Ilera Eko vs. NHIS – Which Health Scheme is Right for You?

In today’s Nigeria, navigating the healthcare landscape can feel overwhelming and confusing.

Fortunately, government-backed health insurance schemes like Ilera Eko and NHIS offer a solution, providing financial protection and access to medical services.

But with two major options on the table, choosing the right scheme can be tricky.

This blog is here to help.

We’ll delve into the specifics of both Ilera Eko and NHIS, unpacking their benefits, eligibility criteria, and costs.

Through a clear comparison, we’ll equip you with the knowledge to make an informed decision about which scheme best aligns with your needs and location.

Whether you’re a resident of Lagos or looking for nationwide coverage, this guide will empower you to choose the health insurance that best safeguards your well-being.

So, buckle up and get ready to explore the world of Ilera Eko and NHIS.

By the end of this blog, you’ll be well-equipped to navigate the maze and find the health insurance scheme that’s the perfect fit for you!


Let’s begin by taking a deep dive into Ilera Eko, a health insurance scheme designed specifically for residents of Lagos State.

how to register for ilera eko

Launched by the Lagos State Government, Ilera Eko aims to make quality healthcare accessible and affordable.

Here’s a breakdown of its key aspects:

  • Target Beneficiaries: This scheme is primarily for residents of Lagos State, including individuals, families, and even the informal sector.
  • Benefits Offered: Ilera Eko boasts a comprehensive package of benefits, potentially covering hospitalization, outpatient consultations with specialists (with limitations), maternity care, essential medications, and even some diagnostic tests.
  • Registration and Eligibility: The registration process for Ilera Eko is designed to be user-friendly. You can typically register through designated healthcare facilities or online portals. Eligibility criteria might include residency status and proof of income (details can vary depending on the specific plan you choose).
  • Costs Involved: Ilera Eko offers various plan options, each with its own associated premium. These premiums are typically paid annually and can be structured for individuals or families. See the cost of Ilera Eko Health scheme here.


Now that we’ve explored the intricacies of Ilera Eko, let’s shift our focus to NHIS, the National Health Insurance Scheme.

National Health Insurance Scheme

NHIS stands as a nationwide program offering health insurance coverage across Nigeria.

Here’s a closer look at its core features:

  • National Reach: Unlike Ilera Eko’s Lagos-centric focus, NHIS boasts a national footprint, providing health insurance coverage across all states in Nigeria.
  • Benefit Variations: NHIS offers a variety of plan types, each catering to different needs and budgets. These plans can vary in the extent of coverage they provide, with some focusing on primary healthcare and others offering a wider range of services, including specialist consultations and hospitalization.
  • Registration Process: Similar to Ilera Eko, NHIS registration is generally facilitated through designated healthcare providers or online platforms. Eligibility criteria might include factors like employment status and income level (specific details depend on the chosen plan).
  • Cost Structure: NHIS plans also come with varying premium costs, typically paid annually or bi-annually. These premiums can be structured for individuals, families, or even groups depending on the chosen plan.

In the upcoming section, we’ll directly compare Ilera Eko and NHIS, highlighting key differences and helping you choose the scheme that best suits your situation.


Now that we’ve unpacked the individual strengths of Ilera Eko and NHIS, it’s time for the main event: a head-to-head comparison to help you decide which scheme is the better fit for you.

Here’s a table to help you compare key features:

Coverage Area Lagos State Residents Only Nationwide Coverage
Benefit Packages Generally covers hospitalization, specialist consultations (limited), maternity care, medications, some diagnostics (varies by plan) Varies by plan – May include primary care, specialist consultations, hospitalization, maternity care, medications, diagnostics
Eligibility Primarily Lagos residents (proof of residency and income verification may be required) Varies by plan (employment status, income level)
Cost Structure Various plan options with annual premiums for individuals or families (costs depend on the plan) Various plan options with varying premiums (annual or bi-annual), costs depend on plan and can be for individuals, families, or groups


For Lagos residents who prioritize comprehensive coverage and rarely travel outside the state: Ilera Eko might be a strong contender, especially if you find a plan that aligns with your budget and needs.

For those seeking nationwide coverage, plan flexibility, or who travel frequently: NHIS offers a wider reach and potentially a broader range of plan options to suit your budget and healthcare requirements.


Choosing a health insurance scheme is a crucial decision that can significantly impact your access to quality healthcare.

Once you can understand the intricacies of Ilera Eko and NHIS, you can decide which is best to secure your health and well-being

We believe that this blog has equipped you with the knowledge to compare Ilera Eko and NHIS.

However, the journey to a healthy future doesn’t end here, ensure you maintain a healthy lifestyle and keep yourself updated on changes or updates to both Ilera Eko and NHIS policies.


This section might be helpful for those seeking quick answers to common questions about Ilera Eko and NHIS.

Here are some potential FAQs to consider:

  • Can I enroll in both Ilera Eko and NHIS?

No, typically enrolling in one scheme is sufficient. They both function as primary health insurance providers.

  • What if I move out of Lagos State after enrolling in Ilera Eko?

This can get complicated. Contact Ilera Eko to understand their policy regarding out-of-state coverage or potential transfers to NHIS.

  • How long does it take to get approved after registering for NHIS/Ilera Eko?

Processing times can vary depending on the scheme and chosen plan. It’s best to check their official websites or contact their representatives for current wait times.

  • What happens if I don’t pay my premiums?

Both schemes likely have penalties for late or missed payments. These could include service suspension or even termination of your coverage. Review the specific terms and conditions of your chosen plan for details.

  • Where can I find a healthcare provider who accepts Ilera Eko/NHIS?

Each scheme typically has a network of approved healthcare providers. You can find their lists on the official websites of Ilera Eko and NHIS.

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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