Nigeria Health Insurance for Expats

International Health Insurance for Expats in Nigeria

Nigeria’s healthcare system can be challenging for expats, making international health insurance essential. Public healthcare often faces limitations like resource shortages, and while private facilities provide better care, costs can be high without insurance.

Are you an expat preparing for a move to Nigeria or a traveler planning out your next trip to Nigeria? By choosing the right health insurance, expats can confidently navigate Nigeria’s healthcare landscape, ensuring quality care and financial security for themselves and their families.

In this Pacific Prime article, we’ll walk you through Nigeria’s healthcare system, explain why international health insurance is the best option for expats, compare the top plans, give top safety and travel tips, and more. Read on to find what you need before your time in Nigeria.

Recommended International Health Insurance Plans for Expatriates Living in Nigeria

The Healthcare System in Nigeria

Nigeria’s healthcare system is a mix of public and private providers, with significant disparities in quality and access across urban and rural areas. Public facilities offer affordable or free care, but they often struggle with resource limitations, long wait times, and overcrowding.

While the public system aims to cater to all citizens, access to quality care remains inconsistent, especially in rural regions. Expats often rely on private healthcare providers, which deliver higher-quality services, advanced medical technologies, and shorter wait times. Many expats turn to international health insurance to bridge these gaps and gain access to private facilities or care abroad when necessary.

Preventative healthcare and emergency services in Nigeria are underdeveloped in public settings, emphasizing the importance of insurance policies that include coverage for emergencies, routine check-ups, and vaccinations.

Nigeria’s Public Hospitals

Public hospitals in Nigeria, like Lagos University Teaching Hospital and Ahmadu Bello University Teaching Hospital, are vital for the general population but often lack the resources to provide consistent, high-quality care. Expats may face long waits and limited access to specialists.

Rural areas, in particular, depend heavily on public hospitals or clinics. Health services in these regions can be basic, with limited availability of medicines and diagnostic tools. For serious conditions, patients are usually referred to urban centers.

The mortality rate is high in public hospitals as Nigerians often die from diseases such as cholera, tetanus, and polio. 

The Nigerian government is taking steps to improve the health of its citizens by supplying vaccinations and implementing much-needed public health initiatives. The journey remains a long one before sustainable health services will become effective enough to provide adequate care. 

For those who can afford it, going to a private hospital or clinic will provide better treatment and safety. 

Nigeria’s Private Hospitals

Specialized care is available in Nigeria’s top private hospitals, such as Reddington Hospital, Nizamiye Hospital, Cedarcrest Hospitals, or Lagoon Hospitals. These private facilities boast modern equipment, skilled staff, and shorter waiting times, making them a preferred choice for expats.

Nigeria’s private hospitals offer specialized services, such as cardiology, oncology, and maternity care, catering to a wide range of medical needs. While the quality is higher, the costs can be prohibitive without adequate insurance coverage.

Some private hospitals also have partnerships with international organizations, ensuring adherence to global healthcare standards. Expats should seek recommendations and verify hospital accreditations when choosing providers.

Health Insurance Options in Nigeria for Expats

Navigating health insurance in Nigeria can be challenging due to the dual nature of its healthcare system. Public insurance provides basic coverage but has limitations, while private insurance offers comprehensive options tailored to expats seeking quality care.

Public Insurance in Nigeria

The National Health Insurance Scheme (NHIS) is a public health system that was officially established in 1999 with the purpose of providing universal coverage, but the system has struggled to provide free and good quality healthcare for the entire population.

Public health insurance in Nigeria operates under the National Health Insurance Authority (NHIA), designed to provide affordable access to healthcare for citizens. While expats can sometimes access public insurance, the benefits are limited to basic treatments and services.

NHIA coverage includes primary care, minor surgeries, and maternal health services. The quality of public healthcare facilities varies, with many suffering from resource constraints and long wait times. This makes public insurance less appealing to expats.

Expats relying on public insurance may face challenges such as language barriers, outdated equipment, and inconsistent care. To bridge these gaps, many opt for private insurance or employer-sponsored plans for better healthcare access.

Private Insurance in Nigeria

Comprehensive private health insurance offers access to quality healthcare in Nigeria, including private hospitals with shorter wait times and advanced medical care. Many plans also include international coverage, allowing expats to receive treatment abroad when needed.

Providers like Allianz, Bupa, and Cigna—available through Pacific Prime—offer comprehensive plans that include inpatient and outpatient care, specialist visits, and emergency services.

Private insurance policies can be customized to include international coverage, maternity care, and dental services. International health insurance plans also often include direct billing and options for evacuation and repatriation in emergencies.

In Nigeria, private insurance guarantees access to better healthcare services, shorter wait times, and English-speaking medical professionals. Expats should compare policies to find the most suitable plan, considering their health needs, budget, and travel requirements.

Best Private Insurance Providers for Expats in Nigeria

Navigating the healthcare system in Nigeria is made simpler with the right private health insurance. Expats often rely on globally recognized providers, such as Cigna, Allianz, Bupa, AXA, and Geoblue.

Cigna Global

Cigna Global offers a variety of health insurance plans tailored to expats in Nigeria. Their plans provide comprehensive inpatient and outpatient care, mental health services, and maternity benefits. Cigna also includes optional add-ons like dental and vision coverage.

Why Choose Cigna?

• Extensive global network of healthcare providers
• 24/7 multilingual customer service
• Customizable plans for expats

Allianz Care

Allianz is a trusted name among expats for its international health insurance plans. Their offerings in Nigeria include coverage for routine medical care, specialist consultations, and emergency evacuation services. Allianz’s flexible policies cater to both individuals and families.

Why Choose Allianz?

• Direct billing at numerous private hospitals in Nigeria
• Comprehensive wellness programs
• Coverage for chronic illnesses and pre-existing conditions

AXA Health

AXA Health provides flexible international health insurance plans tailored to the unique needs of expats in Nigeria. Their plans include extensive hospitalization coverage, outpatient care, and optional travel insurance, making them ideal for frequent travelers.

Why Choose AXA Health?

• Affordable premium options for expats
• Emergency medical evacuation coverage
• 24/7 global support services

GeoBlue

GeoBlue, under Blue Cross Blue Shield, is a strong option for expats looking for comprehensive care in Nigeria. Their plans cover a wide array of services, including preventive care, specialist consultations, and global medical assistance for emergencies.

Why Choose GeoBlue?

• Large network of healthcare providers globally and locally
• Exceptional telemedicine services for remote consultations
• No referrals needed for specialist care

Facts to Consider When Picking Insurance in Nigeria

Selecting the right health insurance as an expat in Nigeria requires a thorough understanding of your needs and the healthcare landscape. Here are key factors to consider when choosing insurance coverage:

Coverage for Local and International Services

Nigeria’s healthcare system can be uneven, especially outside major cities like Lagos and Abuja. Opt for a plan that provides access to private facilities and international coverage for care abroad. Insurers like Cigna and Allianz offer comprehensive plans tailored to expats’ needs.

Emergency Medical Evacuation

Given the varying quality of healthcare facilities in remote areas, having a plan that includes emergency evacuation is essential. Providers like Bupa Global and AXA Health cover transport costs to better-equipped hospitals domestically or internationally.

Pre-Existing Conditions Coverage

If you have a pre-existing condition, ensure your insurance plan covers it. While some insurers, like Cigna, offer plans that accommodate pre-existing conditions, others may impose waiting periods or exclusions. Always check the specifics before committing to a policy.

Network of Providers

Access to quality healthcare can vary widely in Nigeria. Choose a plan with a strong network of private hospitals and clinics, such as Lagoon Hospitals or Reddington Hospital in Lagos. Direct billing arrangements with these facilities can simplify payment processes.

Claims Process and Customer Support

Efficient claims processing is crucial, especially in a high-stress medical situation. Insurers like Pacific Prime provide dedicated support to help expats manage claims and reimbursements. Look for providers with multilingual customer service to avoid language barriers.

Cost and Flexibility

Health insurance costs can vary significantly depending on coverage levels and optional add-ons. Select a plan that aligns with your budget but also allows flexibility to adjust as your needs change. Insurers like Allianz and GeoBlue offer scalable options.

Local Regulations and Compliance

Nigeria requires certain expats to meet visa-related health insurance requirements. Confirm that your plan complies with local laws and covers any mandatory health screenings or vaccinations. Some providers, like AXA, offer guidance to ensure compliance.

Telemedicine Services

In a country where travel to medical facilities may be challenging, telemedicine is a valuable feature. Many insurers now provide virtual consultations, enabling expats to access healthcare advice without needing to visit a clinic.

Health and Safety Tips for Travelers in Nigeria

Traveling to Nigeria can be an exciting experience, but it's important to be mindful of the unique health and safety risks. Here are essential tips to ensure your well-being while in Nigeria:

Vaccinations and Preventative Health

Before traveling, ensure that you are up to date on vaccinations recommended for Nigeria, including yellow fever, hepatitis A, typhoid, and polio. Additionally, consider taking malaria prophylaxis as malaria is prevalent in many parts of the country.

Stay Hydrated and Avoid Tap Water

The heat and humidity in Nigeria can lead to dehydration. Always drink bottled or filtered water to avoid waterborne diseases. Avoid ice in drinks, as it may be made from unclean water. It's essential to stay hydrated, especially in tropical areas like Lagos or Abuja.

Avoid Eating Street Food

While the local cuisine is delicious, street food may not always meet hygienic standards. Eating food from unregulated vendors can lead to food poisoning or gastrointestinal issues. Opt for food from well-established restaurants or hotels where hygiene is more controlled.

Watch for Mosquitoes

Mosquito-borne diseases, such as malaria and dengue, are prevalent in Nigeria. Use insect repellent with DEET, wear long sleeves and trousers in the evening, and sleep under mosquito nets when possible. Mosquitoes are especially active during the rainy season.

Be Aware of Local Health Facilities

Although major cities have quality healthcare providers, rural areas may lack access to adequate medical care. If you're traveling to more remote regions, know the nearest hospital or clinic. Consider carrying a list of private hospitals for emergencies.

Traffic and Road Safety

Road safety is a significant concern in Nigeria due to poorly maintained roads, reckless driving, and traffic congestion. Always wear your seatbelt and avoid traveling after dark. For long-distance travel, use reputable car services or book a flight for safer travel.

Keep Personal Items Secure

While Nigeria is known for its vibrant culture, travelers should remain cautious about pickpocketing and theft. Avoid flashing valuables like expensive jewelry or large sums of cash. Use hotel safes for your important documents and belongings.

Stay Informed about Local Conditions

Nigeria's political climate can sometimes be unstable. Stay updated on local news, particularly regarding civil unrest or protests. It’s wise to follow travel advisories and be aware of areas with travel restrictions or heightened security risks.

Health Insurance and Emergency Evacuation

Ensure you have comprehensive health insurance that includes coverage for emergencies, including evacuation. Ensure that your chosen plan covers evacuation and treatment abroad, which can be essential in cases of serious medical issues.

Frequently Asked Questions

What vaccinations do I need before traveling to Nigeria?

Travelers to Nigeria should ensure they are vaccinated for yellow Fever, hepatitis A, typhoid, and polio. Malaria prophylaxis is also recommended for those traveling to areas with a high malaria risk. Always consult a travel health specialist before your trip for the most up-to-date advice.

Is it safe to drink tap water in Nigeria?

Tap water in Nigeria is not safe to drink. It's advisable to drink bottled or filtered water and avoid ice made from tap water. This helps to prevent waterborne diseases like dysentery and cholera. Carrying a reusable water bottle with a built-in filter can be a useful travel accessory.

What should I do in case of a medical emergency in Nigeria?

In case of a medical emergency, contact your health insurance provider immediately. Major cities like Lagos and Abuja have reputable private hospitals, such as Lagoon and Reddington, offering international-standard care. Having a good health insurance plan with emergency evacuation coverage is essential.

Conclusion: Compare Plans and Quotes Now

With almost two decades of extensive experience gained from across the globe, Pacific Prime can assist with any health insurance needs in Nigeria. By leveraging our close relationships with major international insurers, we offer professional advice and free plan comparisons to our clients. 

Our professional consultants can match you with a policy that best fits your budget and health needs. Our policies can cover dental, maternity, specialist consultation, health emergency transportation, inpatient services, and many more aspects. 

Expatriates with family members can also secure international cover for the whole family. For international students or travelers in search of international health insurance or travel insurance, Pacific Prime is the go-to insurance intermediary for the best impartial advice and guidance.

Contact us today for a free consultation!