Table 20: - Distribution of lives covered under different programmes of NHIS
Programme
Public Sector (Worker under
employment of the federal
government
and
their
dependents, military and
police) Health Insurance
Community Based Health
Insurance
(Pregnant
Mothers and Children under
five NHIS-MDG/NHIS 6
LGAs in the 6 Zones) and
other community Social
Health
Insurance
Programmes
Number Covered
Principals = 853,537
Dependents = 1,610,408
Total = 2,463,945
Number expected
%
to be coveredCovered
870,956
98%
As communities
enroll
-
NHISMDG/NHIS=1,433,019
Isanlu = 2,000
Katsina = 17,200
Total = 1,452,219
Tertiary Health Insurance
382,415
As
Institutions
enroll
-
Road Transport
Insurance
1,900,000
As operators enroll
-
States Health Insurance
(Cross River and Bauchi)
Cross River = 41,060
Bauchi = 66,912
Total = 95,000
As states enroll
-
Private Health Insurance
500,136
As
enroll
-
Grand Total
6,806,687
Health
individuals
Suggested sources of funds to finance mandatory health insurance:
i. Contributions from formal sector employees (both public sector and private sector). These can be
arranged as a single pool or maximum of two pools
ii. Contributions from the formal informal sector. These include those employers who by nature of their
number do not qualify to be called Organised Private Sector based on the CAMD 1990, other
interested Nigerians, foreigners etc. These contributions will be pooled with the formal sector
contributions for maximum cross subsidy and to reduce adverse selection. Family enrolment is also
encouraged to further check adverse selection.
e) The Informal sector contributions, using CBHI model but pooled at the level of the LGA or state to
increase the pools and harness the advantages of economies of scale.
f) An equity fund to be established. This fund will be used to pay the contributions of the vulnerable
groups and the poorest of the poor in the society. It is proposed that this fund will be financed through
the following:
Sin tax – This includes taxes on goods with known deleterious effects on health. These include
cigarette tax, levies on alcoholic beverages etc.
Levies on mobile phone use
82