Realtime National Health Insurance Scheme (RNHIS): Means To Achieve Health for All

E-health, tele-medicine, and informatics are terms prominent in the health sector nowadays; Real-time Health Insurance should be among. The laudable program, National Health Insurance Scheme (NHIS) introduced in Nigeria can only be effective and efficient with the introduction of dynamic and integrated online NHIS system. Data were gathered through document examination, internet and interview of NHIS desk officers, health record officers, and NHIS accountant in two of our tertiary hospitals. Data were analyzed and graphs were drawn to show current status. Software Engineering architecture for its development for better system was introduced. From the data analyzed, it was found that none of the current Nigeria HMOs, Health Facilities (HFs) and NHIS headquarters is fully computerized and networked which is making the current system epileptic. People on transit and rural areas are not adequately catered for. Therefore, a workable Real-time Health Insurance Scheme will help people on transit and bridge urban-rural health divide.