Photo: Omoeko Media, Wikimedia Commons, CC BY-SA 4.0NHIA registration
How to enrol (individual, family, group, employer)
- Enrol online: the NHIA Self Service Portal, linked as "Get Enrolled" from nhia.gov.ng (seen 31 October 2026).
- Choose an HMO: the NHIA list of accredited HMOs.
- Contact NHIA: info@nhia.gov.ng, +234 804 231 8888 (NHIA contacts).
5 chapters in one PDF, every source listed. Free, no sign-up.
Get the free PDFOn this page · 5 sections
Individuals and families (GIFSHIP)
- Go to an NHIA office in person, or submit the filled NHIA GIFSHIP enrolment forms with all requirements.
- Pay through the Remita platform. NHIA's wording: "Individuals pay sixty six thousand naira, which is twenty two thousand (22,000) naira for 3 people annually, and families pay Sixty Six Thousand (66,000) naira to a maximum of One Hundred and ninety eight-Thousand (198,000) naira annually". A family can enrol four to nine people, related by blood or living in the same household.
- Pay ₦1,500 for each NHIA ID card.
- Give the National Identification Number (NIN) of each enrollee.
- Choose your HMO and your health care provider.
Groups of 10 or more
A group of ten or more people, related or not, pays at least ₦220,000 a year for 10 people, then ₦22,000 per additional person. Online: collect the forms at an NHIA office, enrol and pay on Remita (or at the bank within 24 hours with the Remita Retrieval Reference). Offline: apply to NHIA with the group's name and list, pay on Remita and send the evidence of payment. Each enrollee gives a NIN and pays ₦1,500 for the ID card; the group chooses the HMO, each person the provider (NHIA).
Employers (Organised Private Sector)
- Write a letter of interest to NHIA.
- Send the current nominal roll and three months of verifiable salary schedules stamped by the bank.
- Pay into the NHIA Fund Account through Remita: at least 12 months of initial contribution as computed by NHIA. NHIA's page states the contribution as a ₦160,000 flat rate, or 10% (employer) and 5% (employee) where a staff member's salary is above ₦250,000, for the principal, a spouse and up to four children under 18.
- NHIA visits and enrols the employees, each with a NIN and a ₦1,500 ID card. The employer chooses the HMO; each employee chooses the provider.
- Expect up to 3 months before access to care; renew 3 months before expiry to avoid a new waiting period.
Source: NHIA, OPSSHIP registration requirements. Ask NHIA to confirm the amount it computes for your company before paying.
Already insured?
Next step
Frequently asked questions
How much is NHIA registration for an individual?
NHIA's GIFSHIP page quotes ₦22,000 per person a year (₦66,000 for three people), paid through Remita, plus ₦1,500 for each NHIA ID card.
What are the requirements for NHIA registration?
The GIFSHIP enrolment form, payment through Remita, ₦1,500 for the ID card and the NIN of each enrollee; then you choose your HMO and hospital.
How long before I can use NHIA after registering?
For the organised private sector programme, NHIA states a maximum waiting period of 3 months before access to care, and asks employers to renew 3 months before expiry to avoid a new waiting period.
Can my child above 18 use my NHIA cover?
No. NHIA's FAQ says children above 18 are not covered by a parent's contribution; tertiary students can join TISHIP or GIFSHIP.
Sources
- NHIA — Registration requirements for GIFSHIP (Group, Individual and Family Social Health Insurance Programme)
- NHIA — Registration requirements for the Organized Private Sector Social Health Insurance Programme (OPSSHIP)
- NHIA — Frequently asked questions (contributions, dependants, complaints)
- National Health Insurance Authority Act 2022 (Act No. 17, Official Gazette No. 95, Vol. 109, 24 May 2022) — NHIA gazetted copy
- NHIA Self Service Portal (enrolment), linked as "Get Enrolled" from nhia.gov.ng (seen 31 October 2026)