Understanding the 2022 Universal Health Insurance Coverage Bill

Membership registration

  • Public servants and Employees of companies in which the Government has more than 30 percent of shares will join through the Public Health Insurance Fund
  • Other workers from the formal private sector and the informal sector will have the freedom to choose to join the Public Health Insurance Fund or Private Health Insurance Funds
  • The registration of members will be done according to the household procedure where according to the Law a household can be formed by: Father, Mother and four dependents (Dependents can be a member's parent, in-laws, biological, adopted, or foster children, blood relatives under the age of 21) or One person

Membership Contributions

The recommended rates are based on medical costs, the ability of citizens and experience in the health insurance market for public health insurance funds as well as private health insurance companies.

  1. Public servants and employees of private companies to contribute 6 percent of the employee's salary. NB: For private sector purpose, the Definition of salary as per the NSSF Act, 2015)
  2. Citizens in the informal sector will contribute to the level set by the Minister responsible for health. The rates will be stipulated in the regulations of the proposed Law.
  3. For a family whose household exceeds 6 people, those who exceed will have to form another household and contribute the set amount 
  4. For citizens in the public sector and the formal private sector, the contribution will be made every month, 
  5. Citizens in the informal sector, the contribution will be made annually, and the member will be required to renew his membership.

Benefits Packages

  1. Basic Benefit Package: The package will be the same as that currently offered to public servants and will be provided by the Public Health Insurance Fund and private health insurance companies. The beneficiary will receive services from the Dispensary level to the National Hospital with patients being referred from one level to another. Specifically, beneficiary to get services in Government, Private and Religious health centers.
  2. Additional benefit package: Public Scheme and Private Health Insurance Companies under the supervision of the Authority can establish additional benefit package according to the Beneficiaries' Needs.
  3. Special benefits fund: The responsible minister can establish a special fund to improve
    and increase the scope of access to quality health services.
  4. People with disabilities: The Minister will establish a procedure to identify people with disabilities and they will be given special identifications.

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