Fixing the Gaps in Health Insurance in Nigeria with HXC Field: An Equitable and Accessible Care Approach

araymond
Sep 26
2 min read

The Current Gaps in Health Insurance in Nigeria

Health insurance in Nigeria has grown in recent years, with millions of new enrollees under the National Health Insurance Authority (NHIA) and state-level schemes. Yet, for many Nigerians, especially daily earners like drivers, traders, and artisans, health insurance often feels far away or more like luxury.

Even with coverage, many still pay out-of-pocket because essential drugs, lab tests, or treatments are excluded. This “insured but uncovered” reality exposes a critical gap: health insurance in Nigeria is expanding on paper but struggling to deliver equitable and accessible care in practice.

That is the gap HXC Field is built to fix

Why Affordable Healthcare in Nigeria Still Feels Out of Reach

When people hear affordable healthcare in Nigeria, the focus is usually on premiums or hospital bills. But affordability goes deeper:

Care must be close to communities, not at far distances.
Services must be reliable, with access to qualified medical personnel..
The system must be accountable, when you pay for healthcare, you should receive healthcare.
This is why affordability is still out of reach for many daily earners and why a new approach, like that of HXC Field, is needed.

HXC Field’s Equitable and Accessible Care Approach

HXC Field exists to bring equity, access, and accountability into the healthcare experience of hardworking Nigerians. Our approach directly tackles the gaps in health insurance in Nigeria by focusing on:

Equity: Making sure that a trader in Ibadan or a driver in Kano has the same chance at care as a formal worker in Lagos.
Access: Delivering healthcare that reaches daily earners where they are, at work, in markets, or in their communities.
Accountability: Ensuring that healthcare promised is actually healthcare delivered, not just words on paper.

By aligning with national reforms while staying close to real community needs, HXC Field bridges the space between coverage and actual care.

How HXC Field Complements Health Insurance in Nigeria

National reforms such as the NHIA Act 2022 and the Basic Health Care Provision Fund are expanding health insurance in Nigeria, aiming to cover millions more by 2030. But without practical solutions, coverage can remain abstract.

HXC Field complements these efforts by:

Expanding to informal workers, the very groups national reforms are targeting.
Closing the “insured but uncovered” gap by ensuring accountability in care delivery.
Supporting primary healthcare at the community level, where many first seek care.
Leveraging technology to capture data, track care and make healthcare delivery transparent.

Conclusion: Fixing the Gaps Together

Health insurance in Nigeria has made progress, but gaps remain. Many Nigerians are technically insured yet still left to fend for themselves in times of illness.

HXC Field is fixing this by delivering an equitable and accessible care approach: