Get Adobe Flash player

Complaints & Enquiries

For Complaints and Enquiries, please send an Email to and


The Scheme
Refers to National Health Insurance Scheme (NHIS). A corporate body established under Act 35, of 1999, to regulate and provide health insurance in Nigeria
Enrollee or Beneficiary
A person who has enrolled (or has been enrolled) with NHIS.
Principal Enrollee
A person on behalf of whom the other biological members of the family (dependants) are enrolled.
The spouse and children of a principal enrollee.
Primary Health Care Provider (PHCP)
Is the entry point and point of first contact of an enrollee with a healthcare provider.
Primary Care Provider
Same as in PHCP.
Secondary Health Care Provider
Refers to Health Care Provider which offers specialized services to patients referred from the primary healthcare provider.
Tertiary Health Care Provider
Refers to Health Care Provider which offers highly specialized services based on referral from secondary care level.
Alternative Primary Health Care Provider
Is the PHCP selected by dependant(s) who is not resident in the same location with the principal.
Health Maintenance Organization (HMO)
A private or public incorporated Company registered by the NHIS solely to manage the provision of health care services through Healthcare Providers accredited by the Scheme.

Defence Health Maintenance Limited (DHML) is a corporate entity owned by the Ministry of Defence and the Nigerian Armed Forces as a Health Maintenance Organization (HMO).

It was established in response to the challenges of providing access to quality health care services for all eligible military personnel (serving and retired) and their families.

DHML was incorporated by the Corporate Affairs Commission (CAC) on the 21st October, 2005. It was accredited with HMO CODE 022 on the 27th of June, 2006 by NHIS.

The National Health Insurance Scheme was established to complement other sources of financing health care as there are exclusions in the Benefit Package.

DHML brings together the health resources of the Nigerian Army, Nigerian Navy and Nigerian Air Force. It complements these with a network of civilian healthcare providers and professionals, to provide better access to quality healthcare services.

It currently operates about 159 Military Primary healthcare providers, about 2000 civillian primary healthcare providers and about 157 Secondary / Tertiary Health Care Providers. 33 of these Secondary / Tertiary facilities are military healthcare facilities while 124 are civilian healthcare facilities spread across the Country.

DHML currently has twenty-two (22) state offices located across the federation and its Head office in the Federal Capital Territory, Abuja.


Who is eligible?

All Military personnel are eligible to register one spouse and four biological children below the age of 18 years as provided for in the National Health Insurance Scheme (NHIS) guideline.


How the scheme works.

i. Enrollee wishing to participate in the scheme registers with Defence Health Maintenance Limited (DHML) and is assigned with a registration number.

ii. The employee selects an accredited Military Health Care Provider (HCP) within his locality and supplies all the necessary personal details. The NHIS issue an ID card to the enrollee and their eligible dependant.

iii. The Military HCP takes care of all the primary health care issues of the enrollee based on the NHIS benefit. The Primary Care Provider (PCP) will refer the employee to a Secondary Care Provider (SCP) or Tertiary Care Provider (TCP) accredited by the NHIS for specialized cases, with the approval from DHML using the established referral guidelines.iv. DHML will pay the PCP a global capitation of the N550 per member per month, which has been pre agreed.


Who pays for the health services given to personnel and their families?

The Federal Government shall be responsible for the payment of the contributions. No deduction is made from the salaries of the uniformed personnel.  


How to access health care on transit.

i. Contact your unit / location Medical Officer via phone.

ii. Report sick at the nearest Military Health Care Provider (Sickbay, Medical Reception Station, Medical Centre or Hospital) as directed by your unit’s Medical Officer.

iii. Provide a means of identification such as the Service identity card or NHIS Identity card.