Nigerians working in the country's public sector are typically entitled to health insurance from their employers. However, this is not always the case for those employed in the private sector. This blog post will provide an overview of health insurance for employees in Nigeria, with a focus on options for informal sector workers.

Nigeria's National Health Insurance Scheme (NHIS) is the primary source of health insurance coverage for public sector workers. The scheme is funded by contributions from both employees and employers, as well as by the government. Coverage under the NHIS is fairly comprehensive, but there are some limitations. For example, only public hospitals and clinics are covered under the scheme.

Private sector workers are not eligible for coverage under the NHIS. However, there are a number of private health insurance companies that offer plans that can be tailored to the needs and budget of these workers. Some of the largest and most well-known insurers in Nigeria include Hygeia HMO, Leadway Assurance Company (LAC), Reliance HMO, and AXA Mansard

What Do Employees in Nigeria Need to Know About Health Insurance?
In most cases, health insurance is provided by employers who offer it as a benefit to their employees. Employees then pay a premium each month to maintain their coverage. In some cases, employees may also be responsible for paying a deductible before their coverage kicks in. Once the deductible has been met, the insurance company will then start to cover a portion of the cost of care. The amount that they will cover will depend on the particular plan.

When comparing health insurance plans from different companies, it is important to consider both the costs and the coverage. Some plans may have low monthly premiums but high out-of-pocket costs, while others may have high premiums but more comprehensive coverage. There is no one-size-fits-all solution when it comes to health insurance, so it is important to compare different plans before choosing one.

Employees in Nigeria need to know that there are many different health insurance options available to them. The best way to find the right coverage is through the health insurance marketplace you can compare plans and find the one that best meets your needs. A very good example is rohealth.ng. On this website, you can compare hundreds of health insurance plans and find the one that suits your needs.

Also, Be sure to ask about things like premiums, deductibles, and coverage limits so that you can make an informed decision about which plan is right for you.



Health insurance is an important benefit for employees in Nigeria. It can help to attract and retain good employees