Lagos State Health Management Agency

What Lagos State Health Management Agency does

Lagos State Health Management Agency (LASHMA) is the statutory health insurance coordination agency of the Lagos State Government, established by the Lagos State Health Scheme Law No. 4 of 25 May 2015, with public access to services commencing on 1 July 2019. The agency operates the ILERA EKO health insurance scheme, which is mandatory for all Lagos residents, all public and private sector employees, the self-employed, and the unemployed. It serves a fragmented Lagos market that historically lacked affordable, regulated health coverage by offering four publicly priced annual subscription plans: Standard Jaara (₦15,000/yr), Jaara Plus (₦40,000/yr, flagged as "Most Popular"), Seniors (₦60,000/yr), and a flexible-pricing Diaspora Plan for Nigerians abroad sponsoring family in Lagos.

The agency operates a multi-channel distribution model combining direct self-service digital enrollment via lashma.myclinify.com (powered by third-party platform provider Prognosis/MyClinify), a network of ~20 licensed marketing agents (insurance brokers and banks including Sterling Bank, Cornerstone, Fengate, MyCoverGenius, Jara Benefit, and Latia Global), a dedicated Business Development unit driving corporate and institutional enrollment, and the EKOSHA resource-mobilization programme that channels donations, adoptions, and CSR funding to subsidize premiums for vulnerable residents. Its core technology is the ILERA EKO digital enrollment and member management platform, which includes telemedicine and Virtual Booth (VBooth) integration, a centralized 451+-provider directory spanning all 20 Lagos LGAs, NDPR-compliant data security architecture, and a configurable multi-tier benefit engine.

LASHMA generates revenue through annual recurring premiums from individuals, families, seniors, and diaspora sponsors, supplemented by EKOSHA donor/crowdfunding inflows targeting an estimated 6M vulnerable residents. As of 2025 the agency reports 1.4M+ lives covered and operates with a lean leadership team (1 Permanent Secretary and 6 department heads covering Finance, Business Development, ICT, EKOSHA, Planning/M&E, and Client Service). The agency is fully owned and controlled by the Lagos State Government with statutory funding through the Lagos State Health Fund (LASHEF); no private equity, venture capital, or third-party ownership is referenced.

Name

Lagos State Health Management Agency

Legal name

Lagos State Health Management Agency

Website

https://lashma.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

51–100 employees

Short description

Lagos State Health Management Agency (LASHMA) is the Lagos State Government agency operating the mandatory ILERA EKO health insurance scheme, serving 1.4M+ residents across individuals, families, seniors, and diaspora Nigerians via four subscription plan tiers and a 451+-provider network spanning all 20 Lagos LGAs.

Ownership category

akta.pro rank

Product category

Government Health Insurance

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Direct Health and Medical Insurance Carriers (524114)

SIC

Insurance Agents, Brokers & Service (6411), Services-Health Services (8000)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

akta.pro secondary industries

Care Management & Population Health Program Administration (HLAEALAG), Self-Funded (ASO) Group Health Plans & Stop-Loss (FSAIAFAB)

Keywords

• Government health insurance
• Social health scheme
• Health plan enrollment
• Health insurance administration
• Healthcare access programs

Headquarters

HQ city

Ikeja

HQ country

Nigeria

HQ region

Africa

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. ILERA EKO Health Plan Premiums: Annual recurring premiums from individuals, families, seniors, and diaspora members across four plans (Standard Jaara at ₦15,000/yr individual, Jaara Plus at ₦40,000/yr, Senior at ₦60,000/yr, Diaspora flexible sponsorship). Family/couple pricing tiers also offered (e.g., ₦55,000, ₦146,000, ₦100,000). Coverage activates instantly upon enrollment.
2. Corporate & Institutional Enrollment: B2B/enterprise scheme sales negotiated by the Business Development department with employers, HMOs, and institutional partners to enroll employee populations in ILERA EKO.
3. EKOSHA Crowdfunding & Donor Funding: Donations, sponsorship of vulnerable enrollees ("Adoption" model), and event-driven fundraising channelled through the Eko Social Health Alliance (EKOSHA) to subsidize premiums for an estimated 6M vulnerable Lagos residents.

Pricing tiers

Go-to-market motion5 records

Distribution channels5 records

Marketing channels7 records

Core offering

LASHMA administers the Lagos State Health Scheme (LSHS) under the ILERA EKO brand, selling subscription-based health insurance plans — Standard Jaara (₦15,000/yr), Jaara Plus (₦40,000/yr), Senior's Plan (₦60,000/yr), and a flexible Diaspora Plan — to Lagos State residents, employees, and diaspora sponsors. Coverage is delivered through a 451+ accredited provider network across all 20 Lagos Local Government Areas and supported by a digital enrollment/payments platform (MyClinify/Prognosis) with telemedicine and Virtual Booth (VBooth) capabilities. The EKOSHA programme subsidises premiums for vulnerable residents via crowdfunding, adoption, and donor partnerships.

Differentiator

Problem solved

Functional benefit

Brands

• EKOSHA (Eko Social Health Alliance): Resource mobilization arm of LASHMA that identifies vulnerable residents, raises additional funds for health insurance premiums, and enables access to healthcare in Lagos State through crowdfunding, adoption, and events.
• ILERA EKO

Products and services

• ILERA EKO Standard Jaara Plan Essential annual health insurance plan for Lagos State residents offered at ₦15,000 per individual per year (₦55,000 family/couple), providing 4 specialist visits per year, 15 hospital days on a standard ward, and maternity and newborn care. Targeted at self-employed individuals, gig workers, market traders, and any Lagos resident without employer-backed health insurance seeking affordable entry-level coverage under the state-mandated ILERA EKO scheme.
• ILERA EKO Standard Jaara Plus Plan Enhanced annual health insurance plan for Lagos State residents priced at ₦40,000 per individual per year (₦146,000 family/couple), providing 8 specialist visits, 21 hospital days on a semi-private ward, Telemedicine and Virtual Booth (VBooth) access, and cancer cover up to ₦2.5M. Marketed as the most popular ILERA EKO plan for families needing coverage for spouse and up to 4 children under a single affordable policy.
• ILERA EKO Senior's Plan (60+) Specialised annual health insurance plan for Lagos residents aged 60 and over, priced at ₦60,000 per individual per year (₦100,000 couple), providing 15 physiotherapy sessions, home care nursing, cancer cover up to ₦2.5M, 20 hospital days on a standard ward, and coverage for pre-existing diabetic care via an Endocrinologist. Designed for geriatric, chronic-disease, and home-care needs.
• ILERA EKO Diaspora Plan Flexible sponsorship-based health insurance plan for Nigerians living abroad to sponsor full LASHMA benefits for parents, siblings, or family members residing in Lagos State. Pricing is sponsor-defined and pay-as-you-go, with online enrollment and payment through lashma.myclinify.com and the same provider network of 451+ accredited facilities across all 20 Lagos LGAs.

Quantifiable outcome

• 1.4M+ Lagos residents covered under ILERA EKO
• +4 more outcomes

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature5 records

Partnerships

23 partnerships are on record, tiered flagship, core and minor.

• Lagos State GovernmentflagshipStrategic or Co-development PartnerLASHMA is the agency established by the Lagos State Health Scheme Law (Law No. 4 of 25 May 2015) to coordinate all health insurance activities in Lagos State. The Lagos State Health Scheme is mandatory for all residents, all public and private sector employees, the self-employed and the unemployed, with the overall goal of universal access to quality healthcare.
• Prognosis (ICT Platform Provider)coreTechnology or IntegrationPrognosis is referenced as LASHMA's ICT platform provider powering the LASHMA website, mobile application, online enrollment, premium payments, claims processing, and member data infrastructure — collectively described as the "Prognosis Platforms."
• Sterling Bank LtdcoreChannel Partner/ Reseller/ DistributorLicensed marketing agent authorised to sell and distribute ILERA EKO health plans in Lagos. Contact lines 07010013123 and 08147576957. Listed among ~20 accredited agents on the LASHMA marketing agents page.
• Cornerstone Insurance BrokersminorChannel Partner/ Reseller/ DistributorLicensed marketing agent for ILERA EKO plans (contact: 08051000528).
• Fengate Insurance Brokers LimitedminorChannel Partner/ Reseller/ DistributorLicensed marketing agent for ILERA EKO plans (contacts: 08033598914, 08023178325).
• MyCoverGeniusminorChannel Partner/ Reseller/ DistributorLicensed marketing agent for ILERA EKO plans (contacts: 08107511691, 07030943534).
• Jara BenefitminorChannel Partner/ Reseller/ DistributorLicensed marketing agent for ILERA EKO plans (contacts: 08164086661, 07038517665).
• Confiance Insurance Brokers LimitedminorChannel Partner/ Reseller/ DistributorLicensed marketing agent for ILERA EKO plans (contacts: 08033123174, 08134319495).
• Denos Insurance Brokers LimitedminorChannel Partner/ Reseller/ DistributorLicensed marketing agent for ILERA EKO plans (contacts: 08023256984, 09068908446).
• Skyyd Brokers LimitedminorChannel Partner/ Reseller/ DistributorLicensed marketing agent for ILERA EKO plans (contacts: 08050712625, 09136982985).
• Latia Global Investment LimitedminorChannel Partner/ Reseller/ DistributorLicensed marketing agent for ILERA EKO plans (contacts: 08081181733, 07025102297).
• Advantage Network Holding LimitedminorChannel Partner/ Reseller/ DistributorLicensed marketing agent for ILERA EKO plans (contacts: 07030896961, 08091176797).
• Cottage Assets and Logistics Management LimitedminorChannel Partner/ Reseller/ DistributorLicensed marketing agent for ILERA EKO plans (contacts: 08023044764, 08126383374).
• Advance Hyperconverger LimitedminorChannel Partner/ Reseller/ DistributorLicensed marketing agent for ILERA EKO plans (contacts: 08036339696, 08140467864).
• Benjamin & TenofminorChannel Partner/ Reseller/ DistributorLicensed marketing agent for ILERA EKO plans (contacts: 08088269999, 08146946169).
• Anibal Global LimitedminorChannel Partner/ Reseller/ DistributorLicensed marketing agent for ILERA EKO plans (contact: 08107250588).
• Datis Nigeria LimitedminorChannel Partner/ Reseller/ DistributorLicensed marketing agent for ILERA EKO plans (contacts: 08107250588, 08121274952).
• Nucleus Information System LimitedminorChannel Partner/ Reseller/ DistributorLicensed marketing agent for ILERA EKO plans (contacts: 09022624769, 07061356622).
• Stevic Investment and Integrated LimitedminorChannel Partner/ Reseller/ DistributorLicensed marketing agent for ILERA EKO plans (contacts: 08023001164, 08022222424).
• Oilbrook CompanyminorChannel Partner/ Reseller/ DistributorLicensed marketing agent for ILERA EKO plans (contact: 09124340434).
• Cloud ClinicminorChannel Partner/ Reseller/ DistributorLicensed marketing agent for ILERA EKO plans (contact: 08148641594).
• Right Option Insurance BrokersminorChannel Partner/ Reseller/ DistributorLicensed marketing agent for ILERA EKO plans (contact: 08038755443).
• EKOSHA Donor & CSR Ecosystem (Faith-based organisations, Telecoms/Mobile network providers, Development partners, Corporate bodies, Cooperatives)coreGTM or Marketing PartnerEKOSHA explicitly calls on individuals, faith-based organisations, telecoms and mobile network providers, development partners, corporate bodies, and cooperatives to apply corporate/commercial social responsibility to pay premiums for an estimated 6M vulnerable Lagos residents.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Market position

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Lagosstatehealthscheme
• Instagraminstagram.com/lashma__
• Xx.com/LagHealthScheme
• LinkedInlinkedin.com/company/lagos-state-health-management-agency

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Lagos State Health Management Agency