KGSHIA Accredited · Kogi State Government

Quality Healthcare
for Every Kogi Resident

Affordable health insurance covering civil servants, students, and informal sector workers across all 21 LGAs of Kogi State.

Enroll Now Find a Hospital

TISHIP Student Plan

Healthcare for
Kogi Students

Just ₦2000 per session covers students at all Kogi State tertiary institutions. Campus clinics, emergency care, and mental health support included.

Enroll as Student Find a Hospital

Informal Sector Plan

Protecting Traders,
Farmers & Artisans

Cover your whole family from ₦1,500/month. Enroll online or dial 07043442648, 02018885644, 08055679139 on any phone, no smartphone needed.

Enroll Now Find a Hospital

200+ Accredited Facilities

Healthcare Close
to Home

Access over 200 KGSHIA-accredited hospitals, clinics and specialist centres across all 21 LGAs of Kogi State. Your card works everywhere.

Find a Hospital Enroll Now

218,096+

Active Enrollees

200+

Accredited Facilities

LGAs Covered

95%

Claims Approved

₦15,000

Min. Yearly Cost

Coverage Plans

Choose Your Plan

All plans include free emergency care and access to 200+ facilities

Pensioners Contributory Health Insurance Plan(PENCHIP)

For State & LGA Pensioners

₦15,000 /annum

For State and LGA Pensioners
Premium Contribution: 15,000 per annum
10,167 enrollees
Co-payment: 10% Co-payment
Individual Package

Tertiary Institutions Social Health Insurance Programme (TISHIP)

Tertiary institution students

₦2000 /session

For Students of Tertiary Institutions
Premium Contribution: Institutional medical fee(#2000 subject to review)
44,615 enrollees
Co-payment: Not applicable
Individual Package

Vital Contributory Health Insurance Plan(VITALCHIP)

For Individuals, Families and Groups

₦15,000 /annum

For Individuals, Families and Groups
Premium Contribution: 15,000 per annum
1857 enrollees
Co-payment: 10% Co-payment
Single/Family/Group Package

Benefit	PENCHIP PLAN	TISHIP PROGRAMME	VITALCHIP PLAN
Premium Contribution	₦15,000 /annum	₦2000 /session	₦15,000 /annum
Package	Individual	Individual	Single/Family/Group
Co-payment	10% Co-payment	-	10% Co-payment
Enrollees	10,167	44,615	1857
Coverage	State and LGA Pensioners	Students of Tertiary Institutions	Individuals, Families and Groups

Simple Process

How It Works

From zero to fully covered in under 10 minutes

Step 01

Your Plan

Civil Servant | Student | Vital or Pensioner Contributory Health Insurance Plans

Step 02

Your Details

Fill in your first and personal info, takes just 5 minutes

Step 03

Confirm & Pay

Pay by card, bank transfer or Paystack

Step 04

Access Healthcare

Walk into any 200+ accredited facilities with your ID

Savings Calculator

See How Much You Save

Compare out-of-pocket costs vs your annual premium to see real savings

Select a medical procedure:

Click any procedure to see your estimated savings

Childbirth / Delivery₦45,000

Appendix Surgery₦65,000

Hernia Repair₦55,000

Ovarian surgeries / Ectopic pregnancy₦90,000

C-Section₦100,000

Your plan:

Your Savings

Out-of-pocket cost ₦45,000

Annual premium ₦15,000

You save

₦30,000

(10% co-payment on drugs exclusive)

↑ 67% saved

vs paying out of pocket

Start saving now

Real Stories

What Our enrollees Say

"I want to greatly appreciate our highly esteemed Governor for deeming it fit to enroll all his civil servants in this wonderful scheme. God of heaven will continue to grant him and all his cabinet members sound health in Jesus mighty name. I have benefitted from eye glasses and I I appreciate their service greatly. To all the staff you are doing wonderfully well. More power to your elbow. God bless you all"

Mrs Olatunbosun Olubunmi

"God bless you sir for this laudable intervention. Wishing you more wisdom and grace to sustain it for better transformation of the public sector. May God reward every brain behind it abundantly Amen"

Enemona

"I want to commend all KGSHIA staff for doing a great job tirelessly and I really appreciate the team who came to specialist hospital Lokoja today to clarify some issues between the pharmacy department and my wife. Thank you so much for the great job, more grace to your elbow"

ZHICOPELLER

"I want to sincerely appreciate the Kogi State Government for this initiative, else where would I have gotten the funds for the appendix surgery. I just got discharged yesterday and I can tell you that I was not asked for a kobo until when I was to be discharged. You would not even want to know how much I paid it was just a ridiculous amount of money for removing a ruptured appendix that almost took my life. God bless Ododo God bless Kogi State "

Evara

"I write to appreciate the management and staff of Kogi State Health Insurance Agency for being prompt and responsive to issues that bother enrollees. I also want to announce that my money has been refunded, Thanks to you all"