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

1. Outpatient care
2. Emergency room treatment
3. Inpatient care hospital treatment
4. Care before and after nirth of a baby
5. Mental healthcare and substance use disorder services: Inclusive is  behavioral health treatment, counseling, and psychotherapy
6. Your prescription drugs
7. Injury recovery devices, which also includes, physical and occupational therapy, speech-language pathology, psychiatric rehabilitation, and more.
8. Laboratory tests
9. Preventive services
10. 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

1. 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.

 

2. 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:

 

1. Your deductible a year ago

 

2. How much was spent

A deductible is the amount of money you  spend out of pocket before protection covers .

3. 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

READ MORE ABOUT ASBESTOS

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?

READ MORE ABOUT SUN PLANTS

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)

 

2. Total Health Trust Limited

 

3. Clearline International Limited

16 oyefe avenue, off ikorodu road,

Savoil b/stop/hallmark assurance plc.

Obanikoro, lagos.

01-7741092, 4977542

09-6725605, 2730839

0806006004

 

4. 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

 

5. 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

 

6. 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)

 

7. United Healthcare International Limited

Nicon plaza, 2nd floor, Abuja.

Dorcas 08034086095

 

8. 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

 

10. Ronsberger Nigeria Limited

Plot 359, mambolo street, zone 2, wuse

District, abuja.

09-5234162

09-6709889

08035053179

(mr. Ben. Chukwu)

 

11. International Health Management Services Ltd.

2, joseph street, off broad street, lagos

01-4736933

08033145541 (mrs. Medo)

08054156880 (miss elizabeth)

 

12. 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

 

13. Songhai Health Trust LTD.

Ground floor, nigeria re-insurance building

Beside unity bank, plot 78a herbert macaulay

Way, central area, abuja.

09-2223636

08033571011

 

14. Integrated Healthcare Ltd

19 jos street, area 3, garki, abuja.

09-2342199

09-2342299

 

15. 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

 

16. 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

 

17. 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)

 

18. 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

 

19. 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)

20. 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

 

21. Zenith Medicare Ltd

Plot 131b adetokunbo ademola crescent

Wuse ii, abuja.

09-8705763

08069261950

Fax: 09-4131660

 

22. Defence Health Maintenance Ltd

No. 2 Kamina close, off ndele street, wuse zone

3, abuja.

09-2348096

 

23. 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)

 

24. 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

 

25. 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

 

26. Royal Health Maintenance Services

24 wetheral road, owerri, imo state.

08037956689

083-231053

 

27. Arewa Health Maintenance Services

Plot 645, alex ekwueme street, jabi, abuja.

09-2908529

09-5231162, 08027128412

 

28. Zuma Health Trust

1235, no. 6 sapele street,

Opp. Nsmp quarters, garki, abuja.

09-5236159

Dr. C.d. Ali

08033147249

Hmo

Code

 

29. Markfema Nigeria Ltd.

4a gurara street

Ibrahim abacha estate

Zone 4, abuja

09-5238945

6725510

08033109117 dr. Femi onimole

08054472099

 

30. Prepaid Medicare Services Ltd.

No. 1 bengui street

Off adetokunbo ademola crescent

Wuse ii, abuja

08057430303 dr. Oluyide

08058959065 dr. Olagbegi

 

31. Cignet Health Limited

15 admiralty way

Lekki phase i, lagos

Lagos state.

01-2706697 5555603, 5555567

01-2706697 hon. Jeff

 

32. Fortecare Limited

303 nnebisi road

Asaba. Delta state

056-280855, 282157, 282164

08033185341 dr onyia i. Odaniba

08033085205 valentine – abuja

 

33. GTI Healthcare Limited

39a saka tinubu street

Victoria island, lagos.

01-4610266, 2625682, 2625684-5

08034963464 Mr. Martin Chukwu

 

34. Sterling Health Managed Care Services Limited

Valley view plaza

99 Opebi road, ikeja, lagos.

01-2790698

08023020934

 

35. Health Partners Limited

12, sobo arobiodu street

G.r.a., ikeja, lagos,

Lagos state

01-2716982-4

 

36. Precious Healthcare Limited

No. 8, lungi street, off cairo

Wuse ii, abuja

234-9-4139411

 

37. Kaduna GMD Healthcare Limited

13 isa kaita road

Kaduna, kaduna state

062-213122

213120

 

38. diamond shield health services limited

73a, mainland way

Dolphin estate, ikoyi

Lagos.

01-4620601

08033092081

 

39. Oceanic Health Management Limited

20, ozumba mbadiwe avenue,

Victoria island, lagos

01-4615145/46,

01-7614947

 

40. Unic Health Managed Care Services Limited

Plot 144, oba akran avenue

Ikeja, lagos.

01-2709728