AI agents for business finance: what they can and can't do
What AI agents can do in bookkeeping, close, collections and compliance today, where a person must stay in charge, and how to judge a product.
The short answer
Osogbo's main hospitals are UNIOSUN Teaching Hospital (formerly LAUTECH Teaching Hospital) for specialist care, the State Hospital at Asubiaro and primary health centres. The Osun Health Insurance Scheme (OHIS) was reported to charge ₦12,066 a year for an individual and ₦57,600 for a family outside the civil service, with enrollees paying 10% of each bill at accredited facilities.
The main hospitals in Osogbo
Osogbo's healthcare runs on three levels, and knowing which to use first saves money and time.
- UNIOSUN Teaching Hospital, Osogbo, formerly the Ladoke Akintola University of Technology (LAUTECH) Teaching Hospital, is the city's main tertiary hospital, for specialist care, surgery and referrals. Nigeria Health Watch lists it among the facilities accredited under the state health insurance scheme.
- State Hospital, Asubiaro is commonly named by residents as the main state-owned general hospital in the city, used for general outpatient care, maternity and emergencies.
- Primary health centres across the city handle immunisation, antenatal care, malaria and minor illness.
- Private hospitals and clinics, many of which are also accredited under the state scheme.
Check with each hospital for current opening hours, departments and charges, which are not published in one place.
What OHIS is
The Osun Health Insurance Scheme (written O'HIS or OHIS) was set up by the Osun State Government in 2017 under state law and formally established in 2018, according to its Wikipedia entry, and is supervised by the state Ministry of Health. It aims to let residents get care at a minimal cost at the point of treatment and reduce catastrophic health spending. Civil servants were enrolled compulsorily in 2018.
How OHIS is funded and what you pay
Nigeria Health Watch's account of the scheme (page dated May 2025, describing data from about 2018 to 2021) reported these terms. Confirm the current figures with OHIS before you enrol, as premiums may have changed.
| Who | Premium as reported | Notes |
|---|---|---|
| State civil servants | 1.5% of basic salary | Government adds 3% |
| Individual outside the civil service | ₦12,066 a year | Traders, private sector workers, others |
| Family outside the civil service | ₦57,600 a year | Family plan |
| Vulnerable residents | Covered through the social register | About 100,000 people reported on the register |
At the point of care, the same report said enrollees pay 10% of the bill. At primary level, the agency paid facilities a capitation of ₦570 per enrollee per month; at secondary and tertiary level, facilities collect 10% from the patient and reclaim the other 90% through the HMO.
What OHIS covers
The scheme's stated benefits include checks for high blood pressure and diabetes, malaria treatment, antenatal, delivery, postnatal and family planning services for pregnant women, and child immunisation. Referral to secondary and tertiary care, including teaching hospital treatment, is covered on the co-payment basis above. Ask your HMO for the current benefit package, including what is excluded (some drugs, procedures and long-term conditions may have limits).
How to enrol
- Contact OHIS or an HMO working with the scheme, and choose the individual or family plan.
- Provide your details and those of dependants, and pay the premium through the official channel. Keep the receipt.
- You are assigned an HMO, which links you to a nearby accredited facility for primary care. About 442 public and private facilities were reported accredited.
- Use your primary facility first; it refers you to a general or teaching hospital when needed.
- Carry your OHIS card or number to every visit.
What you still pay, and known problems
- The 10% co-payment on each bill.
- Items outside the benefit package.
- Care at non-accredited facilities, or self-referral straight to a teaching hospital.
- Delays: some facility desk officers told Nigeria Health Watch that HMO vetting of claims could take up to three months, which can affect how referred patients are treated. The agency has delisted facilities found mistreating enrollees.
Uptake outside government has been low: the same report said only about 2,000 of more than 260,000 enrollees were informal-sector workers. If you trade or work privately in Osogbo, enrolling the family is still often cheaper than one unplanned hospital admission.
Before you go to hospital
- If you are enrolled, go to your assigned primary facility first unless it is an emergency, so the referral chain and the 10% rule apply.
- Ask for an estimate of the bill and which items OHIS covers before treatment that is not urgent.
- Keep every receipt and the HMO authorisation code where one is issued.
- If a facility refuses to treat you under the scheme, note the date and the staff member and report it to your HMO and OHIS.
Where Pryme fits
Paying the yearly premium in one go is easier if you set it aside monthly in a Flexible Savings Box, and a Personal Assistant can remind you before renewal. For how health costs fit a household budget, see our Osogbo family budget and how Lagos residents use Ilera Eko.
Questions people ask
How much is OHIS for an individual in Osun?
Nigeria Health Watch reported ₦12,066 a year for an individual and ₦57,600 for a family outside the civil service. Confirm the current premium with OHIS.
Does OHIS cover UNIOSUN Teaching Hospital?
UNIOSUN Teaching Hospital, Osogbo is listed as an accredited facility. Enrollees normally need a referral from their primary facility.
How much do I pay at the hospital with OHIS?
The reported co-payment is 10% of the bill; the facility claims the remaining 90% through the HMO.
How do I register for Osun health insurance?
Contact OHIS or an HMO under the scheme, choose a plan, pay the premium officially and get assigned a primary facility.
Sources
- Nigeria Health Watch: Osun's bumpy road to 'Health for All' (page dated 21 May 2025) · accessed Oct 2026
- Wikipedia: Osun Health Insurance Scheme · accessed Oct 2026
This article is general information, not financial, legal or tax advice. Products described are provided under the terms on this site and are subject to regulation and eligibility.