Health Insurance is complicate, but so much is health itself. There are lots of factors one must know before taking an insurance cover, especially the health insurance companies and benefits.
EXPLAIN HEALTH INSURANCE
Health insurance is an insurance coverage that includes the cost of an insured individual’s medical and surgical expenses. According to the type of health insurance coverage, the insured may pay the costs out of his pocket and is later reimbursed, or the insurer makes payments directly to the health provider.
What is Health Insurance cost in Nigeria?
The registration of dependants may cost around N9,000 per head. However, for private health care service, some of the individual plans start from N35,000 to N220,000 while the family plans range from N125,000 to N650,000.
Vital Contributors Social Health Insurance Programme (VCSHIP) costs a registration fee of N15,000 and N10,000 per head. The National Mobile Health Insurance Program (NMHIP) costs N12,000 and N9,000 per head. These fees are renewed annually.
Listed are Health Insurance benefits
- Outpatient care
- Emergency room treatment
- Inpatient care hospital treatment
- Care before and after nirth of a baby
- Mental healthcare and substance use disorder services: Inclusive is behavioral health treatment, counseling, and psychotherapy
- Your prescription drugs
- Injury recovery devices, which also includes, physical and occupational therapy, speech-language pathology, psychiatric rehabilitation, and more.
- Laboratory tests
- Preventive services
- Pediatric services:
Tips On Health Insurance
It ia is a must for one to carry his doctor along. Your Doctor must be aware of your plan. This is significant, based on several reasons. You can have back up plans at reduced rate with this knowledge. This is based on the facilities available
- Without the knowledge of your Doctor you may need to pay out-of-arrange rates for your care elsewhere, which are regularly twice as costly in-organize rates, as per benefits.
- Calculate your health insurance needs
Before you pick the best health insurance cover, you require a thought of what plan you basically operate presently and what medical claims you have gotton. Factors to check include:
- Your deductible a year ago
- How much was spent
A deductible is the amount of money you spend out of pocket before protection covers .
- Note benefits
Once you have several choices, it’s a great opportunity to address any waiting inquiries. Your inquiries will be based on your present health situation. Their are also specific things you must inquire.
How could a specific drug you take be covered under this arrangement
What happens on the circumstances of becoming sick if you travel out of the country?
How would you begin your trips, and what records will you need?
A last tip: Keep in mind to stop your old arrangement before the better and brighter one begins in the event that you switch.
Health Insurance Companies in Nigeria:
1 Hygeia HMO Limited
11a idejo street, off ademola odeku street
Victoria island, lagos.
01-4617071
01-4617073
08036710207 adebajo (abuja)
- Total Health Trust Limited
- Clearline International Limited
16 oyefe avenue, off ikorodu road,
Savoil b/stop/hallmark assurance plc.
Obanikoro, lagos.
01-7741092, 4977542
09-6725605, 2730839
0806006004
- Healthcare International Limited
308a murtala mohammed way, yaba, lagos
Abuja office: 3rd floor
Uacn commercial complex
Plot 272/273, beside arewa suites
Central business district, abuja.
01-4705701, 01-4705702
09-6709099, 6739099, 09-5238589
6724509, 08033151956
- Medi Plan Health Care Limited
Plot 286b, ajose adeogun street
Victoria island, lagos.
Abuja: suite 42-44, God’s own plaza
Takun close, off nkwerre street
By ahmadu bello way
Behind unity house (rochas foundation)
01-2611012
01-2614828
08033081650
- Multi Shield Nigeria Limited
No. 322, ikorodu road, anthony, lagos.
Abuja: metro plaza
Suite f18, 1st floor (opp. Nat. War college)
Central area, abuja.
01-7737579
01-7910807
09-4619127
09-4619128 fax
08032916251 (amana)
- United Healthcare International Limited
Nicon plaza, 2nd floor, Abuja.
Dorcas 08034086095
- Premium Private Health Trust Limited
.
31b, Itafaji road, dolphin estate
Ikoyi, lagos
Abuja: no. 5b kabo street
Garki ii opposite eddy vic hotel, abuja
01-4614498
08023387494
- Ronsberger Nigeria Limited
Plot 359, mambolo street, zone 2, wuse
District, abuja.
09-5234162
09-6709889
08035053179
(mr. Ben. Chukwu)
- International Health Management Services Ltd.
2, joseph street, off broad street, lagos
01-4736933
08033145541 (mrs. Medo)
08054156880 (miss elizabeth)
- Expatcare Health International LTD.
39a, sura mogaji street, off coker road, ilupeju,
Lagos.
Abuja office: igi house 3, gwani street, wuse,
Zone 4, abuja
08055890010, 08055274020
08055890025, 08025240194
080252540194 08034886898
- Songhai Health Trust LTD.
Ground floor, nigeria re-insurance building
Beside unity bank, plot 78a herbert macaulay
Way, central area, abuja.
09-2223636
08033571011
- Integrated Healthcare Ltd
19 jos street, area 3, garki, abuja.
09-2342199
09-2342299
- Premier Medicaid Ltd
Olive house, no. 6/53 fajuyi road
Adamasingha, ibadan.
Abuja office: no. 4 takum close
Area 11, garki, abuja
01-2410052
08037866956
Steve auta
08063446465
- Managed Healthcare Services Ltd
16 obokun street, off coker road,
Illupeju, p.o.box 641, oshodi, lagos.
Abuja: 1st floor tofa house
Central business district, abuja.
01-4931629-32
08059705441
08033206673
- Princeton Health Group
26, mogaji-are road, opposite vital bakery,
Ring road, p.o. Box 23512, mapo, ibadan.
Abuja office: 42, adetokunbo ademola crescent
Opp. First inland bank
Wuse ii, abuja.
02- 7511737, 08023137463
08060429280 08038440320
08023928579
09-7801184
08034306380 – olalekan (abuja)
- Maayoit Healthcare Ltd
1, iloffa road, g.r.a., p o box 5504,
Ilorin, kwara state.
Abuja office: no. 5 Mahatma Gandhi street
Off shehu shagari way
Behind bulet garden
Area 11 junction b/stop
Garki, abuja.
031-229898
08058026841
09-3145815,
08050825957
08023240467
08050825957 adesuyi p.r.o
- Wise Health Services Ltd
Plot 533, durban, off adetokunbo ademola
Crescent, wuse ii, abuja.
09-6723065 09-5238935
01-2623114
09-5238925, 09-5236625
(08023355000)
Mr. Ayo rabiu (08036339696)
- Wetlands Health Services Ltd
5, national supply road, off trans-amadi road,
P o box 12403, port harcourt, rivers state.
Abuja office: banex plaza
Plot 750 aminu kano crescent
Zone a7, wuse ii
P o box 6914, abuja
084-750952
771691
08023373103
08033551352 08050981840
(miss sifawu prisca jimoh) abuja
08035233502
08050981840
- Zenith Medicare Ltd
Plot 131b adetokunbo ademola crescent
Wuse ii, abuja.
09-8705763
08069261950
Fax: 09-4131660
- Defence Health Maintenance Ltd
No. 2 Kamina close, off ndele street, wuse zone
3, abuja.
09-2348096
- United Comprehensive Health Managers Ltd.
Suite 40, 24 old Aba road, Rumuogba
P o box 6150, trans amadi, port harcourt, rivers
State.
08033419470, 08055021760
08023145171 akajiaku (abuja)
- Healthcare Security Ltd.
3 kanta road (near nndc), p. O. Box 8318 Kaduna.
Abuja: bannex plaza
Bps 6, 750 aminu kano crescent
Wuse ii, abuja
08052745337
08033148050
08037107658
062-212872
Augustine igomu
08055121516, 08025701970
- Strategic Health Planners Co. Ltd.
Bk international house
Spc junction, murtala mohammed highway
P o box 3047, calabar, cross river state.
08050233249
08037091628
08037871484 mr. Ezete – abuja
08055353370
- Royal Health Maintenance Services
24 wetheral road, owerri, imo state.
08037956689
083-231053
- Arewa Health Maintenance Services
Plot 645, alex ekwueme street, jabi, abuja.
09-2908529
09-5231162, 08027128412
- Zuma Health Trust
1235, no. 6 sapele street,
Opp. Nsmp quarters, garki, abuja.
09-5236159
Dr. C.d. Ali
08033147249
Hmo
Code
- Markfema Nigeria Ltd.
4a gurara street
Ibrahim abacha estate
Zone 4, abuja
09-5238945
6725510
08033109117 dr. Femi onimole
08054472099
- Prepaid Medicare Services Ltd.
No. 1 bengui street
Off adetokunbo ademola crescent
Wuse ii, abuja
08057430303 dr. Oluyide
08058959065 dr. Olagbegi
- Cignet Health Limited
15 admiralty way
Lekki phase i, lagos
Lagos state.
01-2706697 5555603, 5555567
01-2706697 hon. Jeff
- Fortecare Limited
303 nnebisi road
Asaba. Delta state
056-280855, 282157, 282164
08033185341 dr onyia i. Odaniba
08033085205 valentine – abuja
- GTI Healthcare Limited
39a saka tinubu street
Victoria island, lagos.
01-4610266, 2625682, 2625684-5
08034963464 Mr. Martin Chukwu
- Sterling Health Managed Care Services Limited
Valley view plaza
99 Opebi road, ikeja, lagos.
01-2790698
08023020934
- Health Partners Limited
12, sobo arobiodu street
G.r.a., ikeja, lagos,
Lagos state
01-2716982-4
- Precious Healthcare Limited
No. 8, lungi street, off cairo
Wuse ii, abuja
234-9-4139411
- Kaduna GMD Healthcare Limited
13 isa kaita road
Kaduna, kaduna state
062-213122
213120
- diamond shield health services limited
73a, mainland way
Dolphin estate, ikoyi
Lagos.
01-4620601
08033092081
- Oceanic Health Management Limited
20, ozumba mbadiwe avenue,
Victoria island, lagos
01-4615145/46,
01-7614947
- Unic Health Managed Care Services Limited
Plot 144, oba akran avenue
Ikeja, lagos.
01-2709728