NHIA & HMO health insurance guide 2026
For workers, families and employers in Nigeria: what the NHIA Act 2022 requires, how to register with NHIA, how to choose an HMO and what state schemes such as LASHMA offer.
No sign-up, no form: nothing about you is collected.
Who this guide is for
- You want to register yourself or your family with NHIA
- You are choosing an HMO or checking your hospital list
- You employ five people or more
What is inside: table of contents
The PDF puts together 5 guides of Tulinde Nigeria, word for word: each chapter opens with its short answer, then the full sections, the frequently asked questions and the date it was last reviewed. All 9 sources — the laws, the regulator and the official documents each fact comes from — are listed at the end, with their links.
- Health insurance in Nigeria: NHIA, HMOs and state schemes
Who does what · Who pays what · Private health insurance on top
Reviewed 31 October 2026 · 4 questions · 5 sources
- NHIA: the National Health Insurance Authority (formerly NHIS)
What the NHIA Act 2022 says · NHIA programmes · Contact NHIA and complaints
Reviewed 31 October 2026 · 3 questions · 6 sources
- NHIA registration: how to enrol (individual, family, group, employer)
Individuals and families (GIFSHIP) · Groups of 10 or more · Employers (Organised Private Sector)
Reviewed 31 October 2026 · 4 questions · 5 sources
- HMOs in Nigeria: the NHIA list (Reliance, Hygeia, Leadway Health, AXA Mansard Health, Avon…)
The HMOs people search for most · Reliance HMO · How to choose an HMO
Reviewed 31 October 2026 · 4 questions · 5 sources
- State health insurance schemes in Nigeria (LASHMA, FHIS, KSCHMA…)
What the Act asks of states · Some state agencies on NHIA's list
Reviewed 31 October 2026 · 2 questions · 3 sources
Look inside
Two pages of the PDF exactly as you will get it: the contents page and the first page of chapter 1.
Who writes it
Tulinde is an independent guide run by Takat AI. It is not an insurer, a broker or an agent, and it does not rank or rate insurers. Every fact comes from a primary source listed in the guide. Read how we check facts.