₦airaland Forum

According to the United Nations, there’s been an increase in the number of tuberculosis cases in recent time, and it’s due to the COVID-19 pandemic, it is currently named the second leading infectious killer after COVID-19 (above HIV/AIDS).
It is therefore important that you understand what tuberculosis is, its mode of transmission, symptoms and other relevant information.

What is tuberculosis?
Tuberculosis (TB) is an infectious disease that most commonly affects the lungs but can affect any organ in the body. It can form when bacteria spread through air droplets. Although tuberculosis can be fatal, it is often preventable and treatable.

Cause
Tuberculosis (TB) is caused by a bacterium called Mycobacterium tuberculosis.

Mode Of Transmission
Tuberculosis bacteria spread from person to person through the air. When a person with tuberculosis of the lungs or throat coughs, speaks, or sings, TB bacteria can enter the air. People nearby may breathe in these bacteria and become infected.

Symptoms
The symptoms of tuberculosis (TB) vary depending on where the bacteria are growing in the body. TB bacteria are most commonly found in the lungs (pulmonary TB). Lung tuberculosis can cause symptoms such as
- a persistent cough lasting three weeks or more
- chest pain
- coughing up blood or sputum (phlegm from deep inside the lungs)
Other signs of tuberculosis include:
- weakness or exhaustion
- no appetite for weight loss
- chills/fever
- night sweating
TB symptoms in other parts of the body vary depending on the area affected.

Who Is At Risk
WHO says that Tuberculosis mostly affects adults in their most productive years. However, all age groups are at risk. Over 80% of cases and deaths are in low- and middle-income countries.
Generally, people who are at high risk of developing tuberculosis fall into two categories:
- People who have recently been infected with tuberculosis bacteria
- People suffering from immune-suppressive diseases

Prevention
Infection from tuberculosis can be prevented by:
- getting a diagnosis and treatment as soon as possible
- staying away from other people until there is no longer a risk of infection
- wearing a mask, covering one's mouth, and ventilating rooms

Treatment
Tuberculosis is a treatable and curable disease. Drug-susceptible tuberculosis is treated with a standard 4-month or 6-month course of four antimicrobial drugs, with support from a health worker or trained treatment supporter. Adherence to treatment is more difficult without such assistance.

Health Insurance and Treatment
Treatment of tuberculosis can be quite expensive as one needs close services of doctors and other health workers. The treatment takes several months. It is therefore important to ensure that you’re getting quality treatment.
Health insurance helps you to access quality healthcare without spending much.
Visit www.rohealth.ng to learn more!!

The cost of living is rapidly rising, as well as the cost of healthcare.
To control the cost then, an individual must become a smart consumer. To protect oneself, one must have health insurance.
Even if it appears that everything is becoming more expensive, there are still ways to get the care you require at a reasonable cost.

Taking advantage of government programs is one way to obtain low-cost healthcare. Depending on your income and family size, these can provide low-cost or even free coverage.

Another option is to join a group health insurance plan. These plans are available through professional organizations and other organizations. Group health insurance plans can offer significant premium and out-of-pocket cost savings by pooling resources.
You can also consider purchasing private health insurance. Some employers provide these as a benefit to their employees, so check with your HR department to see if yours does.

Advantage Of Health Insurance
The main advantage of having health insurance is to ensure that you are financially protected in the case of a medical emergency. Health insurance gives you peace of mind knowing that your medical expenses are already catered for so you can concentrate on other things.

A family's health insurance costs can even outstrip their mortgage payments.
Sign up for free on rohealth.ng to purchase health insurance!!

Polio is a viral infection that, in its most severe form, can result in paralysis and death. It spreads easily from person to person.

The World Health Organization (WHO) hopes to eradicate polio completely, making it only the third disease to have been defeated in this manner, following smallpox and rinderpest.

Polio, however, has not been successfully eradicated in Nigeria, Pakistan, and Afghanistan.

Related Article: Health Insurance And The Fight Against Polio In Nigeria
Transmission
Polio is a highly infectious disease caused by the poliovirus. It is transmitted by person-to-person spread through the fecal-oral route. Because the virus lives in the throat and intestines, it can also spread through sneezing or coughing.

People who live in areas without running water or flush toilets are more likely to contract polio from drinking water contaminated by infected human waste. According to the Mayo Clinic, the virus is so contagious that anyone who lives with someone who has it can contract it as well.

Pregnant women, people with weakened immune systems, such as HIV-positive people, and young children are especially vulnerable to the poliovirus.

Who is at risk for polio?
Polio mainly affects children younger than the age of five. However, anyone who is not vaccinated is at risk of developing this disease.

It’s important to get a health insurance plan to ensure you are financially protected while you ans your family receive immediate and adequate medical attention.

Log on to [url=https://www.rohealth.ng/?utm_campaign=organic%20L%20traffic&utm_medium=content_generation&utm_source=loveth-article]rohealth.ng[/url] to get health insurance!

In the wake of the floods in Nigeria, it is critical that we focus on the reasons why you need health insurance rather than just when life throws you a curve ball. In a country like Nigeria, where floods occur on a consistent basis, health and financial protection are essential.

In addition to the devastating effect on health, floods result in significant costs to repair homes and property, which can take months or even years to complete. Most households cannot afford these costs, resulting in not only a huge financial setback but also a major health setback.

Importance Of Having health Insurance
Even a minor illness can turn into a financial disaster if you do not have health insurance. A medical emergency can quickly escalate into a financial crisis. Families frequently sell assets or take out loans to pay for medical care. This adds to the financial difficulties that families are already facing.

Health insurance protects you against unanticipated medical expenses, such as an accident or illness, as well as unexpected financial loss caused by hospitalization.

In the event of a health crisis, it also protects your income and gives you peace of mind. Consider purchasing a health insurance policy to protect yourself and your family.

So how do you know how much health insurance to buy? And how do you choose the right plan for you and your family?
The first step is determining how much health insurance you require. We all have different risk exposures and insurance requirements. A parent with two small children may require more insurance than a middle-aged single person. A young, healthy person may require less than an elderly person suffering from a chronic illness.

As a general rule, health insurance should cover at least 75% of your medical expenses. You should also think about getting extra coverage for things like dental and vision care, as well as prescription drugs.

Once you know how much coverage you require, you can begin comparing health insurance plans. There are numerous types of health insurance plans available, so selecting one that meets your needs is important.

Health insurance is not an extravagance. It is an investment that protects your health and your finances. Having health insurance can make the difference between life and death.

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A policyholder is the person who purchases and maintains a health insurance policy. In most cases, the policyholder is also the covered individual, which means that they are the one who receives coverage under the policy. However, it is possible for someone to be a policyholder but not a covered individual. For example, a parent may purchase a health insurance policy for their child. In this case, the parent would be the policyholder, and the child would be the covered individual.

Related Article: [url=https://rohealth.ng/rohealth-blog/who-is-a-policyholder-in-health-insurance/?utm_campaign=organic%20L%20traffic&utm_medium=content_generation&utm_source=loveth-article]Who Is A Policyholder In Health Insurance?[/url]

As the Policyholder…
As the policyholder of your health insurance plan, you have certain rights and responsibilities. It’s important to understand what these are so that you can get the most out of your health insurance coverage.

Some of your rights as a health insurance policyholder include:

-The right to know what your health insurance plan covers

-The right to know what your responsibilities are under your health insurance plan

-The right to appeal decisions made by your health insurance company

-The right to change your health insurance plan if you’re unhappy with it

-The right to know what providers are in your health insurance network

-The right to get quality care when you need it


Some of your responsibilities as a health insurance policyholder include:

-Paying your premiums on time

-Keeping track of your medical expenses

-Notifying your health insurance company of any changes in your personal information or status (e.g., address change, marriage, birth of a child)

Being a responsible policyholder will help ensure that you get the most out of your coverage. Log on to [url=https://www.rohealth.ng/?utm_campaign=organic%20L%20traffic&utm_medium=content_generation&utm_source=loveth-article]rohealth.ng[/url] to sign up for health insurance for free!!

A policyholder is the person who buys a health insurance policy. The policyholder pays the premiums, and the coverage typically applies to them and any eligible dependents listed on the policy.

The policyholder and the insured person may be different in some cases. For example, if an employer provides health insurance as a benefit, the policyholder is the employer, and the insured are the employees. In most cases, however, the policyholder and insured are the same person.

Related Article: [url=https://rohealth.ng/rohealth-blog/knowing-your-rights-as-a-policyholder/?utm_campaign=organic%20L%20traffic&utm_medium=content_generation&utm_source=loveth-article]Knowing Your Rights As A Policyholder[/url]

Responsibilities of a Policyholder
As the policyholder, you are responsible for ensuring that your health insurance premiums are paid on time. If you miss a payment or make late payments, your health insurance coverage may be terminated.

As a policyholder, you are also responsible for any deductibles that may apply to your policy. A deductible is the amount of money you must pay out of pocket before your health insurance plan begins to pay for covered services. For example, if you have a N5000 deductible and go to the doctor for a N1000 bill, you must pay the entire N1000 because it has not yet met your deductible.

It's also important to understand that just because you have a policy doesn't mean you're automatically covered by your health insurance plan. You must also be an eligible insured person on the plan to be covered.

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Exclusions in health insurance refer to services, treatments, or conditions that are not covered by a specific insurance plan. The policy contract usually includes a list of exclusions. If you have health insurance, you should be aware of what is not covered so that you can plan and budget accordingly.

A health insurance policy may include a variety of exclusions. Some common include:

- Pre-existing conditions: Pre-existing medical conditions are typically excluded from most health insurance policies. A pre-existing condition is defined as any condition for which you received treatment or a diagnosis within a specific time period prior to enrolling in the health insurance policy. The waiting period varies by insurer, but it is typically between 6 and 12 months.

- Elective procedures: Many health insurance policies do not cover elective procedures like cosmetic surgery. Any procedure that is not medically necessary to treat a disease or condition is considered elective.

- Experimental treatments: Health insurance policies will also typically exclude coverage for experimental treatments, which are defined as any treatments that have not yet been widely accepted as safe and effective by the medical community.


It is important to note that some services excluded in some plans may be included in other plans. It is therefore important to compare plans side-be-side to know which one benefits you.

If your health insurance policy excludes services that you might want, you can always opt-in for additional coverage.

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Ahead of World Polio Day on Monday, 24th October, it is important to have a basic understanding of polio and how health insurance comes into play in the treatment of polio.

Poliomyelitis, commonly shortened to polio, is an infectious disease caused by the poliovirus. Nigeria is unfortunately one of the three countries in the world where polio is endemic— the other two being Afghanistan and Pakistan.

According to the World Health Organization, Polio (poliomyelitis) mainly affects children under 5 years of age, and one in 200 infections leads to irreversible paralysis. Among those paralysed, 5–10% die when their breathing muscles become immobilized.

What is Polio?
Poliomyelitis, also known as polio, is a crippling and potentially fatal disease. It is spread through contact with contaminated food or water, or through contact with an infected person.

The virus attacks the nervous system, and can cause paralysis or even death.

Cause
Poliomyelitis is caused by infection with the poliovirus (PV). This group of RNA viruses colonize the gastrointestinal tract– specifically the oropharynx and the intestine. The incubation time (from the first signs and symptoms) ranges from three to 35 days, with a more common span of six to 20 days.

Symptoms
The symptoms of polio can vary from mild to severe. In most cases, the virus does not cause any symptoms at all. However, in some cases, the virus can cause flu-like symptoms such as fever, fatigue, headaches, and vomiting. In more severe cases, the virus can cause paralysis of the arms or legs. In very rare cases, the virus can lead to death.

Even children who seem to fully recover can develop new muscle pain, weakness, or paralysis as adults, 15 to 40 years later. This is called post-polio syndrome.

Why Health Insurance Is Important In The Treatment Of Polio
Although there is a vaccine for polio, there is no cure.

Therefore, the only way to treat polio is through intensive and expensive physiotherapy. This treatment must be started as soon as possible after the onset of symptoms. The earlier the treatment starts, the better the chances of recovery.

In Nigeria, where polio is endemic, many families cannot afford the cost of treatment. This is where health insurance comes in. Health insurance can help cover the costs of treatment. Health insurance covers all or part of the associated treatments so that families don’t have to bear the burden alone.

Sign up for free on selfcare.rohealth.ng to have access to vaccines and treatments necessary to fight this infectious disease!!

There is currently no "cure" for dementia. In fact, because dementia is caused by different diseases it is unlikely that there will be a single cure for dementia. According to NHS, research is aimed at finding cures for dementia-causing diseases.

Related article: Dementia: Knowing the Risk Factors

Causes Of Dementia
Dementia is a broad term that describes a decline in mental ability that is severe enough to interfere with daily life. There are different diseases that can cause dementia, many of which are associated with an abnormal build-up of proteins in the brain.

The most common cause of dementia is Alzheimer’s disease. Other causes include:

- vascular dementia

- Mixed dementia

- dementia with Lewy bodies

- frontotemporal dementia

Treatment
While there is no cure for dementia, symptoms and related conditions can be treated using medicinal and non-medicinal methods. Most (not all) of the prescribed medicines available are used to treat Alzheimer's disease as it is the most common form of dementia.

Non-medicinal treatments include cognitive stimulation therapy and cognitive rehabilitation

Treatment of dementia and related conditions can be quite expensive. This is where health insurance comes in. Health insurance helps with the payment of all or part of the medical expenses. That way you don’t have to bear the burden alone.

Log on to [url=https://selfcare.rohealth.ng/?utm_campaign=organic%20L%20traffic&utm_medium=content_generation&utm_source=loveth-article]selfcare.rohealth.ng[/url] to sign up for free!!

According to the [url=https://www.who.int/news-room/fact-sheets/detail/blindness-and-visual-impairment/?utm_campaign=organic%20L%20traffic&utm_medium=content_generation&utm_source=loveth-article]World Health Organization[/url], globally, at least 2.2 billion people have a near or distance vision impairment. In at least 1 billion – or almost half – of these cases, vision impairment could have been prevented or has yet to be addressed.

These statistics demonstrate that vision impairment affects millions of people worldwide. Despite this, many of those same people do not have health insurance that covers the cost of their condition's treatment. This can make it difficult, if not impossible, for them to obtain the treatment they require to maintain their health and quality of life.

People with vision impairment may be unable to obtain health insurance for a variety of reasons. Some people may be unable to afford it. Others may be unable to obtain coverage because their job does not provide it, or because they are self-employed. In some cases, people with vision impairment may be unaware that they are eligible for government programs such as [url=https://www.nhis.gov.ng/?utm_campaign=organic%20L%20traffic&utm_medium=content_generation&utm_source=loveth-article]NHIS[/url].

Whatever the reason, people with vision impairment must be aware of their health insurance options and obtain coverage. Having health insurance can help you afford the care you need to stay healthy and live your life to the fullest.

Causes of Visual Impairment
Globally, the [url=https://www.who.int/news-room/fact-sheets/detail/blindness-and-visual-impairment/?utm_campaign=organic%20L%20traffic&utm_medium=content_generation&utm_source=loveth-article]leading causes[/url] of vision impairment are:

- age-related macular degeneration

- cataract

- diabetic retinopathy

- glaucoma

- uncorrected refractive errors

How to Obtain Health Insurance
- Government-sponsored health insurance: The National Health Insurance Scheme (NHIS) is a government-sponsored health insurance program that covers Nigerians who cannot afford private health insurance. The NHIS provides basic medical coverage for hospitalization, surgeries, and other treatments. To be eligible for the NHIS, you must be a Nigerian citizen with a valid form of identification.

- Private health insurance: Several private health insurers in Nigeria provide health insurance plans for the visually impaired. Premiums for these plans are typically higher than government-sponsored plans, but they usually cover more services. Some private insurers will also offer extra benefits like travel insurance or discounts on eye care products and services. Visit rohealth.ng to get a list of private health insurers in Nigeria.

In a nutshell, the National Health Insurance Scheme (NHIS) is a government-sponsored program that provides basic medical coverage, and there are also several private insurers that offer more comprehensive plans. Be sure to compare all your options before choosing a plan so that you can find the best coverage for your needs.

Visit selfcare.rohealth.ng to sign up for health insurance today!!

Dementia is a broad term that describes a decline in mental ability that is severe enough to interfere with daily life. This can manifest as memory loss, language difficulties, problems with executive function (such as decision-making and planning), and changes in mood or behaviour.

While dementia is most commonly diagnosed in older adults, it is not a normal part of aging. According to the [url=https://www.who.int/news-room/fact-sheets/detail/dementia/?utm_campaign=organic%20L%20traffic&utm_medium=content_generation&utm_source=loveth-article]World Health Organization[/url], approximately 55 million people worldwide suffer from dementia, with nearly 10 million new cases diagnosed each year.

Dementia can have a significant impact on an individual's quality of life as well as the lives of their caregivers. Early detection is critical for managing the disease and preserving as much cognitive function as possible.

So, what are some of the risk factors for dementia? Keep reading to find out.

What Causes Dementia?
Unfortunately, there is not always a clear answer. Dementia can be caused by a number of different diseases and conditions, but the most well-known is Alzheimer’s disease, which accounts for 60-70% of cases. Other causes include Lewy body dementia, frontotemporal dementia, vascular dementia, and Parkinson's disease.

Taking Care Of People With Dementia
While there is no cure for dementia, there are ways to manage the condition and help people live fulfilling lives.

One of the most important things you can do if you have a loved one with dementia is to make sure they have access to quality health care. This includes regular health check-ups, health insurance, and any necessary medications.

Additionally, it's important to provide support and assistance with activities of daily living, such as eating, dressing, and bathing.

There are health insurance plans and supplemental policies that provide coverage for people with dementia. The plans could cover some or all of the following:

- Inpatient hospital care

- Skilled nursing facility care

- Home health care

- Hospice care

- prescription drugs

- dental and vision care

Sign up for free on [url=https://www.rohealth.ng/?utm_campaign=organic%20L%20traffic&utm_medium=content_generation&utm_source=loveth-article]rohealth.ng[/url] to search for plans that provide coverage for dementia

Risk Factors for Dementia
Although the causes of dementia are not yet fully understood, there are certain risk factors that have been identified. These include age, genetic

- Age
The greatest risk factor for dementia is age. According to the Alzheimer’s Association, the majority of people with Alzheimer’s are 65 or older. However, it’s important to note that younger people can also develop the disease. This is known as early onset Alzheimer’s.

- Family History
If you have a close relative—a parent or sibling—who has been diagnosed with dementia, your risk factor increases. According to the Mayo Clinic, individuals with a first-degree relative (parent or sibling) with Alzheimer’s are up to three times more likely to develop the disease than those without a family history.

- Genetic Factors
There are certain genetic mutations that can increase your risk for developing dementia. An example is the [url=https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3726719/?utm_campaign=organic%20L%20traffic&utm_medium=content_generation&utm_source=loveth-article]apolipoprotein E[/url] (APOE)gene which comes in three different forms—E2, E3, and E4. Having one copy of the E4 gene has been linked to an increased risk of developing late-onset Alzheimer’s.

However, it's important to keep in mind that having this gene does not guarantee that you will develop Alzheimer's; it just simply means that your risk factor is increased.

- Lifestyle Factors
As you get older, your lifestyle choices can have an impact on your cognitive health. Smoking, for example, has been linked to an increased risk of dementia. This is because smoking damages blood vessels and causes inflammation throughout the body, both of which can contribute to cognitive decline. Other lifestyle choices that have been linked to an increased risk for dementia include physical inactivity and excessive alcohol consumption.

- Environmental Factors
There are also certain environmental factors that may increase your risk for developing dementia. For example, air pollution has been linked to an increased risk of Alzheimer's disease. Additionally, traumatic brain injuries—even those that had occurred years or decades earlier—have also been linked with an increased risk for dementia.

Although rare, men can actually have breast cancer. In this article, we will learn about symptoms of breast cancer in men and things that may increase your risk.
Click here to find out more about breast cancer.

Types of breast cancer in Men
According to the Centers of Disease Control and Prevention, the most common kinds of breast cancer in men are the same kinds in women—

- Invasive ductal carcinoma: The cancer cells begin in the ducts and then grow outside the ducts into other parts of the breast tissue.

- Invasive lobular carcinoma: Cancer cells begin in the lobules and then spread from the lobules to the breast tissues that are close by.

- Ductal carcinoma in situ (DCIS) is a breast disease that may lead to invasive breast cancer. The cancer cells are only in the lining of the ducts, and have not spread to other tissues in the breast

Signs and Symptoms
The most common symptoms of breast cancer in men are:

- A lump or swelling in the breast.

- Redness or flaky skin in the breast.

- Irritation or dimpling of breast skin.

- Nipple discharge.

- Pulling in of the nipple or pain in the nipple area.

Keep in mind that these symptoms can also be caused by conditions other than breast cancer, so it’s important to see a doctor if you’re experiencing any of them.

Risk Factors
A man's risk of developing breast cancer can be increased by a number of factors. Having risk factors does not guarantee that you will develop breast cancer.

- Getting older.

- Genetic mutations.

- Family history of breast cancer.

- Radiation therapy treatment.

- Hormone therapy treatment.

- Klinefelter syndrome.

- Certain conditions that affect the testicles.

- Liver disease.

- Overweight and obesity.

Treatment
Treatment for breast cancer in men, like in women, is determined by the size of the tumor and the extent to which it has spread. Treatment may include:

- surgery

- Chemotherapy

- radiation therapy

- hormone therapy

- targeted therapy

Breast cancer is one of the world’s deadly killer diseases, knowing all there is to know about it is really important. Having health insurance is even more important in ensuring you have early and proper checkup, diagnosis, and treatment while maintaining your finances.

Get health insurance today by signing up for free on rohealth.ng!!

October is breast cancer awareness month, so it’s the perfect time to learn about this disease that affects so many women (and men) around the world.
Click here to find out how men can have breast cancer.

In this blog post, we’ll cover everything you need to know about breast cancer, from the signs and symptoms to the different types of treatment. By the end of this post, you’ll have a much better understanding of this disease and what you can do to prevent it.

What is Breast Cancer?
Breast cancer is a type of cancer that forms in the cells of the breasts. It is a disease in which cells in the breast grow out of control. There are different kinds of breast cancer and each kind depends on which cells in the breast turn into cancer.

Statistics
Globally:

According to the World Health Organisation, in 2020, there were 2.3 million women diagnosed with breast cancer and 685 000 deaths globally. As of the end of 2020, there were 7.8 million women alive who were diagnosed with breast cancer in the past 5 years, making it the world’s most prevalent cancer.

In Nigeria:

According to the International Journal of Breast Cancer, breast cancer is the most common cancer diagnosed among persons aged 15 to 39 years, constituting about 50% of all cancers in that age group. Among all breast cancer patients, the proportion of those aged 15-39 years is 30.58%.

Types of Breast Cancer
According to the Centers for Disease Control and Prevention, there are several different types of breast cancer, but the two most common are invasive ductal carcinoma and invasive lobular carcinoma.

* Ductal carcinoma starts in the milk ducts and is by far the most common type of breast cancer.

* Lobular carcinoma starts in milk-producing glands called lobules.

There are also less common types of breast cancer, such as inflammatory breast cancer and Paget disease of the nipple.


Signs and Symptoms of Breast Cancer
The most common symptom of breast cancer is a new lump or mass in the breast. This is often painless, but not always. Other symptoms may include:

- changes in the size or shape of the breast

- changes to the nipple (such as redness, scaliness, or discharge)

- a change in how the breast feels (such as heaviness, tenderness, or unusual pain)

- swelling in the armpit or around the collarbone

Keep in mind that these symptoms can also be caused by conditions other than breast cancer, so it’s important to see a doctor if you’re experiencing any of them.

Risk factors for breast cancer
According to research, breast cancer risk is caused by a combination of factors. Being a woman and getting older are two major risk factors. The majority of breast cancers are discovered in women over the age of 50.

Having a risk factor does not guarantee that you will get the disease, and not all risk factors have the same effect.

Risk Factors You Cannot Change

- Getting older.

- Genetic mutations.

- Reproductive history.

- Having dense breasts.

- Personal history of breast cancer or certain non-cancerous breast diseases.

- Family history of breast or ovarian cancer.

- Previous treatment using radiation therapy.

- Exposure to the drug diethylstilbestrol (DES).

Risk Factors You Can Change

- Not being physically active.

- Being overweight or having obesity after menopause.

- Some forms of hormone replacement therapy (those that include both estrogen and progesterone) taken during menopause

- Certain oral contraceptives (birth control pills) also have been found to raise breast cancer risk.

- Reproductive history.

- Drinking alcohol.

Treatment for Breast Cancer
The treatment for breast cancer will depend on several factors, including the type and stage of cancer, your age and overall health, and your personal preferences. The most common treatments are:

- surgery (lumpectomy or mastectomy)

- radiation therapy

- chemotherapy

- hormonal therapy

- Biological therapy

Breast cancer is one of the world’s deadly killer diseases, knowing all there is to know about it is really important. Having health insurance is even more important in ensuring you have early and proper checkup, diagnosis, and treatment while maintaining your finances.

Get health insurance today by signing up for free on rohealth.ng!!

Many people do not understand how their health insurance deductible works. This blog post will explain how health insurance deductibles work.

The deductible is the amount of money you must pay out of pocket before your health insurance plan begins to cover your covered medical expenses. For instance, if you have a N1,000 deductible and N3,000 in covered medical expenses, you would pay N1,000 and your health insurance would pay the remaining N2,000.

Types Of Deductibles
Deductibles are classified into two types: annual and per-incident.

- An annual deductible is the amount you must pay each year before your health insurance plan begins to cover your covered medical expenses.

- A per-incident deductible is the amount you pay before your health insurance plan begins to cover your covered medical expenses. For instance, if you have a N500 per-incident deductible and N3,000 in covered medical expenses for a specific illness, you would pay N500 and your health insurance would pay the remaining N2,500.

Most health insurance policies have both an annual and per-incident deductible. Some plans, however, may only have an annual deductible or a per-incident deductible. Check with your health insurance provider to see what kind of deductibles they have and how much they cost.

A few items do not count toward your health insurance deductible. Preventive care services, immunizations, some cancer screenings, and well-child visits are among them (for kids). Even if you haven't met your yearly deductible, most health insurance plans must cover these costs.

It is critical to remember that you must usually pay your deductible before your health insurance plan will begin to pay for any other medical expenses, such as co-pays and coinsurance.

Some plans may require you to meet your annual deductible before they will pay for anything else, whereas others may only require you to meet your annual deductible before they will pay for specific services such as hospitalization or surgery. Again, it is important to consult with your health insurance provider to determine their specific requirements.

We hope that this blog post was informative and helpful in explaining how health insurance deductibles work. If you have any further questions about your specific health insurance plan and deductibles, please reach out to us on [url=help.rohealth.ng]help.rohealth.ng.[/url]
To get health insurance, log on to rohealth.ng.

The National Health Insurance Scheme (NHIS) is a social health insurance program that provides financial risk protection against catastrophic medical expenses as well as access to essential health services. The National Health Insurance Commission (NHIC) oversees the program. This article will explain how the NHIS works and who is eligible for coverage.

How the National Health Insurance Scheme (NHIS) works:
The NHIS is financed through premiums paid by enrolled members and contributions from the Federal Government of Nigeria. Premiums are collected by health maintenance organizations (HMOs) on behalf of the NHIC.

There are two types of membership in the NHIS: Voluntary and Involuntary.

- Voluntary membership is open to all Nigerians who wish to enroll in the scheme.

- Involuntary membership is compulsory for all federal civil servants, their spouses, and dependent children; employees of companies with more than 50 workers; members of the armed forces; members of the police force; and prisoners.

Eligible members are given a health insurance card, which they can use to get healthcare from any NHIS-accredited provider. Public and private hospitals, clinics, and community health centers are examples of providers. Outpatient care, inpatient care, maternity care, immunizations, and other services are all covered by the scheme.

To get health insurance, log on to rohealth.ng to sign up for free!!

It is said that "health is wealth," and many people do not want to be sick, which is why they usually enroll in an accredited health insurance company.

HMO stands for Health Maintenance Organization. These are companies that offer people health insurance for a monthly, quarterly or annual fee.

Each HMO has a different strategy for their target audience. The HMO that a person chooses is determined by his or her health needs.

Most HMOs offer a health plan centred on the following categories:

- Personal plan: This is appropriate for individuals, families, senior citizens, and so on.

- Small and medium enterprise owners

- Corporate plan for other companies and organizations

List of accredited HMOs in Nigeria
There are so many HMOs in Nigeria. Here is a compiled list of some of the accredited HMOs in Nigeria:

- Hygeia HMO Limited

- Total Health Trust Limited

- Clearline International Limited

- Medi Plan Health Care Limited and

- Multi Shield Nigeria Limited and

- United Healthcare International Limited and

- Premium Private Health Trust Limited and

- International Health Management Services Ltd. and

- Expatcare Health International Limited and

- Songhai Health Trust Limited and

- Integrated Healthcare Ltd and

- Premier Medicaid Ltd and

- Managed Healthcare Services Ltd and

- Princeton Health Group and

- Maayoit Healthcare Ltd and

- Wise Health Services Ltd and

- Wetlands Health Services Ltd and

- Zenith Medicare Ltd and

- Defence Health Maintenance Ltd and

- United Comprehensive Health Managers Ltd and

- Healthcare Security Ltd and

- Strategic Health Planners Co. Ltd and

- Royal Health Maintenance Services and

- Prepaid Medicare Services Ltd and

- Cignet Health Limited and

- Fortecare Limited and

- GTI Healthcare Limited and

- Sterling Health Managed Care Services Limited and

- Health Partners Limited and

- Diamond shield health services limited and

- Oceanic Health Management Limited and

- Unic Health Managed Care Services Limited

Purchase health insurance from accredited health insurance companies by signing up for free at rohealth.ng

As the Nigerian health insurance sector evolves, there is a growing need for clarity and understanding of the various health maintenance organizations (HMOs) in operation. In this blog post, we will discuss HMOs in Nigeria, their key features, and how they operate.

What is an HMO?
A Health Maintenance Organization (HMO) is a type of health insurance policy that covers preventive care, doctor visits, and other medical services. An HMO plan, unlike traditional health insurance, covers a wide range of health services. The majority of HMO plans require you to choose a primary care physician (PCP) who will coordinate your care and refer you to specialists as needed.

What are the Key Features of an HMO Plan?
The key features of an HMO plan include:

- Coverage for preventive care and routine check-ups

- A designated primary care physician (PCP) who coordinates your care

- A network of participating providers

- Reduced out-of-pocket costs if you receive care from a participating provider

How do HMOs operate in Nigeria?
In Nigeria, HMOs are regulated by the National Health Insurance Scheme (NHIS). The NHIS was established in 2005 and it is responsible for the regulation of health insurance in the country. All HMOs operating in Nigeria must be registered with the NHIS.

In Nigeria, HMOs typically have a contracted network of hospitals and healthcare providers. When you visit one of these hospitals or healthcare providers, you will usually only be required to pay a co-payment, which is a set amount you pay for each visit.

HMOs will also reimburse healthcare providers for services rendered. The amount reimbursed is determined by the type of service provided and the HMO's agreement with the healthcare provider.

Types Of HMOs in Nigeria
There are two main types of HMOs in Nigeria – individual HMOs and group HMOs.

- Individual HMO plans are purchased by individuals or families.

- Group HMO plans are sponsored by employers and cover employees and their dependents.

Here at roHealth, we offer a wide range of individual and group HMO plans that can be customized to meet your specific needs. For more information about the various plans you can choose from or to get started with a quote, please visit rohealth.ng!

Advantages Of Using an HMO
In Nigeria, there are numerous advantages to using an HMO. These advantages include:

• Quality healthcare: One of the primary advantages of using an HMO is that it provides access to quality healthcare. This is due to the fact that all HMOs are required to register with the NHIS, which ensures that they meet certain standards.

• Cost-effectiveness: Another advantage of using an HMO is that it is less expensive than other types of health insurance. This is due to the fact that you will only be required to pay a co-payment for each visit to a healthcare provider.

• Convenience: Choosing an HMO over other types of health insurance can be more convenient. This is because you will typically only need to visit one location for all of your healthcare needs.

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Many factors can increase your chances of developing a health problem. Lifestyle choices, genetic predisposition, and exposure to certain environmental factors are some of these factors.

In this blog post, we will look at some of the most important risk factors for developing a health problem.

Lifestyle Choices
Lifestyle choices are one of the most significant risk factors for the development of a health problem. Poor diet, lack of exercise, and smoking are all risk factors for a variety of diseases. Poor diet and lack of exercise, for example, are significant risk factors for developing cardiovascular disease, whereas smoking is a significant risk factor for developing lung cancer. Obesity, diabetes, and high blood pressure can all be caused by these lifestyle choices.

Genetic Predisposition
Another major risk factor for developing a health problem is genetic predisposition. Certain genetic disorders can make people much more likely to develop specific diseases. People with Down syndrome, for example, have a higher risk of developing Alzheimer's disease later in life. Other genetic disorders that predispose people to certain diseases include sickle cell anemia (which increases the risk of developing pneumonia) and Huntington's disease (which increases the risk of developing dementia).

Environmental Factors
Certain environmental factors can also increase your risk of developing a health problem. For example, asbestos fibers can cause lung cancer, whereas harmful chemicals can cause liver disease. Furthermore, living in an area with poor air quality increases your chances of developing respiratory problems like asthma and bronchitis.

There are numerous factors that can increase your chances of developing a health problem. Some of these risk factors are under your control (for example, your lifestyle), while others are not (such as genetic predisposition). However, it is critical to be aware of all the different risk factors so that you can take precautions.

Health insurance is the surest way to be financially secured while taking care of your health and ensuring you get necessary medical checkups to prevent health problems.

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There are four types of health plans: managed care, fee-for-service, point-of-service, and high-deductible. Each type of health insurance has its own set of advantages and disadvantages, so it is essential to comprehend the differences before selecting a plan.

1. Managed care health plan
In Nigeria, managed care is the most common type of health insurance. Insurance companies control managed care plans, which aim to control costs by only paying for covered services. Typically, covered services are those provided by doctors who have a contract with the insurance company. Co-payments, which are set fees that you pay for each covered service, are common in managed care plans.

Advantage
Managed care plans have the advantage of having lower premiums than other types of health insurance.

Disadvantage
The disadvantage is that you may have to pay more out of pocket for services that your plan does not cover.

2. Fee-for-service plan

Managed care plans outnumber fee-for-service plans in Nigeria. You pay for each service you receive with a fee-for-service plan. Because there is no provider network, you can see any doctor you want.

Advantage
The benefit of fee-for-service plans is that you have greater freedom in selecting your doctors.

Disadvantage
These plans frequently have higher premiums and out-of-pocket costs than managed care plans.

3. Point-of-service plan

Point-of-service plans are similar to fee-for-service plans in that they include a provider network. You can see any doctor you want with point-of-service plans, but you will pay less if you use a doctor who contracts with the insurance company.

Advantage
The benefit of point-of-service plans is that they allow you to choose your doctors while still offering lower rates when you use in-network providers.

Disadvantage
These plans frequently have higher premiums and out-of-pocket costs than managed care plans.

4. High deductible health plans

In Nigeria, high deductible health plans are the least popular type of health insurance. You must pay for all of your medical expenses up to a certain amount under these plans before your insurance company will begin paying for any expenses.

Advantage
High deductible health plans have lower premiums than other types of health insurance.

Disadvantage
The disadvantage is that you may have to pay a significant amount of money out of pocket before your insurance kicks in.


A common type of managed care plan is an HMO plan. If you don’t have health insurance yet, a managed care plan may be the right choice for you as you can receive quality healthcare at a low premium cost.

To get insured, visit rohealth.ng!!

Navigating the world of health insurance is difficult enough - but if you or a loved one suffers from mental illness, finding a health plan that meets your needs can be even more difficult. This blog post will explain everything you need to know about selecting a health insurance plan that includes mental health coverage.

What is Mental Health Coverage?
Mental health coverage is insurance that helps to cover the costs of mental health services. This may include therapy, medication, and hospitalization. Most plans will cover some level of mental health services, but the type and amount of coverage will vary greatly between plans. That's why it's critical to do your homework and select a plan that meets your requirements.

Types of Mental Health Coverage
There are two types of mental health coverage: inpatient and outpatient.

- Inpatient care is for people who need to be hospitalized due to a mental illness. This may include people who are suicidal or are actively experiencing hallucinations.

- Outpatient care is for people who do not need to be hospitalized but still require some level of care. This may include people who see a therapist on a regular basis or who take medication for their mental illness.

What to Look for in a Plan
When looking for a health insurance plan that includes mental health coverage, make sure it covers the type of care you require. If you require inpatient care, make certain that the plan you select includes hospitalization. If you only require outpatient care, ensure that the plan includes therapy and medication.

Second, look at the plan's deductible and copays. Before you sign up for a plan, make sure you can afford the out-of-pocket costs.

Finally, see if there are any restrictions on how many visits or treatments you can have in a year. You don't want to be caught off guard when you really need it.

Choosing a health insurance plan that includes mental health coverage can be difficult, but it's critical to ensure that you have the coverage you require.

Make sure to do your research and select a plan that covers the type of care you require while remaining within your budget.

Visit rohealth.ng to purchase health insurance plans with mental health coverage!!

Heart disease is a leading cause of death in Nigeria. In fact, cardiovascular disease accounts for nearly 30% of all deaths in the country. While many risk factors for heart disease are well known—such as high blood pressure, high cholesterol, and diabetes—there are other, lesser-known factors that can also put you at risk. Here are four surprising factors that could put you at risk of a heart disease.

1. Smoking

We all know that smoking is bad for our health. However, many people don't realize just how dangerous it is. Smoking is a leading cause of heart disease, and it's also been linked to an increased risk of stroke. If you smoke, quit immediately. It's the best thing you can do for your heart.

2. Lack of Sleep

If you're not getting enough sleep, it could be putting your heart at risk. Studies have shown that people who sleep less than six hours at night are more likely to develop cardiovascular disease than those who sleep seven or eight hours at night. Don't let lack of sleep take a toll on your heart—make sure you're getting enough rest every night.

3. Stress

Standing up to speak in front of a large group of people, meeting deadlines at work, juggling family obligations—all of these things can cause stress. And while a certain amount of stress is normal, too much stress can lead to problems such as high blood pressure and an increased heart rate. If you're feeling stressed out, take some time for yourself to relax and unwind. Your heart will thank you for it.

4. Obesity

Carrying around extra weight puts strain on your heart and can increase your risk of developing cardiovascular disease. If you're obese, talk to your doctor about ways to lose weight safely and effectively. Losing even a few pounds can make a big difference for your heart health.


Making small changes in your lifestyle can have a big impact on your overall health—including the health of your heart.

Speaking of leading a healthy lifestyle, you should get health insurance to support your overall wellbeing.

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Being productive is essential for a successful career as a finance manager. Because you are always being pulled in different directions by expectations, this might be difficult. Deadlines must be met, clients must be met, your team must be managed, and many other things. Thankfully, there are a few things you can do to boost your productivity. Here are 6 tips:

1. Become organized:

This may seem like an obvious suggestion, but it is worth mentioning because it is important. When you are organized, you can keep track of deadlines, meetings, and other commitments more effectively. This will help you stay organized and avoid missing anything important. Using a planner or calendar to keep track of your commitments is one way to become more organized. Another option is to declutter your workspace so you can concentrate on the task at hand.

2. Set priorities:

Priorities allow you to focus your time and energy on the most important tasks. Make a list of all the tasks you need to complete first. Then, prioritize them. This will help you determine which tasks require your immediate attention and which can wait.

3. Take breaks:

Although it may seem counterintuitive, taking breaks can help you be more productive. Taking a break allows you to clear your mind and return to the task at hand with fresh eyes. Just don't take too long a break or get too distracted during it; otherwise, you'll defeat the purpose.

4. Automate Where Possible:

Many financial tasks can be automated using software applications. By automating these tasks, you can free up time for your staff to focus on other tasks. For example, when your company purchases health insurance for all employees, you can avoid the stress of paying multiple HMO accounts. Instead, use a platform like roHealth to manage multiple HMOs with a single account.

5. Effective delegation

Delegating tasks effectively is another way to boost productivity in your department. When delegating tasks, keep your employees' skills and experience in mind. You should also provide clear instructions and sufficient resources. If you delegate the task of preparing financial reports, for example, you should provide your staff with the necessary data and templates.

6. Make wise use of technology:

When it comes to productivity, technology can be a friend and a foe. Technology, when used wisely, can help you accelerate processes and improve communication within your department. Technology, on the other hand, can be a distraction if not used properly. If you allow your employees to use personal devices for work purposes, make sure there are clear guidelines in place.

Increasing the productivity of your finance department is critical to your company's success. You can achieve this goal by automating processes, effectively delegating tasks, and utilizing technology wisely. And remember, avoid the stress of paying multiple HMO accounts for staff health insurance. Instead, use a platform like roHealth to manage multiple HMOs with a single account.

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There are numerous factors to consider when it comes to health insurance. What type of protection do you require? What are you able to pay? Which company provides you and your family with the best plan? With so many options available, deciding where to begin can be difficult. That is why it is critical to comprehend what a good health insurance policy should include.

The Fundamentals of a Good Health Insurance Policy

Every good health insurance plan should cover the following: Inpatient and outpatient care, preventive services, maternity and newborn care, mental health and substance abuse disorder services, and prescription drugs. Of course, you may require or desire additional types of coverage, but these are the fundamentals that every plan should include:

Inpatient Treatment
Inpatient care is provided when you are admitted to a hospital or other type of facility for the night. This could range from surgeries to cancer treatment. If you have a chronic condition that necessitates frequent hospitalizations, make sure your health insurance plan covers these expenses.

Outpatient Care
Outpatient care is care that you receive without being admitted to a hospital. This can include everything from doctor's appointments to physical therapy. Most health insurance plans will cover some or all of the costs of outpatient care.

Preventive Services
Preventive services are screenings and tests that help identify problems early, when they are most treatable. This can include everything from cancer screenings to immunizations. Most health insurance plans must cover certain preventive services without charging a copayment or coinsurance.

Maternity and Newborn Care
One of the basics of a good health insurance policy is maternity and newborn care. This coverage can help to pay for prenatal care, delivery, and postnatal care for both mother and child. In addition, it can also help to cover the cost of any complications that may arise during pregnancy or childbirth.

Mental health and substance abuse disorder services
Mental health and substance abuse disorders can be as debilitating as physical illnesses, and they frequently necessitate professional help. Make sure your health insurance policy covers mental health and substance abuse treatment.

Prescription drugs
A good health insurance policy should cover prescription drugs. Prescription drugs can be prohibitively expensive, despite the fact that they are frequently necessary for our health and well-being. Because most health insurance policies have a cap on how much they will pay for prescriptions, it is critical to select a policy with a strong prescription drug benefit. Some policies also have limits on the number of prescriptions that they will cover, so read the fine print before enrolling in a policy.

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You may have heard the terms "health insurance plan” and “health insurance policy" used interchangeably, but there is a distinction between the two. A health insurance plan is a detailed outline of the coverage that an insurer will provide to a customer, whereas a health insurance policy is the contract or document that outlines the terms of the agreement between an insurer and a customer. In this blog post, we’ll look more closely at the distinction between a health insurance plan and a policy.

Health Insurance Plan
A health insurance plan is a type of coverage that assists in the payment of medical expenses. It describes the coverage that an insurer will offer to a customer. This includes information on the coverage’s various benefits, limitations, and exclusions.

There are four types of health insurance plans: HMOs, PPOs, EPOs, and POS plans.

- The most common type of health insurance plan is an HMO, which requires you to use in-network providers and has lower monthly premiums.

- PPO plans have higher monthly premiums, but allow you to see providers outside your network.

- EPO plans are like PPO plans in that they do not cover out-of-network providers.

- POS plans are a hybrid of HMO and PPO plans; they require you to use in-network providers but also allow you to see out-of-network specialists if your primary care physician refers you to them.

Health Insurance Policy
A health insurance policy is the actual agreement between you and your insurer outlining what they cover under your plan. Your policy will specify which benefits and services are covered, as well as which are not. The policy also includes the premium amount, start date, and duration of coverage, as well as any riders or amendments to the original policy.

It’s essential to read your policy so that you understand what’s covered before you need to use your coverage.

One of the most essential aspects of a health insurance policy to keep in mind is that it is a legally binding contract. This means that both parties are required to follow the terms of the contract. If an insurer cannot provide the promised coverage or a customer cannot pay their premiums, they may face legal action.

Now that you’re aware of the distinction, make sure you comprehend both your plan and your policy before enrolling in any health insurance program.

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In today's fast-paced world, it's easy to forget about the importance of having a health insurance policy for your family. But the truth is, having a good health insurance policy is one of the best things you can do for your family, and what better way is there to get health insurance for your family than to use roHealth?!

In fact, roHealth is currently offering free health check-ups in any hospital near you. Visit selfcare.rohealth.ng to sign up.

Here are the top 10 advantages of getting health insurance for your family

1. Health insurance protects you from high medical costs: Treating a serious illness or injury can be very expensive. A good health insurance policy will cover the majority of your medical expenses, so you don’t have to worry about breaking the bank to get the care you need.

2. A health insurance policy gives you peace of mind: Knowing that you and your family are protected financially in the event of a health emergency can help you sleep better at night.

3. Health insurance can save you time and hassle: If you have a good health insurance policy, you won’t have to spend hours on the phone trying to get approval for medical treatment or worrying about how you’ll afford it.

4. A health insurance policy gives you access to better quality care: With a good health insurance policy, you can choose the doctor or hospital you want without worrying. You also get access to better doctors and hospitals if you don’t already have one in mind.

5. Health insurance can help you stay healthy: Many health insurance plans offer preventive care benefits, such as free immunizations and screenings, which can help catch potential problems on time, when they’re easier and less expensive to treat.

6. A health insurance policy can smooth out financial bumps in the road: If something happens and you need to take time off work to recover, your health insurance will help pay your bills while you’re out of commission.

7. Health insurance is essential if you have a chronic condition: If you or anyone in your family have diabetes, heart disease, or another chronic condition, having a good health insurance policy is essential to making sure the medication is affordable and the treatment needed to stay healthy is provided.

8. A health insurance policy can cover your entire family: Most policies will cover your spouse and dependent children at no extra cost, so it’s a great way to keep everyone in your family healthy and protected financially.

9. Health insurance is not as expensive as you think: A common misconception about health insurance is that it is unaffordable. There are actually health plans that are cheaper than you imagine. Just do your research and you will definitely find the perfect one that fits your budget. You should use the roHealth platform to help ease your search. On roHealth you can compare health plans side-by-side to easily find the one that best suits you and your family.

10 . You never know when you’ll need it: No one knows when they or a loved one will get sick or injured, so it’s important to have protection just in case.

Now that you know the advantages of getting health insurance for your family, you shouldn’t hesitate to make sure they are medically covered.

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The National Health Insurance Scheme (NHIS) was introduced in Nigeria in 1999 and launched in 2005 to ensure quality and affordable health care for all Nigerians. NHIS is a social health insurance system managed by the Federal Ministry of Health. Health care services are provided under the scheme by Nigerians contributing a certain amount each month.
The purpose of this blog post is to discuss the benefits of the National Health Insurance Scheme

The Advantages of the National Health Insurance Scheme
- Protection against expensive medical bills: It helps to protect people against the financial risk of expensive medical bills. This is important because medical care can be very costly, and many people cannot afford to pay for it themselves. When you are a member of the scheme, you will only have to pay a copayment fee for certain health services, and in some cases, you may not have to pay anything at all. For example, if you need to see a doctor for a consultation, you will only have to pay 10% of the consulting fee if you are an NHIS member. This is much lower than the consultation fee, which could be as high as 30% if you do not have insurance.

- Access to quality healthcare: With the NHIS, you can receive treatment at any accredited hospital or clinic. This means that you will receive high-quality medical care from trained professionals. The scheme ensures that accredited health facilities meet certain standards in terms of the quality of care they provide.

- NHIS contributes to improving maternal and child health outcomes: One of the key benefits of the scheme is free maternity care for all pregnant women. The scheme covers the cost of delivery, antenatal care, and postnatal care for pregnant women, as well as the cost of immunizations and treatment for young children. The NHIS has helped to reduce the number of maternal and child deaths in Nigeria, and it has also helped to improve the quality of care for pregnant women and families with young children

- Affordable premiums: The NHIS offers highly affordable premiums, making it accessible to low-income earners. In addition, the NHIS offers discounts on health insurance premiums for members who participate in healthy lifestyle activities.

- It helps to promote preventive healthcare: When people have health insurance, they are more likely to visit the doctor for regular check-ups and screenings. This is important because it helps to detect health problems early and prevent them from becoming worse. For example, if you have diabetes, regular check-ups can help to prevent complications such as heart disease or stroke.

- Covered services: The NHIS covers a wide range of medical services, from doctor's visits to laboratory tests and X-rays. The NHIS also covers the cost of medications and hospitalisation.

- Coverage for pre-existing conditions: The NHIS covers pre-existing conditions, so you can get the treatment you need even if you have a chronic illness. This means that all residents of Nigeria can access quality healthcare, regardless of their medical history.

- Discounts on medication: By being a member of the NHIS, you can enjoy discounts on your medication at participating pharmacies. In order to enjoy these discounts, you will need to present your NHIS card when you make your purchase.

- Peace of mind: With health insurance, you can rest assured knowing that you and your family are covered in case of an emergency.

All Nigerians should have health insurance to improve their health. Enrolling in health insurance is essential if you don't already have one.

Get affordable health insurance for you and your family by visiting rohealth.ng.

With rohealth, you can compare health insurance plans offered by a variety of insurance companies. These benefits are available to you at a cost that is affordable so that you can save on healthcare while still getting quality care.

Visit selfcare.rohealth.ng to pick a health insurance plan today!

Have you ever questioned the operation of group health insurance? You're not alone. In this post, we'll give you a crash course in all things group health insurance. By the end, you'll have a better understanding of how these plans work.

What is a group health insurance plan?
A group health insurance plan is a type of insurance that is bought by an employer and provided to employees at a reduced rate; in this case, the employer is typically responsible for paying a portion of the premium and the employee pays the remaining amount through payroll deduction. Employers will occasionally pay the full cost of premiums in some circumstances. Considering that these plans are frequently more comprehensive than individual health insurance plans, employees can feel secure knowing they and their families are covered in the event of illness or injury.

What Are the Benefits of Group Health Insurance?
There are a number of advantages to having group health insurance, both for employees and employers.

- First, group health insurance plans tend to be more affordable. This is because the risk is spread out among the members of the group, making it less expensive for everyone involved. This makes them an attractive option for small businesses that may not be able to afford to offer health benefits otherwise.

- Employees with group health insurance typically have lower out-of-pocket costs than those who purchase individual plans. This is because groups can negotiate better rates with providers due to their large size.

- Additionally, these plans often have more comprehensive coverage than individual plans, which means that employees will be covered for a wider range of services. For example, many group health insurance plans cover preventive care, such as routine doctor's visits and screenings, which can help you stay healthy and catch any potential health problems early on.

- Having group health insurance can be a major selling point for attracting top talent to your organization. In today's competitive job market, offering a comprehensive benefits package is often the deciding factor for many job seekers.

- Having group health insurance can give you peace of mind in knowing that you and your family are protected in case of a medical emergency. No one knows when they might get sick or injured, so it's important to have a plan in place so that you're not left with a hefty bill that you can't afford to pay.

- Group health insurance plans can be a great way to provide employees with comprehensive coverage at an affordable price. If you're an employer considering offering health benefits to your employees, a group health insurance plan is definitely worth considering. Not only will it save you money in the long run, but it will also help you attract and retain the best talent. If your employer offers a group health insurance plan, be sure to sign up so that you and your family are protected in case of a medical emergency.

How To Choose The Right Group Health Insurance Plan
Choosing the right group health insurance plan can be a challenge, especially for small businesses. There are many health insurance providers in Nigeria, each with their own network of healthcare providers, and it can be confusing and stressful to try to figure out which HMO to patronize.

That's where roHealth comes in. The roHealth app is one of the best resources for finding affordable staff health insurance that meets the needs of businesses and their employees, no matter the size or distribution of staff in the organization.

What are some of the other benefits of using roHealth?
With the roHealth app, you can find and compare health insurance plans from a variety of options available to choose from. With its easy-to-use interface and comprehensive list of options, the roHealth app makes the process of providing your staff with quality health insurance a whole lot easier!

In just a few quick and easy steps, you can set up a company profile and start comparing plans. Next, you fund your company wallet easily and set a budget for each employee. Finally, you upload your staff list and invite your employees to choose their preferred health plan!

In addition to the ability to find and compare health plans, roHealth also offers several other features and benefits that can be helpful for companies. For example, roHealth can help you track your staff health insurance usage so you only pay for what is used.

The roHealth app also offers your employees second-to-none flexibility with the ability to switch easily between over 20 HMOs and 200 different health plans whenever the need arises.

You can be sure the roHealth app can help you save time and money on your mandatory staff health benefits.

Get started today and see how roHealth can help you provide the best health care for your employees.

Frank had always been a bit of a risk taker. He loved the excitement of living life on the edge, and when the economy in Nigeria started to tank, he knew it was time to leave. So, he decided to travel to Canada in the hopes of finding better opportunities.
He wasn't prepared for how difficult it would be to get settled in a new country, though. Job prospects were scarce and he quickly found himself running out of money.

One day, Frank fell seriously ill and had to go to the hospital. The medical bills were astronomical and he soon realised that he didn't have enough money to cover them. To know more about what happened to Frank click here


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Oftentimes, Nigeria has been termed by many as a country with questionable healthcare. Therefore making the role of Health Management organisation very important. The duty of HMOs as they are often called is to provide or coordinate comprehensive health care for specific people in a society. They do this by contracting with hospitals, doctors, and other healthcare providers to provide services to their members at an agreed-upon price. HMOs also typically offer preventive care services and health education programs to their members.
Nigeria’s HMOs play an important role in ensuring that the population has access to quality health care. Most especially in rural areas with limited access to medical facilities and trained personnel. By providing health care services and raising awareness about important health issues, these HMOs play a vital role in improving the wellbeing of the Nigerian people.

There are three main types of HMOS in Nigeria:

1. Community-based HMOS are grassroots organisations that are typically run by volunteers. They provide basic health care services to their communities and work to raise awareness about health issues.

2. Insurance-based HMOS are businesses that offer health insurance products to individuals and families. These products typically cover hospitalisation, outpatient care, and prescription drugs.

3. provider-based HMOS are businesses that own or manage hospitals, clinics, and other health care facilities. These organisations often have their own insurance products that they sell to customers.

What Services Do HMOs Provide?
HMOs provide a wide range of services to their members. These services can be divided into three main categories: medical care, preventive care, and health education.

- Medical care refers to the treatment of illness and injury. This can include everything from primary care (e.g., annual checkups) to specialty care (e.g., cardiology). HMOs contract with hospitals and individual physicians to provide these services to their members.

- Preventive care refers to measures taken to prevent illness and injury before they occur. This can include things like immunizations, screenings, and counselling. For example, an HMO might offer its members discounts on gym memberships as part of a wellness program.

- HMOs also provide health education programs to their members. These programs are designed to help people make healthy lifestyle choices and manage chronic conditions. For example, an HMO might offer a smoking cessation program or a diabetes management program.

The services that HMOs provide can vary depending on the specific organisation. Some HMOs offer more comprehensive coverage than others. It’s important to research different HMOs before enrolling in one so that you can find an organisation that best meets your needs.

Do You Need an HMO?
Honestly, asking if you need an HMO is as good as asking if you need healthcare. Everyone who seeks quality healthcare at an affordable price needs an HMO.

The sole aim of Health maintenance organisations is ensuring that their members have access to quality healthcare. They do this by contracting with hospitals, doctors, and other healthcare providers to provide services to their members at an agreed-upon price; offering preventive care services; and providing health education programs.


Now that you know these things, the thought of enrolling for health insurance should be added to your to-do list, make sure to do a thorough research on organisations that fit your budget and needs. You can start by visiting rohealth.ng.
A list of the various health plans offered by Nigeria's top HMOs is available on the platform. Feel free to choose the one that best suits your needs.

Sign up for free today at rohealth.ng

Health insurance is vital for Nigerians with arthritis. You never know when you might need to see a doctor or have an unexpected hospital stay. The right health insurance policy can help cover the costs of medically necessary treatments and surgeries.

When arthritis flare-ups hit, they can cause serious pain and mobility problems. If you have arthritis, you know how important it is to have a good health insurance plan in place. There are a lot of health insurance companies out there, and it can be tough to know which one is right for you. That's why we've put together this guide on buying health insurance for arthritis in Nigeria. We'll cover everything you need to know, from what to look for in a policy to the types of coverage that are available. By the end of this guide, you'll be armed with the knowledge you need to make the best decision for your health and your wallet.

What Is Arthritis?
Arthritis is a common condition that causes pain and stiffness in the joints. There are many different types of arthritis, but the two most common are osteoarthritis and rheumatoid arthritis. Osteoarthritis is caused by the wear and tear of the cartilage that covers the joints. Rheumatoid arthritis is an autoimmune disorder that causes inflammation of the joints.

Both types of arthritis can be painful and debilitating. Symptoms include joint pain, stiffness, swelling, and decreased range of motion. In severe cases, arthritis can lead to joint damage and disability.

The good news is that there are many treatments available that can help manage the pain and improve quality of life. However, these treatments can be expensive. That's why having a good health insurance plan is so important for people with arthritis.

Types of Coverage Available for Arthritis Patients in Nigeria
There are two main types of coverage available for Nigerians with arthritis: private health insurance and government-sponsored health insurance.

Private health insurance is typically more expensive than government-sponsored health insurance, but it often provides more comprehensive coverage. Government-sponsored health insurance is usually less expensive, but it might not cover all of the treatments you need.

Private health insurance plans are available through employers, families, and individuals. Government-sponsored health insurance plans are available through programs like NHIS

Types of Health Insurance Plans for People with Arthritis
There are many different types of health insurance plans available in Nigeria. Some plans are better than others for people with arthritis. Here are three of the best options:

1. HMO Plans: HMO plans are one of the best options for people with arthritis. With an HMO plan, you will have a network of doctors and specialists that you can see for your care. You will need to get a referral from your primary care doctor in order to see a specialist. HMO plans also typically have lower out-of-pocket costs than other types of plans.

2. PPO Plans: PPO plans are another good option for people with arthritis. With a PPO plan, you will have a network of doctors and specialists that you can see for your care. Unlike an HMO plan, you will not need a referral from your primary care doctor to see a specialist. PPO plans typically have higher out-of-pocket costs than HMO plans but they also offer more flexibility in regards to which doctors you can see .

3."Arthritis Specific" Insurance Plans: There are also some "arthritis specific" insurance plans available in Nigeria. These types of plans offer coverage for treatments related to arthritis such as medication, physical therapy, and surgery. Some "arthritis specific" insurance plans also cover alternative therapies such as acupuncture and massage therapy

What to Look for in a Health Insurance Policy for Arthritis in Nigeria
When you're shopping for health insurance, there are a few things you should keep in mind.

- Consider Your Budget: One of the most important things to consider when choosing a health insurance plan is your budget. Make sure to consider both the monthly premium and the out-of-pocket costs associated with each plan before making your decision. There are a variety of different health insurance plans available at different price points. It's important to find a plan that fits into your budget and provides the coverage you need. You can get quotes on different health insurance prices on the roHealth app.

- Make sure the policy covers medically necessary treatments for arthritis: These might include things like doctor's visits, physical therapy, and prescription medications. Make sure to choose a plan that covers those services. If you're considering surgery, make sure to check if the procedure is covered under any of the plans. Also, keep in mind that some "arthritis-specific" insurance plans may not be accepted by all doctors or hospitals. It's important to carefully read the fine print of any health insurance policy before enrolling so that you know exactly what is and isn't covered.

- Consider the network of doctors and hospitals: It's also important to make sure the policy has a good network of doctors and hospitals. This will help ensure that you can get the care you need without having to travel far or pay out of pocket. The size and scope of the network can vary significantly from one insurer to the next, so it's important to do your research before you purchase a policy. You can usually find this information on the rohealth app or by visiting help.rohealth.ng. Once you've found a few policies that meet your needs, you can compare their networks side-by-side to see which one offers the best coverage.


Be sure to compare premiums, deductibles, and copayments before making a decision. These can all vary depending on the policy, so it's important to find one that fits both your needs and your budget. Premiums are the monthly payments made to the insurance company in exchange for coverage, while deductibles are the amount of money you must pay out-of-pocket before your insurance coverage kicks in. Copayments are the fixed fees you pay for medical services once your deductible has been met. By comparing these three factors, you can make an informed decision about which policy is right for you.

Arthritis is a serious condition that requires treatment by a healthcare professional. There is no one-size-fits-all solution when it comes to choosing the right health insurance policy for arthritis patients in Nigeria—the best policy for you will depend on your individual needs and budget. But by doing your research and knowing what to look for, you can find a policy that will help ensure you get the care you need without breaking the bank.

Visit www.rohealth.ng and let's guide you through.

According to the World Bank, Nigeria is home to the second largest number of people living in extreme poverty after India – 86 million in 2013, a 69% increase from 1990 (World Bank, 2017). It significantly underperforms key health outcomes such as life expectancy, maternal mortality, and child health compared to regional and lower-middle-income averages.

Let’s explore the landscape of health insurance in Nigeria and highlight the various benefits that come with having proper health insurance coverage.

What is Health Insurance?
Health insurance is a type of insurance that covers the cost of an individual's medical and surgical expenses. It can either be provided by the government or purchased by individuals from private insurance companies. Health insurance protects policyholders from high medical costs by reimbursing them for a portion of their medical expenses.

Types of Health Insurance in Nigeria
There are three types of health insurance in Nigeria: private health insurance, social health insurance, and community-based health insurance.

1) Private Health Insurance: This type of health insurance is provided by private insurance companies and covers individuals and families who pay premiums to the insurer. Coverage varies depending on the insurer, but typically includes hospitalization, surgeries, and prescription drugs. Some policies may also cover outpatient care, preventive care, and dental care.

2) Social Health Insurance: This type of health insurance is provided by the government and covers formal sector employees, including civil servants and workers in the organized private sector. Coverage includes access to essential medicines, immunizations, family planning services, maternal and child health services, laboratory services, and more.

3) Community-Based Health Insurance: This type of health insurance is designed to cover informal sector workers who are not eligible for social health insurance. It is usually managed by NGOs or community-based organizations (CBOs) on behalf of its members. Coverage typically includes outpatient consultations, hospitalization, maternity care, immunizations, and access to essential medicines.

Benefits of Having Health Insurance
There are many benefits that come with having proper health insurance coverage. Some of these benefits include:

- Financial Protection: Perhaps the most obvious benefit of having health insurance is that it protects you from high medical costs. When you have health insurance, you don't have to worry about how you will come up with the money to pay for unexpected medical expenses because your insurer will reimburse you for a portion of your medical expenses.

- Improved Access to Healthcare: Another benefit of having health insurance is that it gives you improved access to healthcare services. This is because with health insurance comes reduced out-of-pocket expenses on healthcare services. When you don't have to worry about how much a particular procedure will cost you out-of-pocket, you are more likely to seek early treatment for diseases and conditions before they become more serious (and more expensive).

- Peace of Mind: Finally, having proper health coverage gives you peace of mind knowing that you and your loved ones are protected financially in case of an unexpected illness or injury.

Purchasing Health Insurance in Nigeria
If you don't already have health insurance coverage in Nigeria, there are a few things you need to take into consideration before purchasing a policy.

Firstly, decide which type of policy best suits your needs (private health insurers offer different packages with different coverage levels).

Secondly, make sure that the insurer you choose is registered and licensed under the National Insurance Commission of Nigeria. You can check out licensed health insurance companies on www.rohealth.ng

Finally, make sure that the hospitals and clinics you visit regularly are included in your insurer's network so that you can enjoy reduced out-of-pocket expenses on healthcare services.

With these considerations in mind, purchasing a policy from a reputable insurer should be a fairly straightforward process.

A sure way to get health insurance is by signing up for free on www.rohealth.ng.