The Tertiary Institutions Social Health Insurance Programme (TISHIP) is a social security system whereby the health care of students in tertiary institutions is paid for from funds pooled through the contributions of students. It is a programme committed to ensuring access to qualitative healthcare service for students of tertiary institutions thereby promoting the health of students with a view to creating conducive learning environment.
Membership is for students (full and part-time) of Federal, State and Private Tertiary Institutions. Tertiary institutions are categorized as Universities, Colleges of Education, Polytechnics, other specialized Colleges of Agriculture and Monotechnics, Schools of Nursing, Midwifery and Health Technology etc.
The objectives of this programme are:
- To ensure that every student in tertiary institutions has access to good health services.
- To protect students and families from the financial hardships of huge medical bills.
- To maintain high standard of health care delivery services within tertiary institutions
- To ensure availability of funds to the tertiary institution health centres for improved services
- To take cognizance of the peculiar health needs of students in the design of the programme, including access to periodic health education and outreaches.
Tertiary institutions chooses Maayoit Healthcare Limited as HMO to administer TISHIP, Maayoit will register students at the beginning of the academic year and new students would be registered at the beginning of every academic year.
The NHIS Standard Benefit Package is selected to suit the healthcare needs of students. It includes the following:
- Out-patient care, including necessary consumables (as contained in the NHIS Drug List).
- Prescribed drugs, pharmaceutical care and diagnostic tests as contained in the NHIS Drugs List and Diagnostic Test Lists.
- Consultation with range of specialists such as physicians, surgeons, ophthalmologists, etc
- Hospital care in a standard ward for a stay limited to cumulative 21 days per year following referral. The primary facility shall pay per diem for the initial 15 cumulative days of hospitalization while The HMO shall pay for bed space for the remaining cumulative 6 days per year (except in orthopaedics and other special cases as in the NHIS operational guidelines). Thereafter, the beneficiary/institution pays.
- Eye examination and care, excluding the provision of Spectacles and contact lenses;
- Dental care (excluding those in the exclusion list).
- Emergency care for accident cases.
- Health Education on relevant health issues including drug addiction, smoking, sexually transmitted diseases and counselling and testing for HIV/AIDS.
- Health and family planning education and counseling.
- All enrollees are entitled to treatment at the nearest NHIS accredited healthcare facilities on emergency.
Note: Additional services can be provided at the request of the tertiary institutions to address any additional identified needs. These extra services will be costed accordingly by the HMOs. Tertiary Institutions could gain the services of the HMO to prepare a customized benefit package if they so wish.
