Definition of Terms

  • The Scheme
    Refers to National Health Insurance Scheme (NHIS). A corporate body established under Act 35, of 1999, to regulate and provide health insurance in Nigeria
  • Enrollee or Beneficiary
    A person who has enrolled (or has been enrolled) with NHIS.
  • Principal Enrollee
    A person on behalf of whom the other biological members of the family (dependants) are enrolled.
  • Dependant
    The spouse and children of a principal enrollee.
  • Primary Health Care Provider (PHCP)
    Is the entry point and point of first contact of an enrollee with a healthcare provider.
  • Primary Care Provider
    Same as in PHCP.
  • Secondary Health Care Provider
    Refers to Health Care Provider which offers specialized services to patients referred from the primary healthcare provider.
  • Tertiary Health Care Provider
    Refers to Health Care Provider which offers highly specialized services based on referral from secondary care level.
  • Alternative Primary Health Care Provider
    Is the PHCP selected by dependant(s) who is not resident in the same location with the principal.
  • Health Maintenance Organization (HMO)
    A private or public incorporated Company registered by the NHIS solely to manage the provision of health care services through Healthcare Providers accredited by the Scheme.

Important Information

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Who is Eligible?

All Serving / Retired Military personnel are eligible to register one
spouse and four biological children of 18 years and below as provided
for in the National Health Insurance Scheme (NHIS) guidelines.
  • Dependants (i.e. spouse and children) of deceased personnel are also eligible.
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How the scheme works

This is a descrption of the working processes behind the scheme
  • A personnel registers with Defence Health Maintenance Limited (DHML) and is assigned with a registration number.
  • The serving personnel selects an accredited Military Primary Health Care Provider (PHCP) within his locality and supplies all the necessary personal details.
  • The retired personnel selects an accredited military or civillian Primary Health Care Provider (PHCP) within his/her locality and supplies all necessary personal details.
  • • Dependants (i.e. spouse and children) details submitted on-line are backed-up with the upload of relevant document(s) by the registrant.
  • DHML/NHIS issues an ID card to the enrollees and their eligible dependants.
  • The military / civillian PHCP takes care of all the primary health care issues of the enrollee based on the NHIS benefit package.
  • The Primary Health Care Provider (PHCP) will refer the enrollee to a Secondary Health Care Provider (SHCP) or Tertiary Care Provider (TCP) accredited by the NHIS for specialized cases, with approval from DHML using the established referral guidelines.
  • Enrollees are not allowed to change their PHCP more than twice a year. Request for change of PHCP can be submitted online or at the DHML office closest to you. This will be treated within three (3) months of submission.
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Who pays?

Who pays for the health services given to serving / retired personnel
and their families?
  • The Federal Government is responsible for the full payment of the contributions. No deduction is made from the salary of the serving or pension of the retired personnel.
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Health care in transit?

How do I access health care in transit?
  • Serving Personnel are to report sick at the nearest Military Health Care Provider (Sickbay, Medical Reception Station, Medical Centre or Hospital) as directed by their unit’s Medical Officer.
  • Retired Personnel are to contact their chosen PHCP, DHML Call Centre or State offices before reporting sick at any NHIS accredited PHCP.
  • Provide a means of identification such as the Service identity card or DHML/NHIS Identity card.