DELTA STATE CONTRIBUTORY HEALTH COMMISSION

Name

DELTA STATE CONTRIBUTORY HEALTH COMMISSION

Legal name

Delta State Contributory Health Commission

Website

https://dschc.org.ng

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Asaba

HQ country

Nigeria

HQ region

Africa

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Formal Sector Premium Contributions: Payroll-based premium deductions from public and organized private sector employees. Coverage includes the principal enrollee, spouse, and up to 4 children below 18 years, with counterpart employer contribution for each principal enrollee.
2. Informal Sector Premium Contributions: Individual premium payments of ₦7,000/year per enrollee for informal sector workers covering only the individual enrollee.
3. Government-Subsidized Premiums (Equity Health Plan): Delta State Government pays premiums of ₦7,000/year/Enrollee for vulnerable populations including pregnant women, children under 5, elderly above 65, physically and mentally challenged, and residents classified as poor.
4. Private Health Plan Premiums: Extra premium contributions from individuals subscribing for additional healthcare services beyond the standard benefit package.
5. BHCPF Program Implementation: Basic Healthcare Provision Fund (BHCPF) program implementation involving NIMC registration, service delivery at accredited HCFs, and payment processing from dedicated CBN TSA account.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels5 records

Core offering

DSCHC administers the Delta State Contributory Health Scheme (DSCHS), a mandatory state-level contributory health insurance program offering four enrollee health plans (Formal payroll-based, Informal at N7,000/year per enrollee, Equity government-subsidized for vulnerable groups, and Private premium plans) covering access to primary and secondary healthcare services for residents of Delta State. The scheme is delivered through a network of 510 accredited public and private healthcare facilities across all 25 LGAs, with enrollment supported via head office registration, LGA liaison offices, branded field agents, an Android mobile app, and direct NIMC API integration for identity verification.

Product overview

Delta State Contributory Health Commission operates the Delta State Contributory Health Scheme (DSCHS) as its core health insurance platform. The scheme offers four distinct health plans: Formal Health Plan (payroll-based for employees), Informal Health Plan (individual contributions at ₦7,000/year), Equity Health Plan (government-funded for vulnerable populations), and Private Health Plan (enhanced coverage for extra premiums). The program is supported by complementary initiatives including an Android mobile app for registration, the Access to Finance PPP program with PharmAccess for revitalizing rural healthcare facilities, and BHCPF implementation for basic health care provision. The scheme covers 510 accredited public and private healthcare facilities across Delta State, serving approximately 1.9 million enrollees as of 2023.

Differentiator

Problem solved

Functional benefit

Brands

• Equity Health Plan: Health plan for vulnerable groups including children under five, pregnant women, elderly above 65, physically and mentally challenged individuals, and residents classified as poor. Premium of N7,000/year/enrollee paid by Delta State Government.
• Formal Health Plan
• Informal Health Plan
• Private Health Plan
• Access to Finance Program
• BHCPF Program

Products and services

• Delta State Contributory Health Scheme (DSCHS) A mandatory healthcare insurance program that provides access to defined packages of quality healthcare services through contributions from enrollees, with coverage for formal sector employees, informal sector individuals, vulnerable populations, and private subscribers. Delivered through 510 accredited public and private healthcare facilities across all 25 LGAs of Delta State.
• Formal Health Plan Contributory plan for public-sector employees and organized private sector employees where premiums are paid via payroll percentage deductions, covering a principal enrollee, spouse, and up to four children below 18 years with counterpart employer contribution for each principal enrollee.
• Informal Health Plan An affordable health plan providing a prescribed package of healthcare services at N7,000/year per enrollee contribution, accessible to all Delta State residents not covered by other health plans, covering only the individual enrollee.
• Equity Health Plan Health plan for vulnerable groups including pregnant women, children under five, elderly above 65, physically and mentally challenged individuals, and residents classified as poor. Premium of N7,000/year per enrollee is paid by the Delta State Government.
• Private Health Plan A variety of packages providing extra healthcare services in direct proportion to the contribution made by individuals who subscribe for additional healthcare needs beyond the standard DSCHS plans.
• DSCHC Mobile App Android mobile application available on the Google Play Store that allows Delta State residents to self-register for the health insurance scheme from their mobile phones.
• Access to Finance Program A PPP initiative with PharmAccess Foundation to provide expanded access to care by revitalizing moribund primary healthcare facilities in rural and hard-to-reach areas of Delta State, with a target of 50 facilities operational and 15 already operating as of 2022.
• BHCPF Implementation Program Basic Health Care Provision Fund program implementation involving NIMC NIN standard enrollee registration, service delivery at accredited HCFs, payment from a dedicated CBN TSA account, monitoring and evaluation by an NHIS/DSCHC team, and analytics and reporting for service delivery outcomes.

Quantifiable outcome

• 1,995,816 enrollees served within 7 years of scheme commencement
• +5 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• PharmAccess FoundationcoreStrategic or Co-development Partner · 1 September 2019PPP initiative 'Access to Finance' program conceptualized to provide expanded access to care for Delta State health insurance scheme enrollees. Principal value is access to quality care for rural and hard-to-reach areas through revitalization of primary healthcare facilities. Program has impacted 30,000+ lives across 50 communities.
• Medical Credit FundcoreStrategic or Co-development Partner · 1 September 2019Partnered with PharmAccess in the Access to Finance PPP initiative. Special thanks awarded by the Director, Medical Credit Fund for making the initiative successful. Vision to expand A2F Program to other states.
• SANOFI (French Drug Manufacturing Company)coreStrategic or Co-development PartnerPartnership for: (1) Capacity building for 400 HCPs, (2) Upgrade of Rural PHCs with Diabetes and Hypertension Clinics at 4 initial facilities, (3) Enrollment of 2000 patients with premium support, (4) 50% discount on Insulin for Delta State Drug Revolving Fund, (5) Up to 40% discount on SANOFI medicines, (6) Patient Support Program for 2000 PLWD on Sanofi Insulin.
• Servier Pharmaceutical of FrancecoreStrategic or Co-development PartnerMOU for 'Hospital Cash Cover Program' providing: subsidized Antihypertensive and Diabetic drugs; training of 200 health service personnel; support payment of premiums for vulnerable people; eventual production of generic drugs from Servier/SWIPHA manufacturing facility in Nigeria.
• UNICEF (United Nations International Children Emergency Fund)coreStrategic or Co-development PartnerPolicy dialogue session on 'Expansion of Health Insurance Coverage in Nigeria' organized in collaboration. UNICEF Chief Health Specialist and World Bank Senior Health Specialist participated. UNICEF ready to generate evidence, build capacity of health insurance operators, and partner for future dialogue sessions.
• NIMC (National Identity Management Commission)coreTechnology or IntegrationAPI integration partnership for NIN standard enrollee registration. DSCHC is the only State Health Insurance Agency in Nigeria approved to register and directly obtain NIMC (NIN) through API. NITDA-listed for NDPR compliance.
• Market Men and Women Association of Nigeria, Delta State ChapterminorGTM or Marketing PartnerStrategic partnership for advocacy and sensitization. Association members trained and branded as health insurance advocates across all markets. Association targeting 1,000+ persons from each LGA to enroll into the scheme.
• Dans-Hari ConsultantsminorImplementation/ SI/ Consulting PartnerCollaboration for capacity building training of Heads of PHCs and private HCFs on Universal Health Coverage, emergency medical response, and health insurance operations.
• WHO (World Health Organization)minorStrategic or Co-development PartnerStudy tours sponsored by WHO for other Nigerian states to learn from Delta State's health insurance implementation model.
• Association of Nigeria Private Medical Practitioners (ANPMP)minorGTM or Marketing PartnerPartnership with private medical practitioners to increase enrollment. DG called on practitioners to become advocates of the state health insurance scheme by rendering quality services to enrollees.

Scale indicators12 records

Recent moves7 records

Expansion highlights6 records

Regional players

• Ghana National Health Insurance Authority (NHIA): Ghana's national social health insurance scheme under National Health Insurance Authority; comparable as a West African mandatory contributory health insurance model that has achieved higher national coverage than Nigeria.
• Kenya National Hospital Insurance Fund (NHIF): Kenya's statutory health insurance fund with mandatory enrollment and payroll-based contributions; comparable African national/sub-national contributory health scheme at significantly larger scale.

Others

• PharmAccess Foundation: Strategic partner of DSCHC on the Access to Finance PPP initiative; ecosystem enabler in African health insurance and quality healthcare financing, with overlapping goals of expanding insured healthcare access.

Direct peers

• Kwara State Health Insurance Agency (KW-HIA): State-level health insurance agency running Kwara State Health Insurance Scheme (KHIS), serving as a directly comparable state contributory health scheme model.
• Edo State Health Insurance Commission (EDHIC): Operates the Edo State Health Insurance Scheme; another comparable state contributory health scheme with mandatory enrollment structure similar to DSCHC.
• Hygeia HMO: One of Nigeria's largest private Health Maintenance Organizations serving employer-sponsored and individual enrollees; competes with DSCHC in the formal sector and for provider network leverage in Nigeria.
• Ogun State Health Insurance Agency (OGSHIA): Sister state health insurance agency operating the Ogun State Health Insurance Scheme (OGSHIS), structurally analogous to DSCHC with similar mandatory contributory model.
• Lagos State Health Management Agency (LASHMA / Ilera Eko): Lagos State agency operating the mandatory Ilera Eko health insurance scheme, directly comparable as another large Nigerian state-level contributory health scheme. DSCHC explicitly claims enrollment leadership over Lagos State.

Emerging players

• Reliance HMO: Nigerian health-tech-enabled HMO using digital distribution and provider network management; comparable as a tech-forward Nigerian health insurer targeting formal-sector employees in the same market DSCHC serves.

Broad incumbents

• National Health Insurance Scheme (NHIS) Nigeria: Federal-level health insurance authority established in 1999 with national mandate; DSCHC operates in coordination with NHIS for BHCPF implementation and HCF accreditation. NHIS is the umbrella body of which DSCHC is a state-level chapter.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/thedschc

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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M&A

Investments

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Frequently asked questions about DELTA STATE CONTRIBUTORY HEALTH COMMISSION