The New OYSHIA deduction is now official. The Oyo State Government has approved a revised contributory health insurance scheme for all civil and public servants, introducing a 7.5% monthly deduction from basic salary and a significantly expanded benefits package under the scheme known as “Ilẹra Bókú.”

This update, announced through a circular from the Office of the Head of Service, takes effect from 1st March 2026 and applies across all Ministries, Departments and Agencies (MDAs) in the state.

If you are a civil servant in Oyo State, here is everything you need to know—how much you will pay, who is covered, and what you gain in return.
What Is the New OYSHIA Deduction?

The New OYSHIA deduction refers to a compulsory monthly contribution of:

• 7.5% of basic salary
• Paid by all civil and public servants in Oyo State
• Starting March 1, 2026
• Remitted exclusively to the Oyo State Health Insurance Agency (OYSHIA)

The deduction replaces the old structure and is designed to sustainably fund healthcare access for workers and their families.

How OYSHIA deduction Applies to Married Civil Servants

Where both spouses are civil or public servants:

• Each spouse pays 7.5% of their own basic salary
• Each spouse can still register eligible dependants

This confirms that Ilẹra Bókú is an individual contributory scheme, not a joint household plan.

Who Is Covered Under the OYSHIA Health Insurance Scheme?

Under the New OYSHIA deduction, coverage extends to:

• The Civil/Public Servant (Principal)
• The spouse
• Four (4) children, wards, or grandchildren under 18 years

This makes the scheme family-focused while maintaining sustainability.

Ilẹra Bókú: Expanded Benefit Package Explained

One of the most important aspects of the New OYSHIA deduction is the expanded benefit package, which removes co-payments for several essential and high-cost medical services.

Key Benefits Include:

• 100% payment for approved medications (no co-payment)
• 100% payment for approved surgeries
• Annual basic medical check-up for all civil and public servants
• Comprehensive medical check-up every two years for officers on Grade Level 12 and above
• Colonoscopy for male officers aged 50 years and above
• Pap smear screening for female officers aged 30 years and above
• Renal dialysis: One session per month, up to four years
• Cancer care: Up to four sessions of chemotherapy or radiotherapy

These additions place Ilẹra Bókú among the most robust sub-national health insurance schemes in Nigeria.

Click this link to find out how much Oyo State workers will pay monthly for OYSHIA deductions.

Hospital Accreditation and Service Delivery

The revised OYSHIA framework is expected to:

• Improve capitation payments to accredited hospitals
• Raise quality of healthcare delivery
• Expand the number of specialist hospitals and centres accredited by OYSHIA
• For beneficiaries, this means wider choice, better care, and reduced out-of-pocket expenses.

Enrolment and Re-Enrolment Requirements

All civil and public servants must undertake fresh enrolment for themselves and their dependants.
How to Enrol:
Visit www.oyshia.oy.gov.ng
Download the OYSHIA Mobile App on Google Play Store or Apple App Store
OYSHIA will also conduct Training-of-Trainers (TOT) workshops for ICT officers across MDAs to ensure smooth implementation.

Frequently Asked Questions (FAQ) on the New OYSHIA Deduction

How much is the New OYSHIA deduction?
The New OYSHIA deduction is 7.5% of your basic salary, deducted monthly.

When does the New OYSHIA deduction start?
The deduction takes effect from 1st March 2026.

Is the deduction based on total salary?
No. The 7.5% is calculated only on basic salary, not total emoluments.

Can I opt out of the OYSHIA scheme?
No. The scheme is mandatory for all civil and public servants in Oyo State.

How many dependants can I register?
You can register:
One spouse, and
Up to four dependants under the age of 18.

Do married couples pay twice?
Yes. Where both spouses are civil servants, each pays 7.5% of their own basic salary.

Does OYSHIA cover surgeries and cancer treatment?
Yes. Approved surgeries are fully covered, and cancer patients are entitled to up to four sessions of chemotherapy or radiotherapy.

How do I contact OYSHIA for enquiries?
Phone: 07000000697
X (Twitter): @oyshia_oy
Facebook: Oyo State Health Insurance Agency
Instagram: @oyostatehia https://oyshia.oy.gov.ng/

Why the New OYSHIA Deduction Matters

Beyond the debate around deductions, the New OYSHIA deduction signals a shift towards preventive healthcare, early detection, and financial protection for Oyo State workers.

With zero co-payment on key services and expanded coverage for chronic and life-threatening conditions, Ilẹra Bókú aims to reduce health-related financial shocks among civil servants.

As March 2026 approaches, timely enrolment will be key to fully benefiting from the scheme.