FREQUENTLY ASKED QUESTION
Q1: WHAT IS NATIONAL HEALTH INSURANCE SCHEME (NHIS)?
- ANS: National Health Insurance Scheme is a body corporate established under Act 35 of 1999, the Federal Government of Nigeria to ensure access to health care by all Nigerians at an affordable cost.
Q2: WHAT IS TISHIP?
- ANS: TISHIP stands for Tertiary Institutions Social Health Insurance Programme. It is designed for students in tertiary institutions.
Q3: WHO WILL BENEFIT FROM THE PROGRAMME?
- ANS: Students of tertiary institutions.
Q4: HOW DOES A STUDENT CONTRIBUTE?
- ANS: A student contributes by paying a premium of N2, 000.00 only per annum, at the point of registration.
Q5: OF WHAT ADVANTAGE IS THE PROGRAMME TO ME?
- ANS: Beneficiaries have easy access to health care without payment at point of treatment.
Q6: WILL IT COVER ME WHEN AM PREGNANT IN SCHOOL?
- ANS: Yes, for at least 2 live births.
Q7: WILL IT COVER MY CHILDREN/DEPENDANTS?
- ANS: No, but the new born child of the female students will be covered in the first 3months…
Q8: IS THERE A LIMIT TO THE TREATMENT I CAN RECEIVE?
- ANS: There is no limit as long as it is within the provision of the benefit package of the Scheme.
Q9: DO I HAVE TO PAY FOR DRUGS?
- ANS: No
Q11: DOES THE PACKAGE COVER DIAGONISTIC TESTS?
- ANS: Yes
Q12: WILL THERE BE A WAITING PERIOD BEFORE I CAN ACCESS CARE?
- ANS: No
Q13: WILL I PAY FOR LABORATORY/CLINICAL INVESTIGATIONS?
- ANS: No
Q14:WHAT HAPPENS TO MY CONTRIBUTION IF FOR A LONG PERIOD I DO NOT ACCESS HEALTH CARE
- ANS: It remains in the pool, so that it is used to subsidize for others
Q15: WHAT HAPPENS TO MY CONTRIBUTION AFTER GRADUATION?
- ANS: It is left in the pool for continuity of the programme
Q16: WHAT DO I DO IF PRESCIBED DRUGS ARE OUT OF STOCK?
- ANS: It is the responsibility of the clinic to make all prescribed drugs available. However when necessary, the prescription may be changed to a close substitute.
Q17: IS HIV/AIDS COVERED UNDER THE PROGRAMME?
- ANS: No. Associated opportunist illness/diseases like diarrhea, tuberculosis, etc. are included in the benefit package. Also the National Agency for the control of AIDS (NACA) is handling supply of anti-retroviral drugs.
Q18: WHAT IF I FALL SICK DURING THE HOLIDAYS/IN-CASE OF EMERGENCY?
- ANS: Using the student ID card, beneficiaries can access care at any NHIS accredited hospital.
Q19: IF I AM NOT SATISFIED WITH THE SERVICES OF THE CLINIC. WHO DO I COMPLAIN TO?
- ANS: Complaints can be lodged to the clinic HEAD. If unaddressed, you report to the TISHIP committee administering the programme.
Q20: WHAT HAPPENS IF THE CLINIC CANNOT HANDLE MY HEALTH CONDITION?
- ANS: The clinic will refer you to a designated secondary provider following the approval of the HMO.
Q21. What is Social Health Insurance?
- Ans. Social Health Insurance is a social security system that guarantees the provision of a Benefit package of Health Care Services paid from funds created by pooling the contributions of participants
Q22. How do I Contribute?
- Ans. 10% of your basic salary will be paid by your employer, while you will contribute 5% monthly.
Q23. What happens to my medical allowance after joining NHIS?
- Ans. Payment of 10% of basic salary by the employer as NHIS contribution substitutes medical allowances.
Q24. How many members of my family are covered by my contribution?
- Ans. Contributor, spouse and four biological children under 18 years of age.
Q25. Any Special Arrangement for Contributors Having More Than One Wife And Four Children?
- Ans. Any member of the family outside the allowable six can be registered as-extra dependant.
Q26. Can my child above 18 years benefit from my contribution?
- Ans. No. However, students in tertiary institutions and voluntary participants Social Health Insurance Programme. Persons above 18 years of age and are not in tertiary institutions can be covered as extra dependants.
Q27. If am single, can my relations benefit from my contributions?
- Ans. No.
Q28. If two working spouses both contribute, would there be rebate?
- Ans. No. However, each spouse is entitled to cover four (4) biological children each.
Q29. Of what advantage is the programme to me?
Ans. Beneficiaries do not need cash to access treatment when required except the 10% co-payment for the cost of drugs. Thus, problem of converting assets to cash especially in catastrophic illness can be avoided. Furthermore, the benefit package is among the most comprehensive in the world.
Q30. Is there a limit to the medical bills that NHIS will pay?
- Ans. No limit, as long as the care is within the provision of the benefit package.