Health insurance is a type of insurance that covers the costs of medical and surgical expenses incurred by the insured. Health insurance can either be purchased from a private company or obtained through a government program. In Nigeria, there are three common types of health insurance: private health insurance, community-based health insurance, and social health insurance.

- Private health insurance is provided by a number of private companies and covers only the policyholder and their immediate family. Private health insurance plans typically have higher premiums than other types of health insurance, but they also have more comprehensive coverage.

- Community-based health insurance (CBHI) is a type of insurance that is funded and managed by the community itself. CBHI schemes are often established in rural areas where access to formal financial services is limited. In most cases, CBHI schemes cover only basic health care services.

- Social health insurance (SHI) is a type of insurance that is financed by the government and run by non-profit organizations. Social health insurance plans usually have low premiums and enrol large numbers of people, but it often has more limited coverage. In addition, SHI often has smaller networks of doctors and hospitals than private insurers.

How to get health Insurance in Nigeria
There are three main ways to get health insurance in Nigeria: through your employer, from a private company, or from the government.

If you are employed by a large company or organization, chances are that your employer already provides some form of health insurance for you and your family.

If you are employed by a small company or are self-employed, you may need to purchase your own health insurance plan.

There are many private companies that offer different types of health insurance plans in Nigeria. Some of these companies include AXA Mansard, Leadway Assurance Company, First Guarantee Healthcare, and Sterling Health Insurance Plc.

If you decide to purchase health insurance from the government, you will need to contact the National Health Insurance Scheme (NHIS).

Regardless of how you obtain it, having health insurance is important. It can help you pay for unexpected medical expenses and ensure that you get the treatment you need without going into debt. There are a variety of options available, so be sure to do your research before you choose a plan.

You can check out the rohealth app on rohealth.ng, to find health insurance plans that meet your needs. roHealth offers both employers and employees an opportunity to have health insurance. roHealth app is designed to help organizations scale and employees’ healthcare.

If your employer does not offer health insurance as part of your employee benefit, you can sign up for the roHealth individual plan, on rohealth.ng, where you can find just the right health insurance plan that fits your budget.