Nigeria's GIFSHIP: Affordable Health Insurance Game-Changer?
Tobiloba OdejinmiNa Tobiloba Odejinmi
Elimu
6 Mei 2026 • 8:42 PM
5m5 min read
Chanzo: Pexels
Ufahamu wa Msingi
Ultimate Health HMO launches GIFSHIP, a NHIA-regulated health insurance package at ₦38,718 per person annually, covering primary, secondary, and tertiary care. Aimed at individuals, families, groups, and the mass market, it supports Nigeria's NHIA Act 2022 mandating universal coverage, shifting from illness treatment to health creation amid poor health indices.
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Tobiloba Odejinmi
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Ultimate Health HMO Imetoanza GIFSHIP: Bima ya Afya Nafuu kwa Wananchi wa Nigeria
Kwa miongo kadhaa, Wananchi wa Nigeria wamekabiliwa na mzigo wa gharama za huduma za afya, mara nyingi wakikumbana na uharibifu wa kifedha wakati ugonjwa unaposhambulia. Ultimate Health HMO imezindua GIFSHIP, the Group, Individual, and Family Social Health Insurance Programme, iliyoundwa kufanya huduma za afya za ubora ziwe nafuu, zipatikane, na zenye usawa kwa wote.
Mzigo wa gharama za huduma za afya nchini Nigeria (Credit: Kampus Production via Pexels)
Sistemi ya afya ya Nigeria imekabiliwa na ufadhili usiotosheleza, miundombinu duni, na ukosefu wa upatikanaji wa huduma bora za afya. GIFSHIP, inayosimamiwa na National Health Insurance Authority (NHIA), inatoa chanzo cha kinga kwa huduma za afya za ngazi ya msingi, ya pili, na ya tatu kwa malipo ya premium ya ₦38,718 kwa kila mtu kwa mwaka. Hii inapatana na mipango mikubwa ya kiuchumi kama mfadhili wa utafiti na uvumbuzi wa Nigeria.
Tamasha la Uzinduzi na Taarifa Muhimu
Tamasha la uzinduzi la GIFSHIP huko Lagos (Credit: Francisco Medellin via Pexels)
Katika taarifa kwa waandishi wa habari huko Lagos, Mkurugenzi Mtendaji/ Mkuu Otunba Lekan Ewenla alisisitiza kubadili kutoka dhana za kudhani hadi hatua, akirejelea Sheria ya NHIA 2022, ambayo inafanya bima ya afya iwe lazima kwa Wananchi wote wa Nigeria.
“Tunahitaji kubadili kutoka kutibu ugonjwa tu hadi kuunda afya. Taifa lenye afya ni taifa lenye utajiri.”
“Kifurushi cha GIFSHIP ni hatua ya kimkakati ya kuzingatia sana malengo ya kufanya huduma za afya ziwe nafuu, zipatikane, na zenye usawa,” alisema Ewenla. Kifurushi hiki kinawalenga watu binafsi, familia, vikundi, na mashirika, kinazolenga soko la umati.
“Hii ni mabadiliko makubwa katika sekta ya afya ya Nigeria. Premium haiwezi kujadiliana, ubora wa huduma umehakikishwa, na premium ni nafuu. Tumejitolea kutoa huduma bora za afya kwa Wananchi wa Nigeria, na GIFSHIP ni hatua muhimu katika mwelekeo huo,” aliongeza. Uzingatiaji sawa wa udhibiti unaonekana katika juhudi za ulinzi wa watumiaji wa fedha.
Sheria ya NHIA 2022 na Udhibiti
Sheria ya NHIA 2022 inampa mamlaka nguvu ya kuidhinisha na kudhibiti bidhaa za bima ya afya za kibinafsi. “Mamlaka itahakikisha kuwa bima ya afya ni lazima kwa kila Mkenya na wakaazi halali. NHIA itatekeleza kifurushi cha msingi cha huduma za afya kwa Wananchi wote wa Nigeria katika mipango yote ya bima ya afya inayofanya kazi ndani ya nchi, ikijumuisha shirikisho la shirikisho, majimbo, na eneo kuu la mji mkuu wa shirikisho – FCT, pamoja na mipango ya bima ya afya ya kibinafsi,” alibainisha Ewenla.
GIFSHIP inashughulikia changamoto za zamani kama kupunguza premium kwa hiari na vifurushi tofauti vya faida. Inatumia Muundo wa Udhibiti wa Hatari za Afya, na watoa huduma za afya za ngazi ya msingi kama wasimamizi wa hatari katika ngazi ya msingi na HMO katika ngazi za pili na tatu.
Maelezo ya Udhibiti wa Hatari za Afya
Udhibiti wa hatari za afya unafanya kazi (Credit: Markus Winkler via Pexels)
Capitation inahamisha udhibiti wa hatari za afya katika ngazi ya msingi kwa watoa huduma, na 65% ya premium inatolikiwa kwa idadi ya chini ya watu wanaopendekezwa kwa hesabu angalau 2,500 waliojiandikisha. Capitation hulipiwa kwa watoa huduma za msingi na NHIA kupitia HMO. HMO hupata 10% ya premium ya bima ya afya ya jamii ya sekta ya umma kama ada ya usimamizi, pamoja na ada-kwa-huduma kwa huduma maalum za afya kupitia nambari za idhini ya awali zinazotolewa na HMO.
Changamoto zote zimeshughulikiwa na Sheria ya NHIA 2022, Kifungu cha 3. Watoa huduma za afya wanazifahamu huduma zilizofunikishwa katika ngazi zote tatu, mchakato wa idhini ya awali, na ada za NHIA kwa huduma za ngazi ya pili na tatu. Mbinu hii iliyopangwa inasaidia upangaji wa kifedha sawa na mikakati ya kujenga utajiri.
Wito wa Kuchukua Hatua
Kujiunga na safari ya GIFSHIP (Credit: Ann H via Pexels)
“Tunaabadilisha hadithi ya viwango vyetu duni vya afya, na tunawaleta kila mtu ajiunge nasi katika safari hii,” alisema Ewenla. Ultimate Health HMO ina waliojiandikisha wa sekta ya umma na mashirika na inalenga soko la umati ili kuendeleza chanzo cha kinga cha afya cha ulimwengu.
“Tunalenga soko la umati na GIFSHIP. Tunataka kufanya huduma za afya zipatikane kwa kila Mkenya, bila kujali hadhi yao ya jamii au kiwango cha mapato. Tumejitolea kutoa huduma bora za afya kwa Wananchi wa Nigeria, na GIFSHIP ni hatua muhimu katika mwelekeo huo.”
Marejeo:
National Health Insurance Authority (NHIA) Act 2022
GIFSHIP is the Group, Individual, and Family Social Health Insurance Programme launched by Ultimate Health HMO, offering coverage for primary, secondary, and tertiary healthcare services at ₦38,718 per person per annum.
GIFSHIP is regulated by the National Health Insurance Authority (NHIA) under the NHIA Act 2022.
The NHIA Act 2022 makes health insurance mandatory for all Nigerians and legal residents, enforcing a basic minimum package of health services across all schemes.
It uses capitation for primary care (65% of premium), with HMOs handling secondary/tertiary via 10% admin fee and fee-for-service with pre-authorization.
Individuals, families, groups, corporate organizations, and the mass market, targeting universal health coverage.
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