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Reaching UN SDG 3 throughout the Nationwide Well being Insurance coverage Authority Act, 2022


At a three-day summit on sustainable building held in New York in 2015, the 193 member states of the United Countries (“UN”) unanimously licensed a world scheme to score a sustainable long term and finish poverty by means of 2030 by means of committing themselves to the 17 life-changing targets prevalently considered Sustainable Construction Objectives (“UN SDGs”). Excellent fitness/wellbeing is indexed because the 3rd UN SDG (“SDG 3”) and is designed to, among others, “considerably building up fitness financing and the recruitment, building, coaching and retention of the fitness group of workers in creating international locations, particularly in least advanced international locations.” The inclusion of SDG 3 among the UN SDGs is unsurprising since a wholesome existence and progressed lifestyle constitute two of the 3 key dimensions of human building.

In a bid to stimulate festival and to decide the extent of compliance of its member states with the UN SDGs, the UN lately ranked its member states by means of their total rating (which measured development in opposition to reaching all UN SDGs) and ranked Nigeria 139 out of the 193 individuals. The implication of that is that the rustic is fairly lagging at the back of in its dedication to reaching the UN SDGs (together with SDG 3). If truth be told, consistent with a survey carried out by means of Knoema, the mortality charges in Nigeria as at 2020 for babies, kids underneath 5, adults and sixty-plus have been 57.86 deaths (according to thousand are living births), 95.12 deaths (according to thousand are living births, 27. 23 deaths (according to 100 inhabitants) and 23.54 deaths (according to 100 inhabitants) respectively. The typical fee of loss of life in Nigeria is significantly prime and a contributory issue to this is the truth that numerous Nigerians are living underneath the nationwide poverty line and can not come up with the money for the prime value of fitness care.

Enactment of the Nationwide Well being Insurance coverage Authority Act 2022

To make certain that Nigerians and different authorized citizens within the nation have get right of entry to to elementary fitness care in compliance with SDG 3, President Muhammadu Buhari lately signed the Nationwide Well being Insurance coverage Authority Act 2022 (“NHIA Act”) into legislation. This text examines the cutting edge provisions of the NHIA Act and concludes that best complete implementation of the ones provisions, moderately than the mere enactment of the NHIA Act would translate to the success of SDG 3.

Additional, there have been extensively circulated incorrect information that the NHIA Act imposes a telecommunications tax of no longer not up to 1Kobo according to 2nd of GSM calls as a supply of investment for the Inclined Crew Fund established underneath the NHGF. Whilst no such provision exists within the NHIA Act as the supply in terms of the stated tax (which hitherto featured within the NHIA Invoice) was once expunged from the overall model signed into legislation by means of the President, this newsletter examines the root of the removing of the tax from the NHIA Act and its have an effect on at the attainment of SDG 3.

Compliance with SDG 3: Inventions of the NHIA Act/Implementation Demanding situations

The NHIA Act repealed the Nationwide Well being Insurance coverage Scheme Act 2004 (“NHIS Act”) and establishes the Nationwide Well being Insurance coverage Authority (“Authority”) as a frame company with the accountability of marketing, regulating, and integrating medical insurance schemes in Nigeria. Thus, the Authority is empowered to (a) make certain that medical insurance is obligatory for each Nigerian and authorized resident; (b) put in force the elemental minimal bundle of fitness services and products for all Nigerians throughout all medical insurance schemes working throughout the nation; and (c) devise a mechanism for making sure that the elemental fitness care wishes of indigents are adequately equipped for.

Learn additionally: Medical insurance in Africa: Methods to near the massive hole

In furtherance of the above, the NHIA Act supplies that each individual resident in Nigeria is needed to procure medical insurance. Likewise, each state of the Federation in addition to the Federal Capital Territory might for the aim of offering get right of entry to to fitness services and products by means of its citizens determine a medical insurance and contributory scheme to hide all citizens of the state. Whilst the above provisions of the NHIA Act are laudable and accord with the spirit of SDG 3, SDG 3 in itself will not be accomplished throughout the NHIA Act if the similar isn’t carried out to the letter.

The Nigerian Govt has over time enacted law aimed toward selling the welfare of Nigerians. For instance, in a bid to make certain that Nigerians have get right of entry to to the needful financing in opposition to changing into householders, the Federal Govt enacted the Nationwide Housing Fund Act (“NHF Act”). The NHF Act mandates each employer having in its employment, an worker incomes a elementary wage of N3,000 and above according to annum, to deduct 2.5 according to cent of the per 30 days wage of that worker as the worker’s contribution to the Nationwide Housing Fund. Sadly, nearly all of employers don’t agree to the NHF Act. In keeping with a survey carried out in 2021, about twenty-six million families in Nigeria don’t personal their properties.

In consequence, whilst the enactment of the NHIA Act is a step in the best route, compliance with SDG 3 would best be accomplished throughout the NHIA Act the place its provisions are utterly carried out, in an effort to improving the nice fitness and wellbeing of Nigerians.

The VGF: Exclusion of Telecommunications Tax from the NHIA Act

The NHIA Act establishes the VGF to supply finance to subsidize the price of provision of fitness care services and products to prone individuals in Nigeria. The assets of financing for the VGF come with the (a) Elementary Care Provision Fund; (b) Well being Insurance coverage Levy; (c) Particular Intervention Fund allotted by means of the federal government and appropriated to the VGF; (d) cash that accrues to the VGF from funding made by means of the Governing Council of the Authority; (e) grants, donations, items and another voluntary contribution made to the VGF.

Previous to the enactment of the NHIA Act, a telecom levy of no less than 1Kobo according to 2nd for GSM calls was once to begin with integrated within the NHIA Invoice as a supply of financing unfastened healthcare for prone teams. If truth be told, upon the passage of the NHIA Act, a famend tax knowledgeable in Nigeria, Taiwo Oyedele tweeted that “with the lately handed Nationwide Well being Insurance coverage Authority Act 2022 enforcing a telecom levy on calls, the 2022 Fiscal Coverage Measures & Tariff Amendments enforcing an excise tax on pre/postpaid services and products, along with the present VAT at 7.5% which took impact from Feb 2020 the overall tax on GSM calls is now 21.5%”. Additional, telecommunication operators, presuming the inclusion of the telecom levy within the NHIA Act, faulted the legislation at the foundation that subscribers gets much less price for any knowledge subscription they make if the stated tax is carried out. Whilst this seems to be a legitimate argument in opposition to the inclusion of the telecommunication tax, the truth is that the inclusion and implementation of the telecom levy to lend a hand prone individuals would give a contribution immensely to Nigeria’s success of SDG 3.

Particularly, the Authority has debunked the inclusion of telecommunication tax within the NHIA Act. Moreover, a cautious assessment of the NHIA Act finds that telecommunications tax isn’t probably the most assets of financing for VGF.


This author hopes that the Federal and State Governments will absolutely enforce the placing inventions of the NHIA Act to pressure Nigeria’s success of SDG 3. It’s additional was hoping that the designated assets of financing for the VGF highlighted within the NHIA Act will adequately maintain prone individuals.

Achieving UN SDG 3 through the National Health Insurance Authority Act, 2022