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
KADCHMA, the Kaduna State Contributory Health Management Authority, runs the state health insurance scheme; in July 2025 its informal-sector plan was reported at ₦10,650 a year, covering antenatal care through birth, with or without complications, and a range of other conditions. Kaduna's state scheme had 446,920 enrollees at the end of 2025 (NHIA data), and the authority is now targeting traders, transport workers and farmers.
Health costs are one of the biggest shocks a household in Kaduna can face, and most people still pay out of pocket at the point of care. The state's contributory health scheme, run by KADCHMA, is designed to spread that cost. This guide explains what the scheme costs and covers, how to enrol, and how to approach the main hospitals residents use.
What KADCHMA is
The Kaduna State Contributory Health Management Authority (KADCHMA) manages the state's health insurance. Its Director-General is Abubakar Hassan. Coverage is growing from a low base: at a February 2026 review in Zaria, state figures put health insurance coverage in Kaduna at 9.6 per cent in 2025, up from 4.5 per cent in 2023 (Peoples Gazette). NHIA data for the fourth quarter of 2025 showed 446,920 enrollees in Kaduna's state scheme (Nairametrics).
What it costs and covers
For people outside formal employment, Voice of Nigeria reported in July 2025 that the informal-sector plan costs ₦10,650 a year, a charge also described as a registration fee. It covers antenatal care through to birth, with or without complications, and numerous other conditions. More than 50 women enrolled in one local government had given birth by caesarean section under the scheme, according to the same report.
Formal-sector workers in state employment are usually enrolled through their employer, and vulnerable groups may be covered through federal funding programmes. Premiums for those plans, and the full benefit list, were not in the sources we opened, so ask KADCHMA or your employer for the current benefit package before you rely on it.
Worked example (illustrative)
A family of four on the informal plan, if each member enrols at the reported ₦10,650, pays ₦42,600 a year (4 × ₦10,650), or about ₦3,550 a month. Compare that with what you paid out of pocket last year for clinic visits, drugs and any delivery. Confirm whether children and spouses are charged separately or as a family before paying.
How to enrol
- Contact KADCHMA or ask at a primary health centre or local government health office where enrolment is done in your area.
- Take your NIN; state schemes increasingly link enrolment to identity records. See NIN and BVN enrolment in Kaduna.
- Pay the premium only through the official channel KADCHMA gives you and keep the receipt.
- Choose or be assigned a primary care facility, and collect your enrolment card.
- Ask when cover starts; schemes often have a waiting period before you can use benefits.
KADCHMA has worked with traditional and religious leaders and market, transport and farmer associations to reach informal workers, so your association may run enrolment drives.
Main hospitals residents use
Kaduna residents commonly use a mix of public, military and mission hospitals, including Barau Dikko Teaching Hospital, the 44 Nigerian Army Reference Hospital and St Gerard's Catholic Hospital, alongside general hospitals and primary health centres. Whether a particular hospital accepts KADCHMA cover, and for which services, depends on its accreditation, so check with KADCHMA or the hospital before treatment. Under insurance schemes, you usually start at your assigned primary facility and are referred up for specialist care.
If a facility asks you to pay
Insurance schemes usually list services that are covered in full, services with a co-payment and services that are excluded. If a facility asks you to pay for something you believe is covered, ask it to show you why, keep any receipt, and report it to KADCHMA with your enrolment number, the facility's name and the date. In an emergency, get care first and sort out cover afterwards; tell the facility you are enrolled as soon as you can.
Keeping cover active
Cover lapses if the annual premium is not renewed. Note the renewal date on your card and pay early. If your employer pays for you, check your payslip shows the deduction and ask HR for your enrolment number.
What to check first
- The current premium for your category and whether it is per person or per family.
- The benefit list and what is excluded, such as some surgeries or drugs.
- Which facility you are assigned to and how referrals work.
- How to complain if a facility asks you to pay for a covered service.
Where Pryme fits
Pharmacies are a Spaces sector in Lagos, Abuja and Port Harcourt; see Spaces. In Kaduna, a Flexible Savings Box set aside for health costs and premiums can help, and the Personal Assistant can remind you when renewal is due. See also cost of living in Kaduna.
Questions people ask
How much is KADCHMA health insurance?
Voice of Nigeria reported the informal-sector plan at ₦10,650 a year in July 2025. Confirm the current premium for your category with KADCHMA.
What does Kaduna health insurance cover?
The informal plan was reported to cover antenatal care through birth, with or without complications, and numerous other conditions. Ask KADCHMA for the full benefit list and exclusions.
How do I register for KADCHMA?
Ask KADCHMA or your local primary health centre or local government health office where enrolment is done, take your NIN, and pay only through official channels.
Does Barau Dikko accept KADCHMA?
Check with KADCHMA or the hospital. Acceptance depends on accreditation and on referral from your assigned primary facility.
Sources
- Kaduna Health Authority Targets Informal Sector Scheme Enrollment (Voice of Nigeria, 21 Jul 2025) · accessed Oct 2026
- Kaduna reviews health insurance enrolment, unveils 2026 UHC strategy (Peoples Gazette, 27 Feb 2026) · accessed Oct 2026
- Top 10 Nigerian states with the largest health insurance coverage in 2025 (Nairametrics, 2 Jul 2026) · 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.