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Tag: Health Insurance

  • House moves to enforce health insurance compliance in private companies

    House moves to enforce health insurance compliance in private companies

    The House of Representatives has called for strict enforcement of compliance with the provisions of the National Health Insurance Authority (NHIA) Act, 2022, particularly as it concerns the participation of private companies in the mandatory health insurance scheme for employees.

    This followed the adoption of a motion titled “Need to Enforce the Compliance of the Provision of Health Maintenance Organisations (HMO) in Private Companies,” sponsored by Hon. Felix Uche Nwaeke during Thursday’s plenary.

    Presenting the motion, Hon. Nwaeke expressed concern over the widespread refusal of many private companies across the country to comply with the law mandating them to enroll their staff in accredited Health Maintenance Organisations (HMOs).

    He noted that the National Health Insurance Act, 2022, makes health insurance compulsory for all Nigerian employees in private establishments with more than five staff members, in addition to those in the public sector.

    According to him, the NHIA is empowered to grant accreditation and regulate the operations of HMOs in the country to ensure that both employers and employees have access to suitable and sustainable healthcare plans.

    READ ALSO; Prof. Amupitan: 10 quick facts about new INEC chairman

    Nwaeke further explained that under the Act, private companies and employers are required to contribute 10 percent of an employee’s basic salary, while the employee contributes 5 percent, making a total of 15 percent, meant to guarantee access to healthcare services.

    However, he lamented that “most private companies have totally refused to enroll their staff or make the mandatory contributions to the scheme,” thereby exposing employees to severe health risks and financial hardship during medical emergencies.

    He warned that the non-compliance by private companies not only undermines the intent of the NHIA Act but also deprives workers of the health benefits and protections guaranteed by law.

    “The refusal of employers to enroll staff into any healthcare plan leaves many workers to their fate in times of sickness, with no form of institutional support,” he said. “This defeats the essence of the health insurance reform, which was designed to make healthcare accessible and affordable to all Nigerians.”

    Adopting the motion, the House urged the National Health Insurance Authority to immediately begin compiling data on defaulting private companies and to sanction those found to be violating the law.

    It also mandated the House Committee on Healthcare Services to ensure full compliance with the provisions of the Act and to report back within four weeks for further legislative action.

    Lawmakers emphasized that enforcing compliance would not only promote the health and well-being of Nigerian workers but also strengthen the country’s health insurance system and reduce the burden on public hospitals.

    The motion was widely supported by members who described it as timely and necessary to ensure accountability in the private sector’s role in national healthcare delivery.

    With the House resolution, attention is now on the NHIA to act decisively against erring companies and ensure that every eligible employee in the private sector is enrolled in a certified health insurance scheme as stipulated by law.

  • Lagos restates commitment to mandatory health insurance for all residents

    Lagos restates commitment to mandatory health insurance for all residents

    • By Rabiat Abdullahi

    Lagos State Governor, Babajide Sanwo-Olu, has reaffirmed his administration’s resolve to achieve Universal Health Coverage (UHC) for all residents, announcing the signing of an Executive Order that makes health insurance mandatory across the state. Speaking at the maiden edition of the 2025 Eko Health Convention held on Tuesday in Lekki, the governor—represented by his deputy, Dr. Kadri Obafemi Hamzat—said the new order aligns with the National Health Insurance Act and underscores Lagos’ determination to build a fair and sustainable healthcare system.

    “When we launched the Ilera Eko Health Insurance Scheme in February 2021, we made it clear that universal health coverage requires a reliable and inclusive system,” Sanwo-Olu said. “In July 2024, I signed an Executive Order making health insurance mandatory for all residents of Lagos State. Without a shared pool of resources, universal coverage is impossible.”

    He explained that mandatory health insurance would protect families from catastrophic health expenses, strengthen hospitals, and promote equity in access to care. Sanwo-Olu stressed that effective health insurance must be complemented by a robust emergency response system, adding that the state had continued to strengthen the Lagos State Ambulance Service (LASAMBUS) to ensure swift, efficient, and compassionate responses during medical emergencies. “Timely and efficient emergency care must be a right, not a privilege. The Lagos Emergency Medical Blueprint is already saving lives,” he said.

    According to the governor, Lagos currently operates 360 public health facilities and over 3,500 private hospitals, forming an integrated ecosystem where both sectors collaborate to expand access and bridge service gaps. He urged health stakeholders to deepen investments in innovation, expand corporate social responsibility, and reimagine the future of healthcare through technology and creativity—“ensuring a system where access is determined not by income, but by need.”

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    Sanwo-Olu also emphasised that public health progress is a shared responsibility, calling on citizens to enrol in health insurance schemes, participate in vaccination campaigns, eliminate mosquito breeding sites, report quackery, adopt healthy lifestyles, and demand quality care. He noted that his administration has consistently prioritised Health and Environment under its THEMES agenda, pledging to sustain a healthcare system that is accessible, affordable, innovative, and of the highest quality.

    Highlighting key achievements, the governor listed the commissioning of new Maternal and Child Centres (MCCs) in Eti-Osa, Badagry, and Epe, the renovation and expansion of General Hospitals, and the construction of major health facilities, including the New Massey Street Specialist Children’s Hospital, the Ojo General Hospital, the Lagos State Mental Health Institute in Ketu-Ejirin, and the Cardio-Renal Centre in Gbagada.

    In his presentation, the Commissioner for Health, Prof. Akin Abayomi, described the new Lagos Health Transformation Blueprint as a bold and data-driven strategy that will position Lagos as Africa’s healthcare powerhouse, reducing mortality rates and boosting economic productivity. He revealed that Lagos loses about $1.5 billion annually to outbound medical tourism—a figure higher than the state’s total health budget. “Our goal is clear: Lagos must become the health capital of sub-Saharan Africa—not just for Nigerians, but for the entire continent,” Abayomi said.

    According to him, the blueprint includes climate-resilient hospital designs, modern general hospitals, a 500-bed psychiatric and rehabilitation centre, and the establishment of the Lagos State University of Medicine and Health Science. He also unveiled plans for a Smart Health Information Platform (SHIP)—a digital network linking all public hospitals and primary healthcare centres for real-time data sharing and informed decision-making. Abayomi added that Africa must begin to build health systems that are environmentally sustainable, technologically advanced, and globally competitive, reducing dependence on foreign medical care and positioning Lagos as a hub for medical innovation and tourism.

    In her remarks, the Special Adviser to the Governor on Health, Dr. Kemi Ogunyemi, reaffirmed the state’s commitment to providing quality and affordable healthcare for all residents. She stressed the importance of collaboration and public-private partnerships (PPPs) in achieving lasting transformation. “We believe in collaboration because government cannot do it alone,” Ogunyemi said. “Our vision is to educate and empower citizens to take full control of their health and wellness, while ensuring that every resident receives quality healthcare services.” With the Executive Order now in force, Lagos becomes the first state in Nigeria to legally mandate health insurance coverage for all residents—a move experts say could serve as a blueprint for national health financing reform and bring Nigeria closer to achieving universal health coverage.

  • President orders implementation of health insurance in MDAs

    President orders implementation of health insurance in MDAs

    • Fed Govt moves to expand coverage, cut out-of-pocket spending

    President Bola Ahmed Tinubu has directed the compulsory implementation of health insurance across all Ministries, Extra-Ministerial Departments, and Agencies (MDAs) in line with the provisions of the National Health Insurance Act (NHIA) 2022.

    In a new directive yesterday, the President ordered the Secretary to the Government of the Federation (SGF) to circulate a service-wide instruction mandating strict compliance with the Act, which was passed three years ago but has yet to achieve national coverage.

    A statement by the Special Adviser to the President on Information and Strategy, Mr. Bayo Onanuga, said the directive focuses on five key areas designed to expand health coverage, reduce out-of-pocket expenditures, and strengthen accountability in the public and private sectors.

    First, all MDAs are required to enrol their employees under the NHIA health insurance plan, while supplementary private insurance may also be taken up, where necessary, provided it aligns with the law.

    Secondly, any entity seeking to participate in public procurement processes must present a valid NHIA-issued Health Insurance Certificate. This certificate, the President stated, would be a mandatory eligibility requirement before continuing with procurement-related engagements.

    READ ALSO: Tinubu seeks NASS backing to fast-track State Police

    Thirdly, the directive stipulates that MDAs must demand valid NHIA Health Insurance Certificates as a precondition for issuing or renewing licences, permits, and other official approvals.

    To ensure transparency, the NHIA will develop a digital platform for easy verification of Health Insurance Certificates.

    This system is expected to streamline compliance checks and eliminate fraudulent documentation.

    Finally, all MDAs are mandated to collaborate with the NHIA in developing internal procedures to verify the authenticity of certificates and to ensure continuous compliance monitoring.

    President Tinubu also called for constructive dialogue with the private sector to ensure that businesses are not unduly burdened by the requirements.

    He stressed the importance of implementing the NHIA Act without delay.

    The NHIA Act, 2022, makes health insurance compulsory for all Nigerians and empowers the Authority to implement measures that guarantee universal health coverage.

  • Health Insurance: Farmer governor enrolls in NiCare

    Health Insurance: Farmer governor enrolls in NiCare

    Niger State Governor, Farmer Dr. Mohammed Bago, has publicly and officially enrolled in his State’s health insurance scheme, Niger State Contributory Health Scheme (NiCare), reaffirming his administration’s commitment to accessible and quality healthcare for all residents.

    Nearly all 36 State governments, including the Federal Capital Territory (FCT), have launched their health insurance schemes, bringing national enrollment figures to over 19 million as of February 2025.

    Bago was formally enrolled into the NiCare by the Executive Secretary (ES) of the agency, Sulayman Abu-Bakr, at the Government House in Minna on Monday, during the launch of the NiCare’s Revised Operational Guideline and Health Equity Fund.

    The Deputy Governor, Comrade Yakubu Garba, and the Secretary to the State Government (SSG), Abubakar Usman, also joined the governor in registering in a symbolic demonstration of leadership by example.

    Highlighting the importance of adopting the health insurance scheme, the Governor urged residents to take advantage of the scheme to ease the financial burden of healthcare, noting that NiCare is a key part of his administration’s strategy to improve health outcomes and promote inclusive access to medical services across the state.

    Reiterating the government’s broader health agenda, Bago said, “Our goal is simple: no one in Niger State should be left behind when it comes to accessing quality healthcare.”

    While highlighting the multiple benefits of NiCare, the governor encouraged the formal sector workers, in particular, to leverage the scheme to minimize out-of-pocket health expenses and improve overall health outcomes.

    He commended the Executive Secretary for the transformation taking place within NiCare and the impressive increase in enrolment, while calling on the stakeholders to rally behind the program.

    Read Also: 1,000 women to enjoy health insurance

    “Public trust is public wealth,” he added, emphasizing the importance of shared responsibility in sustaining the scheme.

    He further underscored his administration’s resolve to reform healthcare delivery, citing the approval and launch of the Revised Operational Guideline and Health Equity Fund.

    The development, he said, represents a major shift in the administration’s approach to health governance, adding, “These revised guidelines are more than policy, they represent a cultural shift toward accountability, performance, and inclusivity”.

    He also commended the NiCare team for their commitment, innovation, and results-driven approach, describing the progress made under their leadership as tangible evidence of effective governance.

    “We are not just expanding directorates—we are expanding possibilities. From our civil servants to market women and the vulnerable, everyone deserves access to the dignity of care,” he added.

    Earlier, NiCare’s ES, Abu-Bakr, detailed the agency’s recent reforms and milestones, highlighting the expansion of directorates from five to six, the establishment of a Health Equity Fund, the introduction of a Private Sector Health Plan, and a new Incentive System aimed at rewarding outstanding staff.

    Abu-Bakr described the developments as a turning point for NiCare, noting a 160% growth in enrolment from 53,000 to 139,000, attributing it to the governor’s strong political will.

    He emphasized the significance of the governor’s formal launch of NiCare’s revised documents, saying, “These reforms are not just structural, they are strategic steps toward optimizing our service delivery model.

    “They reflect the vision of Governor Umaru Bago, whose Livelihood Improvement Agenda places health at the heart of development.

    “These revised guidelines will strengthen our operational efficiency and provide a robust framework for institutionalized rewards and sanctions, ensuring that our health facilities under the scheme are more accountable and effective.

    “We are proud to have the Farmer Governor, the Deputy Governor, and the SSG officially enrolled into NiCare, that is a powerful display of leadership by example.”

    He assured that the agency would remain a critical pillar in advancing the Governor’s Livelihood Improvement Agenda and committed to building a healthier and more productive Niger State.

  • 1,000 women to enjoy health insurance

    1,000 women to enjoy health insurance

    The Aleeta Foundation and GoWellness have launched a Free Basic Health Insurance Initiative targeting 1,000.

    Spearheaded by wellness advocate and GoWellness Chief Executive, Dr. Gloria Praise, the initiative provides free maternity care—prenatal, delivery, and postpartum services—with holistic wellness support for women in underserved communities.

    “Our goal is simple: to make wellness accessible and affordable for every woman. “Health isn’t just about hospitals—it’s also about prevention, balance, and care,” Dr. Praise said.

    Read Also: Health Insurance: NHIA goes tough over delayed service delivery

    GoWellness, with centres in Abuja and Port Harcourt, promotes alternative therapies – fitness programmes, aromatherapy, and wellness education, bridging gaps in conventional medical care.

    It kicked off in April with enrolment of 250 women in Abuja, Lagos, and Port Harcourt. More states will be included.

    Funded by Dr. Praise herself, the initiative highlights a private-sector-driven approach to community health. The partners are urging corporate sponsors, development partners, and private citizens to support the programme’s growth.

  • FCT enrols 198,810 residents in health insurance scheme in one year

    FCT enrols 198,810 residents in health insurance scheme in one year

    A total of 198,810 residents of the Federal Capital Territory (FCT) were enrolled in the Federal Capital Territory Health Insurance Scheme (FHIS) in the last one year, including 10,065 pregnant women who were registered free.

    FCT Minister, Nyesom Wike’s Senior Special Assistant on Public Communications and Social Media, Lere Olayinka, said in a statement on Tuesday, that since the inception of the Wike-led Federal Capital Territory Administration (FCTA), significant increase had been witnessed in the FHIS enrolment, with over 100 percent of annual enrolment target of 25,000 lives per annum surpassed by 17 per cent and 44 per cent.

    In the FCTA’s ressolve to end maternal and infant mortality resulting from avoidable and preventable causes, Olayinka said; “of the 198,810 residents enrolled, 10,065 vulnerable persons, including pregnant women enjoyed free enrollment, which allows them free access, through the Primary Health Care (PHC) Centres, to all services covered in the Basic Minimum Package of Health Services (BMPHS).

    “The services include primary preventive care, screening, primary emergency services, and secondary level care such as dental, mental, eye, ear, nose and throat care, physiotherapy, surgeries, laboratory investigations, radiological investigations such as ultrasound scan, x-rays.”

    The FCT Minister’s Spokesperson, who urged residents to key into the FHIS by registering for the scheme, said free registration for vulnerable persons, including pregnant women, which commenced in February, this year was still on.

    Read Also: FCTA vows to reducing maternal, child mortality

    He said all pregnant women who enrolled through the Basic Health Care Provision Fund (BHCPF) Primary Health Care (PHC) Centres across the six Area Councils in the FCT will continue to enjoy free health education, medical consultation and treatment, routine antenatal drugs, laboratory investigations and delivery.

    “Referral for secondary care including caesarean section, blood transfusion, and treatment of other obstetric complications such as eclampsia, at all the 14 General Hospitals in the FCT is also provided at no cost to the patient through the BHCPF”.

    Quoting the Mandate Secretary of the FCT on Health Services and Environment Secretariat, Dr. Adedolapo Fasawe, who was speaking at an event in Gwarinpa District Hospital, commemorating the 2025 World Health Day, “the FCTA under the leadership of Barrister Nyesom Wike has intensified efforts to combat maternal and infant deaths. 

    “A key intervention is the approval of free health insurance coverage for all pregnant women residing in the FCT, ensuring that all childbirth-related expenses, including vaginal and cesarean deliveries, are fully covered at no cost. The initiative formed part of activities marking this year’s event under the Renewed Hope Initiative, which maintains a zero-tolerance stance on maternal and infant mortality.

    “In alignment with the Federal Government’s Renewed Hope Agenda, several hospitals in the FCT, including Gwarinpa, Nyanya, Abaji, and Kuje General Hospitals, have been designated as Comprehensive Emergency Obstetric and Neonatal Care (CEONC) centers. These facilities will also offer cesarean sections free of charge.”

  • ‘Give the poor health insurance, free medication’

    ‘Give the poor health insurance, free medication’

    The Chairman of St. Racheal’s Pharma,  Akinjide Adeosun, has urged the Federal Government to improve  access to  healthcare for vulnerable Nigerians.

    He said the government should expand health insurance coverage and ensure free access to essential medicines.

    He made this appeal during the company’s 7th anniversary celebration.

    Adeosun, a pharmacist, emphasised the need for urgent reforms to improve healthcare .He  praised the government’s removal of import duty and Value Added Tax (VAT)  on pharmaceutical materials but stressed the need for more reforms.

    “This move will help reverse the current 60:40 ratio of imported to locally produced drugs, boosting local manufacturing,” he said.

    Read Also: Health Insurance: Why women are key to driving coverage, by HMO

    On the  impact of economic difficulties on patients, Adeosun stressed the need for President Bola Tinubu to declare a state of emergency on healthcare.

    “There  are many aspects of economic hardship affecting patients, and drug prices must be reduced. But beyond that, indigent Nigerians should have access to healthcare without financial stress,” he said.

    He berated the current approach to palliative distribution noting that while food and cash are distributed, healthcare remains overlooked.

    “You see palliatives being shared, food, cash, but what about those battling hypertension and diabetes? They should be able to walk into hospitals and receive treatment without worrying about money,” he said.

    He urged the government to provide insurance for the underprivileged, allowing them to access medical care without direct payments.

    “When people have insurance, they know they can go to the hospital without paying upfront. That alone increases demand for healthcare services,” he explained.

    Adeosun also called for the removal of import duties on essential medicines like antibiotics and antihypertensives, that Nigeria does not yet produce locally, ensuring that indigent patients receive them free of charge and affordable to the public. 

    “If we want a healthier nation, we must take bold steps. Why is it so difficult for us to get this right?” he questioned.

    He emphasized the need to bolster medical education by increasing admissions in medical and pharmacy schools, helping to curb brain drain and retain skilled healthcare professionals. 

    Adeosun also touched on the need for stricter quality control in drug distribution and ensuring that only genuine medications reach patients.

    Since its launch in 2018, St. Racheal’s Pharma has provided top-quality antibiotics and antimalarials, while its Akinjide Adeosun Foundation (AAF) continues to offer free medical missions and leadership education.

  • Health Insurance: Why women are key to driving coverage, by HMO

    Health Insurance: Why women are key to driving coverage, by HMO

    A Health Maintenance Organization (HMO) has emphasised the importance of empowering women in leadership as a key strategy for improving the nation’s health outcomes.

    Advocating for placing deserving women in management roles to drive optimal service delivery, the Board of Directors and shareholders of Ultimate Health Management Services appointed two women as directors to strengthen health insurance coverage in the country.  

    The Managing Director and Chief Executive Officer of the HMO, Otunba Lekan Ewenla, stated that the appointments of Tosin Adefeko and Bolajoko Abiola-Odunowo reflect the organization’s commitment to promoting diversity and empowering women in leadership positions within the Organized Private Sector (OPS).

    Ewenla said that the appointment of the two women underscores the organization’s dedication to gender inclusivity, aligning with the global agenda for greater representation of women in corporate leadership and political appointments.

    In a statement on Tuesday, Ewenla emphasized that the board appointments were strategic, aimed at driving the organization’s growth, particularly within the OPS, the informal sector, and professional associations across the country, noting that with health insurance enrollment now mandatory for all Nigerians and legal residents, expanding the board’s expertise was essential.  

    Ewenla added that the appointments were also intended to enhance the board’s capacity and functionality in line with global corporate governance standards and best practices. 

    He highlighted Adefeko’s extensive background as a corporate executive and entrepreneur, bringing over 25 years of diverse experience across multiple industries.

    According to him, Adefeko, the founder and Chief Executive Officer of AT3 Resources, has demonstrated exceptional leadership in business, delivering outstanding results across the financial services, print and broadcast media, and marketing communications industries.  

    Her company specializes in crafting strategic communications and developing brand-driven movements that enhance consumer experience, Ewenla stressed, noting that, with a career dedicated to helping brands thrive, she has earned recognition as one of the top 50 women in marketing communications for two consecutive years. 

    Additionally, he revealed that Adefeko has been named among Africa’s leading women and was recently appointed to the 2024 jury of the International Public Relations Association, among other prestigious accolades.  

    Read Also: Health insurance: Oyo enrols 10,000 primary school pupils

    Adefeko is also deeply committed to gender inclusion, equity, and female empowerment, he added, noting that as an active member of Women in Managing Business, she has served on multiple committees and chaired the communications committee for the annual conference for three years.  

    Similarly, Ewenla highlighted Abiola-Odunowo as a distinguished business executive with a multifaceted career spanning over three decades in finance, law, and logistics. 

    Pointing out that with extensive experience in treasury management and financial analysis, Ewenla noted that Abiola-Odunowo possesses a deep understanding of financial operations and risk management. 

    Her career, he said also extends to the oil and gas, real estate, and environmental law sectors, where she specializes in regulatory compliance and navigating complex legal frameworks.  

    “Renowned for her ability to drive results and foster lasting business relationships, Abiola-Odunowo continues to make significant contributions to the evolution of Nigeria’s logistics landscape”, Ewenla noted.

  • Health insurance: Oyo enrols 10,000 primary school pupils

    Health insurance: Oyo enrols 10,000 primary school pupils

    No fewer than 10,000 vulnerable children in public primary schools have been enrolled into the Health Insurance Scheme under the Oyo State Health Insurance Agency (OYSHIA).

     Governor ‘Seyi Makinde, who was represented by the Deputy Governor, Abdulraheem Bayo Lawal, presented the health insurance identity cards to beneficiaries at the flag-off of the public primary pupils health insurance scheme, held at the Ibadan Civic Centre, Idi Ape, Ibadan, on Thursday.

    The pupils were drawn from 90 schools across 18 of the 33 Local Government Areas of the state.

    He said: “We have to appreciate OYSHIA for deeming it fit to extend this initiative to public schools in Oyo State. Currently, they have captured 90 schools and we are going to reach around 10,000 pupils within the shortest time.

    “We have five major zones and I know that 18 local government areas have been captured through this current exercise. You must extend this laudable exercise to other zones as well.

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    “UNICEF, we must commend you because, as it has been indicated several decades back, you have given support to our public primary and secondary schools. I want to urge you not to relent in your efforts in giving support.

    “This is because we want these children to grow and showcase their talents under a conducive environment and atmosphere health-wise.

    “The environment is duly challenged as you know. Even, their habitation cannot be described as the best we can have in the world. Some of them are coming from homes that don’t have lavatories and are choked up.

    “But with this intervention, it means that different diseases can be prevented and that is why I am commending your efforts so that our children will be healthy under a good learning environment.”

  • Doctors to govt: we want better health insurance

    Doctors to govt: we want better health insurance

    The Nigerian Medical Association (NMA) and the Nigerian Association of Resident Doctors (NARD) have appealed to the government to create a strong health insurance plan for health workers.

    According to the doctors, a good health insurance policy will help reduce the amount of money health workers spend from their own pockets and improve the quality of healthcare they provide.

    They believe that many doctors are leaving Nigeria to work in other countries because they do not get good benefits, including proper health insurance.

    This situation makes doctors unhappy and affects their work.

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    Speaking to The Nation, a former NARD president, Dr. Emeka Orji, said that the government should reward doctors’ hard work by improving their welfare, including providing proper health insurance.

    According to him, doctors should also be healthy so they can take care of their patients. However, many doctors cannot afford medical treatment when they fall sick, whether in Nigeria or abroad.

    “It is sad to see doctors begging for money to pay for their treatment. This happens every week, either as a group or as individuals,” he said.

    Dr. Orji explained that doctors are treated the same way as ordinary citizens when it comes to healthcare.

    He said they do not have access to good health insurance, so when they fall sick, they have to raise money from the public, adding that this has led many doctors to leave Nigeria in search of better working conditions abroad.

    “If doctors in government hospitals are struggling to access healthcare, what about ordinary Nigerians? It is shocking that doctors, who spend their lives treating people, do not have health insurance that covers more than basic drugs like paracetamol. If they need serious medical treatment, they have to pay for it themselves or ask for donations,” he said.

    The chairman of the Lagos State NMA, Babajide Saheed, also criticized the government for not taking doctors’ welfare seriously.

    He said it is unfair that doctors have to pay for their treatment, surgery, and medicine, even in the same hospitals where they work.

    He added that most doctors cannot afford to go abroad for treatment or visit specialist hospitals in Nigeria because they do not earn enough money.

    “The small money we have is spent on our daily needs. The government should take care of doctors by providing good health insurance for them. If a doctor falls sick, they should not have to worry about how to pay for treatment. They should be able to focus on getting better, knowing that insurance will