Healthcare that fits
your life & budget
All KGSHIA plans include free emergency care, access to 200+ accredited facilities, and 10% copays at point of care.
Choose your plan
PENSIONERS CONTRIBUTORY HEALTH INSURANCE PLAN(PENCHIP)
For State & LGA Pensioners
- For State and LGA Pensioners
- Premium Contribution: 15,000 per annum
- 10,167 enrollees
- Co-payment: 10% Co-payment
- Individual Package
No lock in. Cancel anytime.
TERTIARY INSTITUTIONS SOCIAL HEALTH INSURANCE PROGRAMME (TISHIP)
Tertiary institution students
- For Students of Tertiary Institutions
- Premium Contribution: Institutional medical fee(#2000 subject to review)
- 44,615 enrollees
- Co-payment: Not applicable
- Individual Package
Must be enrolled in a Kogi institution.
VITAL CONTRIBUTORY HEALTH INSURANCE PLAN(VITALCHIP)
For Individuals, Families and Groups
- For Individuals, Families and Groups
- Premium Contribution: 15,000 per annum
- 1857 enrollees
- Co-payment: 10% Co-payment
- Single/Family/Group Package
Enroll by call, no smartphone needed.
Full Plan Comparison
Every benefit, clearly listed. No hidden exclusions.
| Benefit |
PENCHIP PLAN
₦15,000/year
|
TISHIP PROGRAMME
₦2000/session
|
VITALCHIP PLAN
₦15,000/year
|
|---|---|---|---|
| Premium Contribution | ₦15,000 /annum | ₦2000 /session | ₦15,000 /annum |
| Co-payment | 10% Co-payment | 10% Co-payment | |
| Enrollees | 10,167 | 44,615 | 1857 |
| Package | Individual | Individual | Single/Family/Group |
| Get started | Enroll | Enroll | Enroll |
Download Your Benefit Package
Get the complete official breakdown of all covered services, limits and entitlements across every KGSHIA plan
Full Benefit Package
A complete breakdown of all covered services, annual limits, co-payment schedules and entitlements across the Civil Servant, TISHIP Student and Informal Sector plans.
- All three plan benefits side by side
- Annual limits & co-payment schedule
- Covered medicines & procedures list
- Exclusions & waiting periods
Last updated: January 2025 · Free to download
Who can enroll?
KGSHIA covers a wide range of Kogi State residents
Formal Sector Plan
All confirmed Kogi State Government employees, local government staff, and their immediate families. Must have a valid staff ID.
- Employees of Kogi State Govt.
- Employees of 21 LGAs in Kogi State
- State and LGA Pensioners
Informal Sector Plan
Any Kogi State resident engaged in informal economic activity.
- Employees of Private Sector
- Self-employed Individuals
- Informal Sector Workers;
- Artisans
- Market Traders
- Farmers
- Tricycle Operators
- Okada
- Transport workers
Tertiary Institutions Social Health Insurance Programme
Students enrolled in Kogi State tertiary institutions. Coverage is automatic for participating institutions. Bring your student ID.
- State Owned Tertiary Institutions;
- Abu Audu University Anyigba
- Kogi State University Kabba
- Confluence Uni. of Sci. and Tech.
- Kogi state Polytechnic Lokoja
- College of Edu. Ankpa
- College of Edu. Technical Mopa
- College of health Sci. and Tech. Idah
- College of Nur. and Mid. Obangede
- Nig. Korea Friendship Inst. lokoja
- The school will forward the list of all registered student to KGSHIA for upload on the server
Flexible ways to pay
No bank account? No problem. Multiple payment options available.
Common questions
Still unsure which plan?
Our team can help you find the right cover. Call us free or start enrollment online.