National Health Insurance Scheme (NHIS), Health Care Providers (HCPs), Health Maintenance Organizations (HMOs), Health insurance, Insurance scheme


The paper discussed the National Health lnsurance Scheme (NHIS) adopted by Nigeria for improved access to healthcare, especially to the low income earners. The objective of the study is to review developments ln the implementation of the Nigerian NHIS and determine whether its achieving its objectives. Specifically, the study focused on key issues and challenges confronting the NHIS, with a bid to proffer appropriate recommendations towards sustainability, effectiveness and efficiency. The study adopted a descriptive qualitative analysis methodology and found limited coverage, religious and cultural limitations, in-extensive prescriptions, conflict of interests (NHIS and HMOs), low participants' coverage, issues of mistrust, total government financing limitation as well as low budget allocation compared to need, as major issues confronting the achievement of quality healthcare delivery from the Scheme. lt proffered some recommendations which include: more private sector participation, governance right to HMOs on the Board of NHIS, creation of National Health lnsurance Fund and commencement of contribution from participants.

Author Bio

The authors are staff of the Research Department, Central Bank of Nigeria.

Publication Title

CBN Bullion







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