Overview

The National Health Insurance Scheme Act establishes the National Health Insurance Scheme in Nigeria, effective from 10 May 1999. The Act is structured into nine parts covering establishment, objectives, staff, finances, contributions, zones, arbitration, offences, and miscellaneous provisions. The Scheme aims to provide health insurance ensuring access to good quality and cost-effective health services for insured persons and their dependants, protecting families from financial hardship due to medical bills. It is a body corporate with perpetual succession. A Governing Council, appointed by the President on the Minister's recommendation, manages the Scheme. The Council includes representatives from the Federal Ministry of Health and other stakeholders. An Executive Secretary oversees staff, and an actuary may be appointed. Funds come from contributions, gifts, and other sources, with annual estimates and audits. Contributions are compulsory for employers and employees, and registration is required for employers, employees, health care providers, and health maintenance organizations. The Act establishes Zonal Health Insurance Offices to decentralize operations. Arbitration Boards at state and federal levels resolve disputes. Offences include non-payment of contributions, with penalties and legal proceedings. Contributions are inalienable and deductible. The Act provides for reciprocal agreements with other countries and covers members of the armed forces and police. A Standards Committee ensures quality. The Minister can issue directives and guidelines. The Schedule provides supplementary provisions for the Council.

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