Stakeholders Demand Urgent Expansion of Health Insurance as Millions Face Medical Poverty
By: Manoah Kikekon
IKEJA, LAGOS – In a passionate call to action, healthcare leaders, policymakers, and pharmaceutical stakeholders have warned that millions of Nigerians remain just one illness away from financial ruin due to over-reliance on out-of-pocket healthcare spending.
The urgent appeal was made during the 2026 Public Lecture and Mid-Year Meeting of the Board of Fellows of the Pharmaceutical Society of Nigeria (BOF-PSN), held at the Marriott Hotel in Ikeja, Lagos. Gathering under the theme “Insurance-Based Healthcare Financing: Key to Achieving Universal Health Coverage in Nigeria,” experts emphasized that comprehensive health insurance must be treated as a fundamental pillar of national development rather than an exclusive privilege.
Opening the discourse, the Chairman of the Board of Fellows, Pharm. Uchenna Uzoma Apakama, revealed that only between 5% and 8% of Nigerians currently enjoy health insurance coverage. This leaves an estimated 130 million citizens primarily traders, artisans, transport workers, and market women—vulnerable to catastrophic medical expenses.
“The country's low insurance penetration has continued to fuel poverty, as families are forced to finance healthcare from personal savings whenever illness strikes,” Apakama stated. He further noted that despite two decades of health insurance initiatives, Nigeria's Universal Health Coverage (UHC) index remains stagnant at around 40, with over 70% of total health expenditure paid directly out of pocket.
Challenging the societal tendency to prioritize material assets over human life, former Minister of Health Prince Julius Adelusi-Adeluyi, who chaired the event, delivered a striking analogy.
“Begin placing the same value on your health as you do on your material possessions,” Adelusi-Adeluyi urged, questioning why citizens willingly insure luxury cars and properties while neglecting health security until a medical crisis strikes. He called upon pharmacists to spearhead nationwide advocacy, establishing the profession as the frontline of public health education and reform.
Addressing policy gaps, representatives of the National Health Insurance Authority (NHIA) stressed that achieving UHC requires dismantling financial bottlenecks. Speaking on behalf of the NHIA Director-General, Pharm. Femi Adeoye highlighted that the Federal Government's Renewed Hope Agenda is actively leveraging digital innovation and improved provider accreditation to streamline insurance enrollment.
A major milestone of the event was the unveiling of innovative social health insurance frameworks designed to capture the informal economy. Dr. Lekan Ewenla, Managing Director of Ultimate Health HMO, introduced the *U-Health GIFSHIP* (Group, Individual and Family Social Health Insurance Programme) package, tailored specifically for small business owners, artisans, and rural workers.
“Our goal is not simply to sell health insurance, but to make quality healthcare more affordable, more accessible, and more equitable for every Nigerian,” Ewenla explained.
Stakeholders concluded the meeting with a multi-sectoral action plan, urging:
Legislative Support: Members of the National Assembly to channel part of their constituency intervention funds into health insurance premiums for vulnerable constituents.
Data Integration: Merging National Identification Numbers (NIN) and Bank Verification Numbers (BVN) into health databases to optimize tracking and enrollment.
Community Integration: Positioning community pharmacies as frontline health-financing touchpoints to bridge accessibility gaps in remote areas.
By: Manoah Kikekon
IKEJA, LAGOS – In a passionate call to action, healthcare leaders, policymakers, and pharmaceutical stakeholders have warned that millions of Nigerians remain just one illness away from financial ruin due to over-reliance on out-of-pocket healthcare spending.
The urgent appeal was made during the 2026 Public Lecture and Mid-Year Meeting of the Board of Fellows of the Pharmaceutical Society of Nigeria (BOF-PSN), held at the Marriott Hotel in Ikeja, Lagos. Gathering under the theme “Insurance-Based Healthcare Financing: Key to Achieving Universal Health Coverage in Nigeria,” experts emphasized that comprehensive health insurance must be treated as a fundamental pillar of national development rather than an exclusive privilege.
Opening the discourse, the Chairman of the Board of Fellows, Pharm. Uchenna Uzoma Apakama, revealed that only between 5% and 8% of Nigerians currently enjoy health insurance coverage. This leaves an estimated 130 million citizens primarily traders, artisans, transport workers, and market women—vulnerable to catastrophic medical expenses.
“The country's low insurance penetration has continued to fuel poverty, as families are forced to finance healthcare from personal savings whenever illness strikes,” Apakama stated. He further noted that despite two decades of health insurance initiatives, Nigeria's Universal Health Coverage (UHC) index remains stagnant at around 40, with over 70% of total health expenditure paid directly out of pocket.
Challenging the societal tendency to prioritize material assets over human life, former Minister of Health Prince Julius Adelusi-Adeluyi, who chaired the event, delivered a striking analogy.
“Begin placing the same value on your health as you do on your material possessions,” Adelusi-Adeluyi urged, questioning why citizens willingly insure luxury cars and properties while neglecting health security until a medical crisis strikes. He called upon pharmacists to spearhead nationwide advocacy, establishing the profession as the frontline of public health education and reform.
Addressing policy gaps, representatives of the National Health Insurance Authority (NHIA) stressed that achieving UHC requires dismantling financial bottlenecks. Speaking on behalf of the NHIA Director-General, Pharm. Femi Adeoye highlighted that the Federal Government's Renewed Hope Agenda is actively leveraging digital innovation and improved provider accreditation to streamline insurance enrollment.
A major milestone of the event was the unveiling of innovative social health insurance frameworks designed to capture the informal economy. Dr. Lekan Ewenla, Managing Director of Ultimate Health HMO, introduced the *U-Health GIFSHIP* (Group, Individual and Family Social Health Insurance Programme) package, tailored specifically for small business owners, artisans, and rural workers.
“Our goal is not simply to sell health insurance, but to make quality healthcare more affordable, more accessible, and more equitable for every Nigerian,” Ewenla explained.
Stakeholders concluded the meeting with a multi-sectoral action plan, urging:
Legislative Support: Members of the National Assembly to channel part of their constituency intervention funds into health insurance premiums for vulnerable constituents.
Data Integration: Merging National Identification Numbers (NIN) and Bank Verification Numbers (BVN) into health databases to optimize tracking and enrollment.
Community Integration: Positioning community pharmacies as frontline health-financing touchpoints to bridge accessibility gaps in remote areas.