How to get NHIS number-National Health Insurance Scheme (NHIS) is a health insurance scheme established by the country with the purpose of providing easy access to health care services to her citizens.
The government understands how expensive it is to access health care in the country, so they introduced a system that will help everyone to access affordable and quality health care, no matter your class in the society.
What is NHIS and Function?
The acronym NHIS means National Health Insurance Scheme. In Nigeria, the quest of how to get NHIS Number is increasing day by day. The NHIS scheme was established under the Act 35 of the 1999 constitution of the federal republic of Nigeria. The main purpose of establishing NHIS is to improve the health statues of the citizens at a very low cost.
What do NHIS do?
NHIS is a corporate body that aims to provide affordable health care to Nigerians who subscribed to the scheme. Their main function is to ensure that every Nigerian have access to quality health care at a very low cost. If you want to know how to get your NHIS Number, this article got you covered.
1. They provide social health insurance to Nigerians who subscribed to the scheme.
NHIS is the most widely used form of health insurance coverage in Nigeria. The scheme is widely used because of it easy access and affordability when compared to other health insurance providers in the country.
- NHIS manage the National Health Insurance fund for the federal government.
- They educate and create public awareness about the importance of health insurance to the members of the public.
- They make proposals to the ministry of health about new health insurance policies that may be of benefit to Nigerians.
2.They provides financial access to quality health care to all Nigerians who subscribed to the scheme.
One of the core visions of the scheme is to provide financial help to all Nigerians who signed up for the scheme.
They do this by making sure you received the best health care treatment at a very low cost. There by saving you a lot of cash that you would have spent on medical bills.
- They ensure equality in health care coverage in the country by making sure that both the poor, the middle class and the rich have access to quality health care.
- They also protect the less privileged and vulnerable Nigerians against financial risk
3.They regulate private health insurance organizations like HMOs in Nigeria.
One major functions of the NHIS in Nigeria is to regulate other smaller private health insurance providers. They gives license of operation to HMOs
If any health insurance company in the country deviates from the standard of operation, NHIS is in the best position to sanction the company either by withdrawing the company’s license of operation or by serving them punishment according to the gravity of the company’s offence as stipulated by law.
- They register, supervise and grant credentials to other private health insurance givers in the country.
- They resolve any complaints that may come between the National health insurance members and other health service providers in the country
How to Get NHIS Number
Below is the break down of how you can get NHIS Number.
- Physical application
- Online application
- Mobile/phone application
1. How to Get NHIS- Physical Application
This method of application requires that your employees or you visit NHIS office or any accredited hospital or HMO office for registration. Upon visitation to register as subscribers.
The registration officer would need your full name, date of birth, home address, marital status, age and mobile phone number and staff ID card number.
After submitting your personal information, the registration officer will take your passport photo graph and biometric data. After the registration, a card will be issued to you as a proof of NHIS subscriber.
Whenever you or your employee fall sick, he or she is required to visit the primary health care center selected during registration with the NHIS card, you will be attended to by health workers. This is how you can get NHIS Number.
2. How to Get NHIS Number- Online Application
With this method, you can you can get NHIS Number apply for NHIS for yourself or your beneficiaries or even your employees any where you are, even right there in the comfort of your office.
Online registration requires that you visit NHIS office or any participating health maintenance organization(HMO) to buy the voucher used for online registration.
After you purchase the voucher, you will be given a registration link for your employees as well. All you need to do is to log into the NHIS online registration portal that was given to you and complete the registration process.
3. How to get NHIS Number- Mobile phone Application
You can as well get your NHIS Number using the National Mobile Health Insurance program (NMHIP). All you need to do is to inform your employees to pick their mobile phones and dial *616#, a menu will appear with options of how to register.
Gradually follow the commands and complete your registration. After successful registration, you will receive your e-ID as a text message on your phones.
In Nigeria, as an employer of labor, 5% of your staff’s salary will be deducted on a monthly basis as contributions to the scheme while you as the boss will contribute 10% to the scheme.
How does NHIS work in Nigeria?
The national Health Insurance Scheme work in a way that, you as a subscriber will pay a certain small amount of money as a contribution to the scheme.
The amount of money you contributed will serve as your social health insurance coverage. The program is divided into three categories:
- The formal sector
- The informal sector and
- The vulnerable.
The formal sector is compulsory for every company in Nigeria with more that 10 employees.
This is according to the law of the federal government of Nigeria; that every organization with up to 10 employees must have a health insurance coverage for their employees.
When you as a subscriber contributes money, together with other subscribers. The contributions all serves as an insurance coverage to all subscribers of the scheme.
The chances of all the subscribers to fall sick at a time is very slim. In short it is not possible for all the subscribers to fall sick at a time, and because of that, the few subscribers that may fall sick will get a good health treatment that sometimes will worth far more than their contributions.
Health expenses covered by NHIS in Nigeria
- Out patient care;
- Prescribed medicine;
- Dental care;
- Maternity care;
- Preventive care;
- Consultations with medical specialist;
If you or your staff have any medical challenge relating the above listed conditions, may be you should consider applying for NHIS.
How much you can pay for NHIS in Nigeria
The amount you will pay depend on the type of program you chose. For formal sector(federal, public sector), workers pays 1.75% of their salary every month while the organization pays 3.5% on behalf of their workers.
While for people in the private sector, the organization is expected to contribute 10% of a staff monthly salary while the employees are expected to contribute 5% of their monthly salary to the scheme.
For individual, vulnerable and other program enrollees, the amount you will pay depend on the risk and the health problem you have .
Programmes offered by NHIS in Nigeria
NHIS offers programmes that cut across all sphere of the society. Ranging from the convicts, the poor, the middle class and the rich. No matter your level in the society, NHIS have got you covered. Below are the major programmes they offer, categorized into three:
1. Formal sector
This program is made up of public and private organizations in Nigeria. According to the constitution of the federal republic of Nigeria, it’s compulsory that every organization with more than ten employees should have NHIS coverage.
2. Informal sector
The informal sector is made up of the
- Primary school children;
- Secondary school;
- Tertiary schools and;
- Community base social health insurance scheme;
3. Vulnerable group
People under vulnerable group are:
- physically challenged persons
- Prison inmates: convicts, awaiting trials, offending minors
- Children under five
- pregnant women
- Aged parents
Levels of health care under NHIS
There are three levels of health care under NHIS.
1. NHIS Primary health care
During registration, a participant is expected to choose a primary health care center. Your primary health center is usually the first place you visit whenever you have any health challenge.
2. NHIS Secondary health care
Secondary health care treats more complex health problems that cannot be treated on the primary health care levels. It’s usually a referral level from primary health care.
When health workers cannot treat a particular health conditions, they refer the person to the secondary health care level.
3. NHIS Tertiary health care
This is considered to be the apex level when it comes to treating any health related problem. This level take referrals from primary and secondary health care level.
Any health challenge that cannot be treated at this level is considered to be a worst health challenge and may be referred abroad on the worst case scenario.
How can my employee access health care with NHIS?
To access health care with NHIS your employees would need to:
- pick the NHIS card
- Go to the selected primary health care provider
- present the NHIS card to the Health Record Office at the out-patient unit
- Wait for some time to allow the officials of the health facility to check the authenticity of your card
- After the officials have confirmed the validity of the card, your staff will be attended to.
- Inform your staff to get the card back from the health officials after receiving treatment.
NHIS Card Replacement
In the event that your staff misplaced the NHIS card, or damaged it, or expired. You will need to:
- Contacting the NIHS office.
- Request for card replacement form on behalf of your staff.
- Fill the replacement form
- Pay the applicable fee
- Get a new card
As an NHIS subscriber, you are a stakeholder of the scheme. Your only responsibility is to pay your premium promptly. Your staff NHIS card is their ticket to access health care whenever they any health challenge.
New subscribers, will have to wait for 90 days before they can begin to enjoy the health benefits under NHIS.