Cost of FCT Health Insurance Scheme (2024)

Living in Abuja, access to quality healthcare is crucial.

But navigating medical bills and unexpected costs can be stressful.

health insurance in nigeria

That’s where the FCT Health Insurance Scheme (FHIS) comes in!

It’s a program designed to make healthcare more affordable and accessible for residents of the Federal Capital Territory.

This blog post is your one-stop guide to understanding the cost of the FHIS.

We’ll break down the enrollment fees for individuals and families, explore any additional charges, and point you towards resources for easy payment.

By the end, you’ll have a clear picture of what it takes to join the FHIS and unlock its benefits.

So, whether you’re looking for a health insurance plan for yourself or your loved ones, keep reading to see if the FHIS is the right fit for you!


Now that you understand the purpose of the FCT Health Insurance Scheme (FHIS), let’s delve into the nitty-gritty: the costs!

Here’s a breakdown of the fees involved:

  • Individual Enrollment: The FHIS offers a budget-friendly option for individuals seeking health coverage. You’ll pay a yearly premium, a fixed amount that grants you access to covered services throughout the year. The exact cost for individual enrollment is ₦13,500.
  • Family Enrollment: The FHIS recognizes the importance of family health. They offer special rates for families, making it easier to ensure everyone under your roof is covered. Here’s how the cost structure works:
    • First Four Members: The first four members of your family (including yourself) will each pay the same annual premium as individual enrollment, which is ₦13,500 per person.
    • Additional Children: For families with more than four members, there’s a discounted rate for additional children. Each child after the fourth will have a reduced annual premium of ₦10,000.

Important Note: It’s always a good idea to double-check the latest costs with the official FHIS resources.

We’ll provide those links in the concluding section to ensure you have the most up-to-date information.



While cost is certainly a significant factor, the FHIS offers more than just financial relief.

Here’s a glimpse into some of the advantages you can unlock by enrolling:

  • Access to Quality Healthcare: The FHIS grants you access to a network of approved healthcare providers within the FCT. This means you’ll have a wider range of options for consultations, treatments, and other medical services covered by the scheme.
  • Reduced Out-of-Pocket Expenses: With the FHIS, you’ll benefit from significant reductions in medical bills. The scheme covers a defined range of healthcare services, minimizing the amount you have to pay out of pocket when you need medical attention.
  • Peace of Mind and Financial Protection: Unexpected medical emergencies can be a financial burden. The FHIS provides a safety net, ensuring you and your family have access to healthcare without worrying about breaking the bank.
  • Improved Health Outcomes: By making healthcare more accessible and affordable, the FHIS encourages regular checkups and preventive care. This can lead to earlier diagnoses, better treatment outcomes, and overall improved health for you and your loved ones.

While this is not an exhaustive list of benefits. The official FHIS website might provide a more comprehensive breakdown of the advantages you can enjoy as a member.


By now, you should have a clear understanding of the FCT Health Insurance Scheme’s cost structure.

While the annual premium might seem like an upfront cost, it pales in comparison to potential out-of-pocket expenses for unexpected medical needs.

The decision to enroll in the FHIS ultimately depends on your individual circumstances and healthcare needs.

If you’re looking for affordable access to quality healthcare, the FHIS offers a compelling solution.

Visit the Official FHIS Website at for the most up-to-date information.

There, you can find a detailed breakdown of covered services, a comprehensive list of participating healthcare providers, and downloadable enrollment forms.

The website likely provides contact information for the FHIS, including phone numbers and email addresses.

Don’t hesitate to reach out if you have any questions or require further clarification before enrolling.

We hope this blog post has empowered you to make an informed decision about the cost of the FCT Health Insurance Scheme.

Mfonobong Daniel

I am Daniel, a professional financial blogger, an insurance agent and financial adviser. Join me as I unravel and breakdown the mysteries behind insurance policies in Nigeria.

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