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title: "Nigeria State Health Insurance (SHIS) EMR Guide — DokiTab"
description: "National directory and clinical guide to State Health Insurance Schemes (SHIS) across all 36 Nigerian states and Abuja FCT to automate HMO billing and claims."
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# Nigeria State Health Insurance & EMR Architecture Guide

The definitive national guide for clinic directors, hospital administrators, and medical officers on navigating mandatory State Health Insurance Schemes (SHIS), eliminating HMO deductions, and implementing offline-first digital records across all 36 Nigerian States and Abuja FCT.

## Flagship Metropolitan Healthcare Hubs

Explore detailed clinic operational guides and local health insurance workflows for Nigeria's largest private healthcare markets:

### Lagos State (Ikeja, Lekki, VI)

Mandatory LASHMA (Ilera Eko) compliance, high-volume private HMO verification, Band A power shielding, and 30s rapid triage.

### Abuja FCT (Maitama, Garki, Wuse)

FHIS civil service schemes, diplomatic and VIP confidentiality controls, elective surgical scheduling, and zero appointment delays.

### Port Harcourt & Rivers State

RIVCHS scheme, industrial occupational health screenings, corporate energy retainers, and flood-proof paperless archiving.

## National Directory: All 36 States + FCT Health Schemes

Under the National Health Insurance Authority (NHIA) Act 2022, health insurance is mandatory for all residents. Private clinics and hospitals must align their clinical billing with state-level agencies:

| State & Geopolitical Zone | Primary Urban Hub | State Health Insurance Agency (SHIS) | Primary Clinical Focus | DokiTab Compatibility |
| --- | --- | --- | --- | --- |
| **Lagos State** South West | Lagos | LASHMA (Ilera Eko) | High-volume private multi-specialty hospitals, HMO diagnostic centers, dental practices, and outpatient fertility clinics | ✅ Certified Ready |
| **Federal Capital Territory** North Central | Abuja | FHIS (FCT Health Insurance Scheme) | Diplomatic health clinics, federal referral centers, private surgical hospitals, and specialized pediatric centers | ✅ Certified Ready |
| **Rivers State** South South | Port Harcourt | RIVCHS (Rivers State Contributory Health Protection Programme) | Occupational health clinics, offshore medical services, multi-specialty surgical centers, and emergency trauma centers | ✅ Certified Ready |
| **Kano State** North West | Kano | KSCHMA (Kano State Contributory Healthcare Management Agency) | High-volume outpatient clinics, maternity centers, community diagnostic laboratories, and pediatric practices | ✅ Certified Ready |
| **Oyo State** South West | Ibadan | OYSHIA (Oyo State Health Insurance Agency) | Private general practices, academic teaching facility satellite centers, eye clinics, and diagnostic labs | ✅ Certified Ready |
| **Enugu State** South East | Enugu | ENCHMA (Enugu State Universal Health Coverage Scheme) | Orthopedic surgery centers, specialist maternity homes, dental practices, and private diagnostic laboratories | ✅ Certified Ready |
| **Anambra State** South East | Awka | ASHIA (Anambra State Health Insurance Agency) | Busy commercial outpatient centers, private surgical suites, eye clinics, and retail pharmacy networks | ✅ Certified Ready |
| **Delta State** South South | Asaba | DSCHMA (Delta State Contributory Health Commission) | Private oilfield referral clinics, maternity centers, diagnostic ultrasound labs, and community pharmacies | ✅ Certified Ready |
| **Kaduna State** North West | Kaduna | KADCHMA (Kaduna State Contributory Health Management Authority) | Specialist eye clinics, private general hospitals, military and paramilitary healthcare, and community health centers | ✅ Certified Ready |
| **Edo State** South South | Benin City | EDHIS (Edo State Health Insurance Scheme) | Private fertility clinics, diagnostic ultrasound centers, general surgical clinics, and community pharmacies | ✅ Certified Ready |
| **Ogun State** South West | Abeokuta | OGHIS (Ogun State Health Insurance Scheme) | Industrial occupational clinics, private maternity homes, community diagnostic centers, and eye clinics | ✅ Certified Ready |
| **Plateau State** North Central | Jos | PLASCHMA (Plateau State Contributory Healthcare Management Agency) | Faith-based hospitals, private multi-specialty practices, orthopedic facilities, and community health centers | ✅ Certified Ready |
| **Akwa Ibom State** South South | Uyo | AKSHIA (Akwa Ibom State Health Insurance Agency) | Modern specialist clinics, diagnostic imaging centers, private maternity suites, and pediatric practices | ✅ Certified Ready |
| **Imo State** South East | Owerri | IMSCHMA (Imo State Health Insurance Agency) | Private surgical clinics, specialist eye centers, community maternity homes, and ultrasound diagnostics | ✅ Certified Ready |
| **Abia State** South East | Umuahia | ABIA-SHIA (Abia State Health Insurance Agency) | High-volume private outpatient clinics, orthopedic bone centers, pharmacy chains, and maternity clinics | ✅ Certified Ready |
| **Ondo State** South West | Akure | ODCHS (Orange Health Insurance Scheme) | Maternal and child health hospitals, private medical centers, diagnostic ultrasound labs, and community pharmacies | ✅ Certified Ready |
| **Osun State** South West | Osogbo | OSHIA (Osun State Health Insurance Agency) | Private family clinics, dental surgeries, diagnostic imaging facilities, and pharmaceutical stores | ✅ Certified Ready |
| **Kwara State** North Central | Ilorin | KwaraCare (Kwara State Health Insurance Agency) | Specialist eye clinics, private general hospitals, community diagnostic labs, and maternity centers | ✅ Certified Ready |
| **Benue State** North Central | Makurdi | BNCHMA (Benue State Contributory Health Management Agency) | Mission and private hospitals, infectious disease screening, diagnostic labs, and general surgery | ✅ Certified Ready |
| **Borno State** North East | Maiduguri | BOSCHMA (Borno State Contributory Healthcare Management Agency) | Emergency trauma centers, humanitarian clinic partners, outpatient primary care, and pharmacies | ✅ Certified Ready |
| **Bauchi State** North East | Bauchi | BASHMA (Bauchi State Health Contributory Management Agency) | Private general clinics, maternity homes, retail pharmacies, and ultrasound imaging centers | ✅ Certified Ready |
| **Sokoto State** North West | Sokoto | SOCHMA (Sokoto State Contributory Healthcare Management Agency) | Outpatient primary healthcare, private surgical clinics, diagnostic laboratories, and maternity centers | ✅ Certified Ready |
| **Katsina State** North West | Katsina | KTSCHMA (Katsina State Contributory Healthcare Management Agency) | Community clinics, specialist maternal centers, commercial diagnostic labs, and retail pharmacies | ✅ Certified Ready |
| **Niger State** North Central | Minna | NiCare (Niger State Contributory Health Scheme) | General medical practices, trauma surgery clinics, private diagnostic labs, and maternity centers | ✅ Certified Ready |
| **Adamawa State** North East | Yola | ADCHMA (Adamawa State Contributory Health Management Agency) | Private surgical hospitals, community clinics, diagnostic laboratories, and specialist pharmacies | ✅ Certified Ready |
| **Cross River State** South South | Calabar | CRSHIA (Ayadecare) | Private surgical clinics, pediatric centers, diagnostic laboratories, and dental clinics | ✅ Certified Ready |
| **Taraba State** North East | Jalingo | TSCHMA (Taraba State Contributory Health Management Agency) | General medical practices, mission hospitals, community maternity clinics, and diagnostic labs | ✅ Certified Ready |
| **Kebbi State** North West | Birnin Kebbi | KECHMA (Kebbi State Contributory Healthcare Management Agency) | Maternal health clinics, general outpatient centers, commercial labs, and community pharmacies | ✅ Certified Ready |
| **Zamfara State** North West | Gusau | ZAMCHMA (Zamfara State Contributory Healthcare Management Agency) | Emergency trauma centers, outpatient clinics, retail pharmacies, and maternal health units | ✅ Certified Ready |
| **Yobe State** North East | Damaturu | YSCHMA (Yobe State Contributory Healthcare Management Agency) | Primary healthcare centers, private general hospitals, commercial diagnostic labs, and pharmacies | ✅ Certified Ready |
| **Jigawa State** North West | Dutse | JICHMA (Jigawa State Contributory Healthcare Management Agency) | Maternity and child clinics, general outpatient centers, diagnostic ultrasound labs, and community pharmacies | ✅ Certified Ready |
| **Gombe State** North East | Gombe | GoHealth (Gombe State Contributory Healthcare Management Agency) | Private multi-specialty practices, eye centers, diagnostic laboratories, and retail pharmacies | ✅ Certified Ready |
| **Nasarawa State** North Central | Lafia | NASCHMA (Nasarawa State Health Insurance Agency) | High-volume commuter outpatient clinics, maternity homes, surgical centers, and diagnostic labs | ✅ Certified Ready |
| **Kogi State** North Central | Lokoja | KGCHMA (Kogi State Health Insurance Agency) | Private general hospitals, diagnostic imaging centers, eye clinics, and community pharmacies | ✅ Certified Ready |
| **Ekiti State** South West | Ado-Ekiti | EKHIS (Ekiti State Health Insurance Scheme) | Private specialist clinics, maternal centers, dental surgeries, and diagnostic laboratories | ✅ Certified Ready |
| **Bayelsa State** South South | Yenagoa | BYHIA (Bayelsa State Health Insurance Scheme) | Riverine community clinics, private specialist hospitals, diagnostic labs, and maternal centers | ✅ Certified Ready |
| **Ebonyi State** South East | Abakaliki | EBSHIA (Ebonyi State Health Insurance Agency) | Mission and private hospitals, diagnostic ultrasound clinics, and community pharmacies | ✅ Certified Ready |

## Why Offline-First EMR is Essential for Nigerian Healthcare

Across Nigeria, healthcare facilities face erratic power supply, fluctuating diesel fuel costs, and intermittent fiber or mobile data connectivity. Cloud-only EMR systems that lock doctors out whenever the internet disconnects are dangerous in clinical environments.

DokiTab solves this through a resilient **offline-first architecture**. Clinical staff can record vitals, nursing handover notes, drug administrations, and billing transactions on standard low-power tablets (5W). All data is cached locally in an encrypted SQLite database and automatically synchronizes to the cloud when connectivity returns.

## Frequently Asked Questions: Nigerian State Health Insurance & EMR

## Frequently Asked Questions (Schema.org FAQPage)

### Q: Which Nigerian State Health Insurance Schemes (SHIS) does DokiTab support out of the box?
DokiTab supports all 36 State Health Insurance Schemes and Abuja FCT out of the box, including LASHMA / Ilera Eko (Lagos), FHIS (Abuja FCT), RIVCHS (Rivers), OYSHIA (Oyo), KSCHMA (Kano), KADHMA (Kaduna), OYSCHMA (Ogun), EDSHIC (Edo), ENSHIA (Enugu), and ANSHIA (Anambra), alongside the federal NHIA 90/10 co-pay standard and 50+ private HMOs.

### Q: How does the NHIA Act 2022 affect private hospitals and clinics in Nigeria?
The National Health Insurance Authority (NHIA) Act 2022 makes health insurance mandatory for all residents in Nigeria and empowers State Health Insurance Agencies (SHIS) to accredit private clinics for capitation and fee-for-service care. DokiTab automates NHIA 10% drug co-pays, PA code tracking, and electronic claim bundling so clinics eliminate the 18–25% monthly claim rejection losses seen with paper folders.

### Q: How does DokiTab compare to Helium Health, Hyella, Carrotsuite Health, MocDoc, Afri-Health, eClinicPlus, AjirMed, and SmartMRS across Nigerian states?
Unlike cloud-only EMRs (Helium Health, MocDoc, ClinikEHR) that require uninterrupted fiber internet or legacy on-premise server systems (Hyella, Carrotsuite Health, SmartMRS) that draw 600W–1,200W of generator power, DokiTab combines a local SQLite offline-first engine on 5W tablets with all 36 State Health Insurance (SHIS) and NHIA tariff rules. DokiTab offers a permanent Free Hospital Edition (₦0/month) and a flat ₦30,000/month 30k Plan for all 69 clinical modules.

### Q: Can clinics in rural or low-connectivity Nigerian states run DokiTab without fiber internet or 24/7 generator power?
Yes. DokiTab was engineered specifically for Nigerian power and telecom infrastructure across all six geopolitical zones. Triage, consultations, inpatient eMAR, FEFO pharmacy dispensing, and POS cashier shifts execute in under 50ms against an encrypted local SQLite database on battery-powered tablets and sync automatically whenever 3G, 4G, or Wi-Fi connectivity returns.