Frequently Asked Question


National Health Insurance Scheme (NHIS) is a corporate body established under Act 35 of 1999, the Federal Government of Nigeria to ensure access to health care by all Nigerians at an affordable cost.


The following plans are available:

  • Individual Plan
  • Couples Plan
  • Family Plan

Is pre-authorization required for all services covered by my plan?

No, It is only for some services that we pay the provider on a fee for service basis.

What is a HMO Premium?

This is the amount paid annually in exchange for access to an agreed set of benefits on the health plan chosen.

What is a group/employer plan?

These are health plans available to you through your place of employment. Please contact your HR for further clarifications.

How do I enroll on the Princeton HMO Scheme?

The organization sends a list of staff to be enrolled, as well as choose their selected plan type(s) for these staff. Each staff would read through and complete the registration form and select one primary care provider. Staff would attach adequately labeled passport photograph for him/her self and dependants where applicable. Names of each member registered are written at the back of each passport photograph.

What if my circumstance changes or I need to add other member of my family to my health insurance membership?

You can apply via your company’s HR department to add your partner or your children (including newborn children) as dependants on your membership as indicated by the policy agreement. To do this you will need to complete an application to alter your registration form. Please contact your HR for details.

Can I upgrade my plan whenever it's suitable for me?

You can only upgrade or change your plan at renewal.

How do I select a Health Care Provider?

Before joining our scheme, a list of over 370 Primary care providers (Hospitals) would be provided to you to select one provider from. This choice can be made based on proximity to place of work, or place of residence or any other personal choice where applicable.

What is pre-authorization?

Pre-authorization means that we make sure all aspects of your treatment are eligible under the terms of the scheme you have. The hospital is to ask for this authorization either by phoning our call center or sending an email. The process of obtaining this authorization should take less than 10 minutes.

Can I change my provider at any time I desire?

Yes. We would require you to fill out our change of hospital forms from you requesting the change. All requests that we receive before the 15th of the month would be effected by the 1st day of the subsequent month.

Can I reach Princeton HMO on holidays and weekends?

Yes. Our call centre numbers can be reached 24 hours a day, 7 days a week.

Do I require any form of identification before obtaining care from the provider?

Yes. You would need to carry your Princeton Health identification card before obtaining care at the health care provider facility.

If I am a traveler, can I access care anywhere in the country apart from my chosen provider?

Yes. Call the Care Call Centre and they will pre-authorize you for access.

What are Princeton call center numbers and other contact details?

070 0400 4000. You can also send us an email on