Health insurance frameworks in India and Lagos State

Health insurance structures vary significantly across different regions and demographics. In India, primary options include individual health insurance for single persons, family floater plans that share a single sum insured among multiple members, and specialized senior citizen insurance tailored to age-related medical needs.

In Lagos, Nigeria, the Ilera Eko programme, administered by the Lagos State Health Management Agency (LASHMA), serves as the state's health insurance framework. Under the Lagos State Health Scheme Law, enrolment is mandatory for residents. The scheme includes an equity fund designed to assist vulnerable residents who are unable to afford premiums, aiming to reduce the financial burden of medical expenses such as laboratory tests, specialist consultations, and hospital admissions.