How to Register for Health Insurance in FCT, Abuja (2024)

This post serves as a a guide to registering for FCT Health Insurance this 2024.

Living in Abuja, the bustling capital of Nigeria, comes with its own set of advantages.

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From a vibrant cultural scene to exciting career opportunities, the city offers a dynamic lifestyle.

But a crucial element of a healthy life in any environment is access to quality healthcare.

This is where health insurance steps in, providing the much needed financial security and peace of mind when you need medical attention.

The FCT Health Insurance Scheme (FHIS) is a government initiative specifically designed for residents of the Federal Capital Territory.

It ensures residents have access to essential healthcare services without facing the burden of high medical bills.

Whether you’re employed or self-employed, the FHIS offers a convenient and affordable way to safeguard your health and well-being.

This comprehensive guide will walk you through the entire process of registering for the FCT Health Insurance Scheme.

We’ll explore eligibility requirements, enrollment procedures for both formal and informal sectors, and provide valuable resources to answer any questions you might have.

By the end of this guide, you’ll be fully equipped to register for the FHIS and unlock the benefits of health insurance in Abuja.


The FCT Health Insurance Scheme welcomes residents of Abuja under two main categories:

  • Formal Sector: This category applies to individuals who are employed by:
    • The Federal Capital Territory Administration (FCTA)
    • Any Area Council within the FCT
    • Organized private sector companies
  • Informal Sector: This category caters to those who fall outside of formal employment, including:
    • Unemployed residents
    • Self-employed individuals
  • Individuals and Families: Are you unemployed or not part of the formal or informal sector? The FHIS caters to individuals and families as well. This flexibility ensures everyone in Abuja has the opportunity to participate in the scheme.
  • Tertiary Institution Students: The FHIS recognizes the importance of student health. Students enrolled in accredited tertiary institutions within the FCT can also participate in the scheme.

The good news is that the FHIS caters to a broad range of residents, ensuring everyone has the opportunity to secure health insurance.

The specific enrollment process, however, differs slightly depending on your employment status.

Let’s delve deeper into each category to understand the respective registration procedures.


The FCT Health Insurance Scheme offers a straightforward enrollment process for both formal and informal sectors.

Here’s a breakdown of the steps involved:


  1. Confirmation of Eligibility: Double-check if your employer falls under the FCTA, Area Council, or a registered private company within the FCT.
  2. Obtaining the Enrollment Form: The most convenient way is to get the form directly from your Human Resources department or designated enrollment officer within your workplace.
  3. Completing the Form: The form will typically request your personal details, employment information, and details of any dependents you wish to include in your coverage. Ensure all information is accurate and complete.
  4. Form Submission: Once completed, submit the enrollment form back to your Human Resources department or designated officer within your workplace. They will handle the next steps with the FHIS on your behalf.


  1. Payment of Premium: As a self-employed individual, you’ll need to pay the annual premium directly to the FHIS. The current individual premium stands at ₦13,500, with family discounts available (details on these discounts will be covered in the next section).
  2. Payment Options: While the specific payment options might change, you can expect options like bank deposits or online payments through the FHIS website (we’ll provide the website link in the “Additional Information” section).
  3. Obtaining the Enrollment Form: There are two ways to acquire the enrollment form:
    • Download the form from the official FHIS website (link provided later).
    • Visit the FHIS office in person to collect a physical copy.
  4. Completing the Form: Similar to the formal sector, the form will request personal details and information on any dependents you wish to cover.
  5. Form Submission: After completing the form, submit it along with proof of payment (bank deposit slip or online transaction receipt) to the FHIS office. Alternatively, you might be able to submit the documents electronically through the website (details to be confirmed).

Once you’ve submitted your enrollment forms and fulfilled all requirements, the FHIS will process your application.

You’ll receive a notification confirming your enrollment and further instructions on accessing healthcare services under the scheme.


Enrolling in the FCT Health Insurance Scheme is a breeze, but ensuring you have the right documents helps streamline the process.

Here’s a breakdown of the general documents you might need for enrollment:

  • Proof of Identity: A valid government-issued ID card, such as your National Identification Number (NIN) slip, international passport, or driver’s license, is essential to verify your identity.
  • Proof of Residence: This could include a utility bill (electricity, water), tenancy agreement, or any document confirming your residency within the Federal Capital Territory.
  • Employment Details (if applicable): For formal sector employees, a letter of employment from your current employer will be required. This helps determine your eligibility and potentially allows for joint enrollment with dependents.
  • Passport Photographs: Having a recent passport photograph on hand can expedite the enrollment process.

It is important to be aware that there might be slight variations in required documents depending on your enrollment category (formal sector, informal sector, individual, etc.).

For instance, self-employed individuals might need to provide proof of business registration instead of a letter of employment.


The FCT Health Insurance Scheme (FHIS) offers year-round enrollment, meaning you can apply for coverage at any time.

However, there are a few things to consider regarding deadlines and potential consequences:

  • Early Enrollment Benefits: While enrollment is ongoing, enrolling early allows you to maximize the benefits of the scheme. You’ll have uninterrupted access to healthcare services from your chosen effective date.
  • Late Enrollment Fees: There might be penalties for enrolling after a specific timeframe (if implemented by the FHIS). These late enrollment fees could act as a deterrent and emphasize the importance of timely registration.
  • Pre-Existing Conditions: The FHIS covers a wide range of medical conditions. However, it’s crucial to understand the scheme’s policy regarding pre-existing conditions. Some plans might have waiting periods before coverage kicks in for pre-existing conditions.

For the most up-to-date information on deadlines, late enrollment fees, and pre-existing condition coverage, it’s advisable to consult the official FHIS website or contact their customer service representatives.

This ensures you have the latest information and can make informed decisions about your enrollment.

By understanding these details, you can avoid any potential delays or financial implications associated with late enrollment.


Enrolling in the FCT Health Insurance Scheme paves the way for a more secure and affordable healthcare experience.

Here’s some additional information to consider:

  • Family Discounts: The FHIS offers discounted premiums for families. While the individual premium is ₦13,500, a family of four can enroll for ₦74,000 annually. This translates to a reduced premium of ₦10,000 for the fifth and sixth child added to the plan.
  • Benefits of Enrolling: The FHIS offers coverage for a range of essential healthcare services, potentially including consultations, medications, diagnostics, and even hospital admissions (depending on your specific plan). This reduces your out-of-pocket expenses and ensures you can access quality medical care without financial burden.
  • Resources: For further information and updates on the FCT Health Insurance Scheme, you can refer to the following resources:
    • Official FHIS Website: The website of the FHIS is and it provides comprehensive details on the scheme, including enrollment forms, FAQs, and a list of accredited healthcare providers.
    • FHIS Contact Information: The FHIS maintains a call center and physical office for inquiries. The official business phone number for FCT Health Insurance is (+234 810 454 5502 – 4).
    • Office Address: The Address of FCT Health Insurance Office is Ground floor, Bank of Agriculture plaza, Central Business District Abuja.

If you register for the FCT Health Insurance Scheme, you’re making a proactive investment in your health and well-being.

This guide has equipped you with the knowledge to navigate the enrollment process smoothly.

We encourage you to visit the official FHIS website and explore the scheme further.

Remember, prioritizing your health is an essential step towards a fulfilling life in Abuja!


This comprehensive guide has unpacked the process of registering for the FCT Health Insurance Scheme.

We’ve explored eligibility requirements, enrollment procedures for both formal and informal sectors, and provided valuable resources to empower you on your journey to securing health insurance.

With the information provided, you’re now well-equipped to take the next step towards a healthier and more secure future in Abuja.

Remember, this information might change, so it’s always a good practice to double-check the official website for the latest updates.

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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