*4.2.1.1 The Health insurance program for the formal sector (FSSHIP)*

The Nigerian National Health Insurance Scheme established the FSSHIP as a Social Health Insurance program (NHIS). Employees in the formal sector are required to participate in FSSHIP. In 2012, about 3% of Nigeria's population was covered. Beneficiary contributions to the plan are calculated as a percentage of earnings and are accompanied by contributions from employer. Through


#### **Table 2.**

*Illustration of various NHIS scheme that covered different segment.*

the National Health Insurance Fund, the NHIS pools monies at the federal level (NHIF). The National Health Insurance Program (NHIS) hires commercial, forprofit Health Maintenance Organizations (HMOs) to run the purchasing system and distribute funds to providers. Healthcare professionals are paid on a capitation basis for primary care and on a fee-for-service basis for secondary care. A blend of NHIS-accredited public and private healthcare providers are contracted to deliver services under the FSSHIP. High-tech investigations (CT scans, MRIs, etc.) and occupational disorders are excluded from FSSHIP's regular benefit package, which defines primary, secondary, and tertiary treatments. Members of the FSSHIP are assigned to specific HMOs, however they can choose their primary care providers from a list of NHIS-accredited providers [5].

#### *4.2.1.2 National Health Insurance Scheme (NHIS)-MDG-MCH*

The MDG-MCH program of the National Health Insurance Scheme (NHIS) was created to address the demand-side problem of financial obstacles to acceptance of prioritized MCH interventions. Its implementation mechanisms, on the other hand, include requiring facilities to use program income to purchase medications, which will improve the provision of PHC services. The Midwives Service Scheme program helps to address the shortage of midwives in frontline PHC facilities, and the Model Primary Health Centers Creation and Upgrading (MPHC) program assists in increasing the number of functional facilities and improving the state of some of those in dilapidated conditions [6].

National Health Insurance Scheme has developed various programmes to cover different segments of the society, In order to ensure that every Nigerian has access to good healthcare services [7], as show in **Table 2**.

## **5. Conclusion**

To fairly include more individuals In line with the goal of UHC, NHIS scheme should prioritize expanding coverage for low-income groups, rural communities, and other groups with limited access to services, health, or both. This is especially critical for services with a high priority. More individuals being fairly included may necessitate specific measures when they are beneficial.

*Coverage: Measure of Achieving Universal Health Coverage in Nigeria DOI: http://dx.doi.org/10.5772/intechopen.98948*
