Retiree Scheme

We perfectly understand that our Police Retirees have given the best of their years, youth, strength, experience, and lots more to the service of the nation. As their health begin to fail in their twilight years, we are proud to be able to give back to them by ensuring that their health is well taken care of and in no way neglected. We do this by giving our Retirees the opportunity to be enrolled into the National Health Insurance Authority (NHIA) so that they can access quality medical care.

This is to ensure that no retired Police officer, anywhere in the country, irrespective of rank on retirement, is left out from having full access to all NHIA services and benefits as covered by the coverage plan.

This scheme covers the retiree and the spouse. In a case where the Retiree is deceased, the spouse is still entitled to same and equal medical services as covered under the NHIA.

To register into the Retiree scheme of the NHIA, call us on 09061129318.


At the Police HMO, we believe that everyone deserves access to quality and comprehensive healthcare. That is why we have undertaken the mandate under the GIFSHIP plan, to ensure that your everyday family, individual, groups, etc. can access adequate healthcare as at when needed, at a very affordable rate.


Membership shall include:

1) Non-cohesive groups of persons, such as Associations, Unions and Institutions outside the Organized Private Sector (OPS)
2) Self-employed individuals, families and groups
3) Small scale enterprises with less than 10 staff
4) Retirees and retiree associations
5) Diaspora groups
6) Foreigners living in Nigeria
7) Adopted persons, such as those paid for by members of the National Assembly and Philanthropists etc


1) The individual registers self or individual members of the family with the NHIA following the payment of the required contribution(s).
2) The individual decides his/her own choice hospital during registration.
3) The individual undergoes a waiting period of minimum of 90 days before accessing care.
4) The individual can then visit his/her hospital with the NHIA unique I.D. number assigned to him/her.

For more clarifications or complaints, please call 08073203283, 09151017905, 07034848933

Tertiary Interventions

Tertiary services is a creation of the Police HMO, aimed to cater for those ailments not covered under the NHIA list of medical services. They fall under the category of either partial or total exclusion list. Application is opened to all officers, irrespective of their ranks, gender or place of assignments. Same is extended to their family members.

So far, numerous officers from across the country have benefitted from the programme. Laid down procedure for the application includes the following steps:

1) From any of the Police Hospital, through a referred tertiary hospital
2) The request for assistance letter should be addressed to the office of the Force Medical Officer with the following attachments:
a) A referral letter from the Chief Medical Director or referring consultant.
b) Medical bill contained in the hospital's letter headed paper fully signed and stamped by the relevant personnel.
3) Other items to come along with during the interview session includes;
a) A referral letter from either a teaching hospital, specialist hospital, federal medical center or a private specialized hospital.
b) The letter must bear the logo and address of the referring hospital, full names and signature of either the Chief Medical Director (CMD) or referring consultant, detailed medical report, with the relevant investigations and provisional or tentative diagnosis.
c) Any other relevant document(s) that will support the application.
4) A periodic interview is conducted by the technical committee of the Board of Directors on the prospective applicant.
5) It is a first come, first serve basis except in an emergency situation.
6) Assistance is dependent on availability of funds.
7) No refund of medical expenses incurred but ongoing treatment and follow ups are paid for.
8) Payment is made directly to the hospital's account except in exceptional circumstances.


Continuous sensitization and education of NHIA enrollees on the guidelines, workings, rights and the benefits of the scheme is one of our core responsibilities. We pride ourselves as one of the very few HMOs that earnestly undertake this mandate. We do this to ensure that our enrollees are adequately informed with accurate information about the scheme and to know steps to take during health emergency.

Through sensitization, enrollees are reminded of the importance of regular medical check-up, dangers of self-medication and other advantages that are available to them when they visit their hospitals.

We believe that a well-informed enrollee makes better choices as it relates to regular medical check-up, self-medication etc., even if that will mean us paying more bills as a result of increased visits to the hospital by our enrollees.

We prioritize your health over any payment we could ever make.

All we care about is you!

To know more about your rights and benefits under the scheme, kindly visit our Frequently Asked Question page or call us on 09061129318.

24hrs Responsive Customer Care

Customer Care Service

We run a 24/7 call centre through which we continuously interface with our enrollees and the over 3,000 NHIA accredited HCPs in our network spread across Nigeria. Our call centre agents are highly skilled and motivated to putting your needs first, before and above every other consideration. We are available and quick too.