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Tulinde blog · Nigeria

Insurance in Nigeria: the blog

22 guides for Nigeria, from what the law requires to which insurer pays fastest — every fact linked to the regulator or the Act.

22 guides

Motor & vehicles · NigeriaHow to verify motor insurance on NIID (askniid.org and *565*11#)askniid.org → Check Policy, or dial *565*11#. What to do if your policy is not found.2 min read · Updated 31 October 2026Insurers & your rights · NigeriaAXA Mansard Insurance: licence, products, contacts and claimsComposite insurer LIC 021, 0700 AXAMANSARD, ccare@axamansard.com; motor claims documents; AXA Mansard Health HMO.2 min read · Updated 31 October 2026Health & life · NigeriaHMOs in Nigeria: the NHIA list (Reliance, Hygeia, Leadway Health, AXA Mansard Health, Avon…)94 entries on NHIA's list. Contacts of the most-searched HMOs, and what to check before you sign.3 min read · Updated 31 October 2026Health & life · NigeriaNHIA: the National Health Insurance Authority (formerly NHIS)The NHIA Act 2022 replaced NHIS and made health insurance mandatory for every resident.3 min read · Updated 31 October 2026Insurers & your rights · NigeriaLeadway Assurance: licence, products, contacts and claimsComposite insurer LIC 002, 0201 280 0700; claims acknowledged in 48 hours (its own timeline); Leadway Health HMO.2 min read · Updated 31 October 2026Health & life · NigeriaNHIA registration: how to enrol (individual, family, group, employer)GIFSHIP: ₦22,000 per person a year via Remita, ₦1,500 ID card, NIN for each enrollee. Employers: OPSSHIP.3 min read · Updated 31 October 2026Insurers & your rights · NigeriaAIICO Insurance: licence, products, contacts and claimsComposite insurer LIC 006, 0700 AIICONTACT, aiicontact@aiicoplc.com; AIICO Multishield HMO.2 min read · Updated 31 October 2026Home, business & travel · NigeriaNSITF registration and the Employees' Compensation SchemeRegister on ecsonline.nsitf.gov.ng, pay 1% of payroll monthly, verify certificates online; claims processed in 7 working days (NSITF).2 min read · Updated 31 October 2026
Insurers & your rights · NigeriaInsurance companies in Nigeria: the 2026 NAICOM list48 insurers (28 non-life, 12 life, 8 composite) and 2 reinsurers confirmed by NAICOM in 2026.2 min read · Updated 31 October 2026Insurers & your rights · NigeriaNAICOM and the Nigerian Insurance Industry Reform Act 2025 (NIIRA)NIIRA 2025 replaced the Insurance Act 2003; 48 insurers and 2 reinsurers passed the 2026 recapitalisation.2 min read · Updated 31 October 2026Motor & vehicles · NigeriaCar insurance in Nigeria: compulsory third-party cover, prices and your rightsThird-party is compulsory and priced by NAICOM (₦15,000 for a private car); comprehensive costs at least 5% of the car's value.3 min read · Updated 31 October 2026Motor & vehicles · NigeriaThird-party vs comprehensive car insurance in NigeriaThird-party pays other people, at a price NAICOM fixes; comprehensive also pays for your car, from 5% of its value.2 min read · Updated 31 October 2026Health & life · NigeriaHealth insurance in Nigeria: NHIA, HMOs and state schemesMandatory under the NHIA Act 2022; 10% employer + 5% employee; care managed by NHIA-accredited HMOs.2 min read · Updated 31 October 2026Health & life · NigeriaLife insurance in Nigeria: licensed life insurers, group life and your rights12 life insurers and 8 composites met NIIRA's capital rules; group life is compulsory for employers.2 min read · Updated 31 October 2026Health & life · NigeriaState health insurance schemes in Nigeria (LASHMA, FHIS, KSCHMA…)Section 13 of the NHIA Act: state schemes, free cover for vulnerable people, NHIA's list of state agencies.2 min read · Updated 31 October 2026Health & life · NigeriaGroup life insurance in Nigeria: what every employer must buyAt least 3× annual gross pay per employee, paid by the employer; the employer pays the claim itself if it did not insure.2 min read · Updated 31 October 2026Home, business & travel · NigeriaBusiness insurance in Nigeria: the covers the law requiresNSITF 1% of payroll, group life 3× pay, motor third-party, NHIA for 5+ staff — and how to check each.2 min read · Updated 31 October 2026Home, business & travel · NigeriaTravel insurance and the ECOWAS Brown Card in NigeriaEvery motor policy now includes an ECOWAS Brown Card at no extra cost; travel policies come from licensed insurers.2 min read · Updated 31 October 2026Insurers & your rights · NigeriaHow to complain about an insurer in Nigeria (NAICOM)Insurer first; then NAICOM at complaints@naicom.gov.ng with your policy, payment proof and claim form.2 min read · Updated 31 October 2026Insurers & your rights · NigeriaHow to check an insurer, broker or HMO in NigeriaNAICOM lists for insurers and brokers, NHIA for HMOs, askNIID for motor certificates.2 min read · Updated 31 October 2026Motor & vehicles · NigeriaThird-party and comprehensive car insurance price in Nigeria (NAICOM rates)Third-party from ₦3,000 (motorcycle) to ₦100,000 (truck); comprehensive at least 5% of the vehicle's value.2 min read · Updated 31 October 2026Home, business & travel · NigeriaNSITF contribution and group life minimum calculator (Nigeria)1% of total monthly payroll to NSITF; group life of at least 3 times each employee's annual total emolument.2 min read · Updated 31 October 2026
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