FAQs ON KOGI STATE HEALTH INSURANCE AGENCY

How much do I contribute monthly from my salary if I am an employee of the Government (State or Local)?

You will be contributing 3.5% off your basic salary while your employer will compliment it with 5% of your basic salary

How much do I contribute monthly if I am an employee in the private sector?

You will be contributing 5% off your basic salary while your employer will be paying 10% of your basic salary.

How many members of my family are covered in the scheme if I am contributing as an employee of the Government?

You (The Principal Enrollee), Your Spouse (Wife or Husband), and Four biological Children below the age of 18 years.

What happens to my children once they attain 18 years of age?

They are automatically removed as dependents. You may register them under our Vital Contributor Plan at Fifteen thousand Naira (#15,000) per annum or they join the TISHIP programme if they are students of any of the State owned Tertiary Institutions in the State.

How many members of my family are covered in the scheme if I am contributing as an employee of the private sector?

You (The Principal Enrollee), Your Spouse (Wife or Husband), and Four biological Children below the age of 18 years.

Which plan can I subscribe for if I dont work with the GOvernment or private sector or if I am self-employed?

You will be enrolled as an individual into our vital contributor plan after payment of annual premium of #15,000 into the KGSHIA bank account.

How long do I wait before acccessing care at my Hospital of choice (Waiting Period)?

fir enrollees working with the government or private sector, waiting period is (90 days) while for enrollees under the Vital Contributor plan of #15,000, per annum, waiting period is 1 month.

How do I register an additional family member?

Pay additional premium of #15,000 into the KGSHIA Bank Account for them to be enrolled.

How do I register myself and family members in the scheme?

Visit us at KGSHIA office located behind Bishop's court beside Dafeyo Hotel Lokoja or Call 018885644

How much do I pay if I want to register group of persons for example, people in my community?

Youw will pay #15,000 per person if the group of persons are less than 100 persons. But if they are 100 and above, there is a 20% discount, so you will pay #12,000 per person.

Does the #15,000 premium for individuals in the Vital Contributor covers for dependents (spouse and children less than 18 years)?

No, It is an individual plan, it covers only You.

How do I select my healthcare provider?

Check the list of our accredited health care providers and select any of your choice.

Who do I complain to if I am not satisfied with the services of my healthcare provider?

Complain to KGSHIA through our customer care contact 018885644 or at our Office Complaint Desk.

Can I change my Healthcare Provider and When?

Yes, you can change your Healthcare Provider but after 6 mpnths of accessing healthcare.

How can I replace my lost KGSHIA ID Card?

Follow the steps listed below

  • Come with a Police report to KGSHIA office
  • Write to KGSHIA for replacement of lost ID Card
  • Obtain KGSHIA replacement form and fill
  • Pay a token of #500 to KGSHIA account
  • A new Card will be printed for you

When Can I replace my dependent

You can replace your dependents for any of the reasons listed below

  1. When the dependents are above 18 years of age.
  2. In cases of death, divorce etc

How much do I Pay to change my Healthcare Provider.

It is free of charge.

Can I choose alternate healthcare provider outside my workstation for my dependents not living with me?

Yes but it has to be within Kogi State.

If my Spouse and I are both working at the same level of Government or Private Office, Can only one of us register and contribute?

Yes, both of you must be registered because deduction is from both salaries. Register and include other dependents not accomodated by your Spouse.

I am a dependentin NHIS under my Spouse, Do i still have to register under KGSHIA?

Yes because your premium will still be deducted from your salary.

Can KGSHIA refund my deductions since I have not been going to the Hospital to access care?

No, your premium would not be refunded to you because Health Insurance invloves pooling of funds and sharing the risk..

Whom do I call at the time of any Emergency hospitalization?

Call KGSHIA. 018885644