The inadequate programmers designed to address the numerous health problems in Nigeria has led to the little improvement in our health status. Overall life expectancy at birth in Nigeria is 54 years; infant mortality rates is 86 per 1,000 lives birth, while maternal mortality ratio is 840 per 100,000 lives birth, according to the World Health Organization (WHO) statistics. Besides, the continued neglect of the importance of addressing public health issues would make matter worse for poor Nigerians, most of who are at the receiving end. The question is, how can I or as a family benefit from health Insurance?
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| Poor health care services |
The greatest Asset, Health Insurance bestows is the absolute peace in case of most traumatic moments of one’s life. Health Insurance is an extremely helpful part of ones life. Plans that will benefit you at a minimal cost. It’s aims to protect your costs of medical assets as well as promote wellness and health. The Health Insurance is actually the fuel,allowing developed countries; the United Kingdom (UK), United State of America (USA), Canada, France and Spain etc, economies engine to keep running.
National Health Insurance Scheme
The National Health Insurance Scheme (NHIS), Decree in May, 1999. Enables every Nigerian to have access to good health Care Services. The health Insurance Scheme developed various programmed to cover different segment of the societies including:
- Formal sector social health Insurance program.
- Urban self-employed social health program.
- Rural community social Insurance program.
- Children under-age social Insurance program.
- Permanently disable persons social Insurance program.
- Prison inmate social Insurance program.
- Tertiary Institutions and voluntary participants.
- Armed Forces,Police and others uniforms services.
Health Insurance,lends security to all and everybody near you. Note that every company has an assortment of different plans that may or may not work for you. Most companies are also willing to work with you to determine your needs.
A single person’s plan has a smaller array of benefits and can be more tailored to the person it covers. A person that needs more expensive eye care coverage might eliminate some other options in order to afford a vision plan. This plan also costs less than a family plan simply because there is only one person to cover.
In three ways,you and your family can benefit from Health Insurance. These ways are:
Health Maintenance Organization
This is a monthly premium plan that states you must go to specific provider of health care on a list to have your Insurance cover it.
Point Service Plan
This is a plan where there is a network of doctors; However,if one refer you to another doctor in or outside the network, the Insurance will cover it. You can refer yourself to care outside the network but you will have to pay Insurance.
Preferred Provider Organization
This is similar to an Health Maintenance Organization (HPO), but in Point of Service Plan; you can go outside the list given to you, with much less coverage. Granted, when you go to one of your list, you retain your full coverage. Most Insurance companies have tier of coverage. The more coverage you get, the higher your premium goes.
The Health Insurance goal is to make it, so that you don’t pay an extreme amounts or a higher costs of medical care, whenever you get sick or injured it covered or indemnified.
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| Happy Family Life! |
Remember, human life can never be without a risk. The best way to deal with risks is to get insure. Buy protection, if not for yourself but your family.
Contact details: www.nhis.gov.ng
Find any NHIS office close to you.
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