Coverage & access
Plain-language orientation to NHIS, private HMO ideas, and zero-rating concepts. No claims, enrolment, or insurer APIs here.
NHIS orientation
Nigeria’s National Health Insurance Scheme (branding may vary by reform) pools risk so enrolled households pay predictable contributions for a defined benefit package.
Confirm current packages, premiums, and accredited facilities on official NHIS / authority channels before deciding.
Private HMO
Health Maintenance Organisations sell plans to individuals and corporates. Compare networks, exclusions, drug limits, and pre-authorisation rules.
This assistant does not recommend specific insurers.
Zero-rating & telco pilots
Zero-rating means mobile users are not charged data for selected apps or URLs — useful for rural reach when contracts exist with carriers.
Requires business and regulatory agreements; engineering alone cannot turn this on.
Official enrollment & directories
National scheme enrollment and accredited HMO listings are published by the National Health Insurance Authority (NHIA). Use the links below to register or compare options on the official site (opens in a new tab).
- NHIA website (overview)
- Get enrolled / enrolment form NHIS-style coverage is typically arranged through NHIA processes.
- Accredited HMO directory Lists licensed HMOs with contact details to help you choose a private plan.
- NHIA FAQs
We do not operate these pages. Always verify premiums, benefits, and accredited providers directly with NHIA or your chosen HMO before you pay or rely on coverage.
Using this app
AI Health Assistant is an education and triage support tool. It does not replace insurance membership cards, pre-authorisation, or hospital billing.