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The short answer
Kwara's state health insurance scheme, run by the Kwara State Health Insurance Agency under the name KwaraCare, charges ₦15,500 per person per year for the informal sector and ₦18,000 for the formal sector, with family packages for six people at ₦75,000 and ₦87,000, effective 1 December 2024. You subscribe and pay online through Remita, then use an accredited facility on the scheme's hospital network, which in Ilorin can include public and private hospitals.
The main hospital options in Ilorin
Ilorin's healthcare runs on three levels. The University of Ilorin Teaching Hospital (UITH) is the federal tertiary hospital for specialist care and referrals. State-owned general and specialist hospitals sit in the middle; residents often ask about General Hospital Ilorin and Sobi Specialist Hospital. Primary health centres and private clinics handle most everyday visits. Which of these you can use on insurance depends on the facility's accreditation and the one you choose when you enrol.
For emergencies, go to the nearest hospital with an emergency unit first and sort out payment afterwards; do not lose time looking for an accredited facility.
What KwaraCare is
KwaraCare is the Kwara State Health Insurance Scheme, run by the Kwara State Health Insurance Agency (some readers search for it as KWSHIA or KWHIA). You pay a yearly premium and in return receive covered services at an accredited facility on its network. The agency's executive secretary, Dr Olubunmi Jetawo-Winter, said when premiums were raised that the increase reflected higher costs of drugs, consumables and payments to providers.
Premiums from 1 December 2024
| Plan | Premium per year | Previous premium |
|---|---|---|
| Informal sector, per person | ₦15,500 | ₦6,000 |
| Formal sector, per person | ₦18,000 | ₦9,000 |
| Family package, informal (6 members) | ₦75,000 | Not stated |
| Family package, formal (6 members) | ₦87,000 | Not stated |
The agency said existing policies were not affected and that renewals on or after 1 December 2024 pay the new premiums. These are the figures on KwaraCare's site as at October 2026; check the scheme's page before paying, as premiums are reviewed.
Worked example: individual or family package?
A household of six in the informal sector would pay 6 × ₦15,500 = ₦93,000 enrolling separately, or ₦75,000 on the family package: a saving of ₦18,000 a year. In the formal sector, 6 × ₦18,000 = ₦108,000 against ₦87,000, a saving of ₦21,000. A household of four pays 4 × ₦15,500 = ₦62,000 separately, which is less than the ₦75,000 package, so the package only pays off for larger households unless it brings other benefits; ask the agency before choosing.
How to enrol and pay
- Decide on informal, formal or a family package. Formal sector usually means you are employed by an organisation that enrols staff; ask your HR department first, since your employer may already cover you.
- Use the Subscribe page on kwaracare.com.ng, or visit the agency at House 27B Ahmadu Bello Way, GRA, Ilorin.
- Pay through the Remita payment link on the site and keep the Remita receipt (RRR).
- Choose your primary care facility from the scheme's hospital network page.
- Keep your enrolment ID and the scheme's contact numbers on your phone.
- Toll-free
- 0800 100 1001
- +234 916 998 9038
- healthinsurance@kwarastate.gov.ng or info@kwaracare.org
Before you rely on it
Insurance works best when you know its limits. Ask the agency or your facility these questions, and write the answers down:
- Which services are covered, and which need a co-payment or are excluded?
- How does referral to a specialist or to UITH work, and who pays for it?
- Is there a waiting period after you pay before you can use the cover?
- Can you change your primary facility, and how often?
- What happens if you need care outside Ilorin?
Readers should also check that the facility they pick is on the current network list, because accreditation changes. KwaraCare's site links to a hospital network page; the version we read in October 2026 did not list facilities in its text, so call the toll-free line to confirm.
If you are paying cash
Many people in Ilorin still pay for care out of pocket, either because they have not enrolled or because a service is not covered. A few habits reduce the shock:
- Ask for a written estimate before planned treatment such as surgery, scans or delivery, and ask what is not included.
- Ask whether drugs can be bought outside the hospital pharmacy, and compare.
- Keep every receipt. If an employer, family member or insurer will reimburse you, they will ask for them.
- For a planned delivery or operation, ask whether the hospital accepts payment in stages.
Example (labelled): a household that sets aside ₦10,000 a month has ₦120,000 after a year, enough to cover a family package premium of ₦75,000 with ₦45,000 left over for costs the scheme does not cover. Whether that is the right split depends on your family's health needs, but having both a premium and a small cash reserve avoids borrowing in an emergency.
Where Pryme fits
A yearly premium is easier to pay if you set money aside monthly. A Flexible Savings Box holds naira for the renewal, and a Personal Assistant can remind you before the cover lapses and prepare the payment for you to approve.
What to check first
- Whether your employer already covers you.
- The current premium on KwaraCare's site.
- That your chosen facility is accredited.
- What is excluded and how referrals work.
Building health into a household budget? See our cost of living in Ilorin guide, which includes the premium in its example budgets, and budgeting on a Nigerian salary.
Questions people ask
How much is Kwara state health insurance?
From 1 December 2024, ₦15,500 per person per year for the informal sector and ₦18,000 for the formal sector. Family packages for six cost ₦75,000 (informal) and ₦87,000 (formal).
How do I register for KwaraCare?
Subscribe on kwaracare.com.ng or at the agency's office at House 27B Ahmadu Bello Way, GRA, Ilorin, pay through Remita and choose a facility on the network.
Can I use KwaraCare at UITH?
Coverage depends on accreditation and the referral rules. Ask the agency on 0800 100 1001 how referral to UITH works under your plan.
Does the family package save money?
For six people, yes: ₦75,000 against ₦93,000 enrolled separately on the informal plan. For four people, separate enrolment costs less.
Sources
- KwaraCare: Revised health insurance premiums (effective 1 Dec 2024) · accessed Oct 2026
- Voice of Nigeria: Kwara reviews health insurance premiums upward · 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.