One of the most common reasons Nigerians feel disappointed with health insurance is a lack of understanding of what is actually covered and what is excluded. Many assume health insurance pays for all medical expenses, which is not always true. This article clearly explains what health insurance covers and what it does not cover, helping […]
Many Nigerians use the terms HMO and health insurance interchangeably, but they are not the same. While they are closely related, each plays a distinct role in Nigeria’s healthcare financing system. This article clearly explains the difference between HMO and health insurance in Nigeria, how each works, their responsibilities, and how to know which one
Health insurance in Nigeria is designed to help individuals and families pay for medical care without suffering financial hardship. However, many Nigerians still do not understand how the system works, especially the role of the National Health Insurance Scheme (NHIS), now strengthened under the NHIA Act. This article explains how health insurance works in Nigeria
Mass enrolment in health insurance in Nigeria has been identified as a critical solution to the growing issue of brain drain, according to a top executive of a Health Maintenance Organisation (HMO). The executive explained that inadequate access to quality healthcare and rising medical costs continue to push skilled professionals to seek better living conditions
The Lagos State Government has officially ordered the demolition of the Great Nigeria Insurance (GNI) House, a 25-storey building located on Martins Street, Lagos Island, following a devastating fire earlier this week. The building, once a landmark in Lagos, has suffered severe structural damage and is now considered unsafe for occupancy or restoration. What Happened?
When it comes to motor insurance in Nigeria, many vehicle owners confuse the terms insurance certificate and insurance policy. While both documents are related to your coverage, they serve different purposes and have unique legal and practical implications. Understanding the difference is important to ensure compliance, proper claims handling, and full protection under the law.
Motor insurance fraud is a serious problem in Nigeria, costing insurers and policyholders billions of naira annually. Understanding how fraud occurs, recognizing red flags, and knowing how to prevent it is essential for every vehicle owner. If you are new to motor insurance, consider reviewing our Motor Insurance Guide to understand the full landscape of coverage,
Many motor insurance policyholders hear the terms No-Claims Bonus and Excess but often confuse them or assume they mean the same thing. While both concepts affect how much you pay under a motor insurance policy, they serve completely different purposes.Understanding the difference between No-Claims Bonus and Excess is essential for making informed decisions about claims,
No-Claims Bonus (NCB) is one of the most misunderstood aspects of motor insurance in Nigeria. Many vehicle owners hear about it only when renewing their motor insurance policy, yet few fully understand how it works, how it is calculated, or how it can significantly reduce insurance costs over time.This guide explains No-Claims Bonus in simple
Motor insurance is meant to provide financial protection after accidents, theft, or damage. However, disputes sometimes arise when a claim is delayed, reduced, or rejected entirely. This article explains why motor insurance claims disputes occur, common causes of disagreement, and the proper channels for resolving them in Nigeria. What Is a Motor Insurance Claims Dispute?
