different health care companies are available on this website. If you are working with a private company or government sector, find out if your organization has begun making plans for health insurance for the employees or if there is an already existing health insurance contract with any HMO. If you are self-employed, there is a plan for
These are some of the details you will need to provide while applying for or buying health insurance as an individual or self-employed person:
Your personal data (full name, nationality, age, residential address, gender, occupation, etc.)
Any of previous ailments suffered by you or your family members for example, glaucoma, diabetes, major surgery, hospitalization for more than two (2) weeks, asthma, sickle cell, etc. as the case may be. Type of plan you desire to enroll. This is to know if you are subscribing as an individual or for you and your family. There are different plans available which are
ranked according to the medical services provided.
You should find out what is involved in each of the health insurance package before choosing any of them so that
you do not have problems in future when you require some health care. For example, your health insurance choice may be covering hospital admission in a semi-private ward but will not be able cover admissions in a private ward or your insurance package may cover maternity and immunization but may not cover some immunization vaccines like MMR or any other vaccine.
So, it is important that you make all the necessary inquiries and read about the plans provided by your chosen health care insurance provider before buying a health plan. List of eligible dependents which include your spouse and four (4) children under the age of 18 or 21 years depending on the HMO you chose for your insurance. Your passport photographs and those of your dependents. There are corporate health insurance plans offered by different HMOs.
These plans range from instant health, to executive or zenith health (these terms differ with HMOs).
The life of your employees is very important to the company I guess, so in a case of emergency at work or injury that can be life threatening at work, the health insurance will help your employee get access to medical care instantly because an ambulance will be provided through the health insurance plan which can be obtained for just less than one thousand naira (1000Naira) if for example you are using a Zenith Medicare insurance plan. This will give your company a better public image giving off the impression that your employees are very well taken care of.
Funding for the insurance comes from deductions from the employees’ salary which makes it easier for the company and the employees too. Before making the decision to buy health insurance for your company employees, it is important that you consider your salary scheme and then choose the number of people you want to cater for in your company as well as the right plan that suits your company policy and your employees.
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