ZUMA Health Trust Ltd actively participates in the National Health Insurance Scheme (NHIS) and its programmes. It is involved in the three major programmes of NHIS which includes: the NHIS Formal Sector Social Health Insurance Programme (FSSHIP); the NHIS Informal Sector Social Health Insurance Programmes and, the NHIS Vulnerable Group Social Health Insurance Programme

The FSSHIP is a social health security system in which the health care of employees in the Formal Sector is paid for from funds created by pooling the contributions of employees and employers.
The Formal Sector of the National Health Insurance Scheme consists of the following:
a. Public Sector
b. Organized Private Sector
c. Armed Forces, Police and other Uniformed Services
d. Students of Tertiary Institution Social Health Insurance Programmes (TISHIP)

The Informal Sector Social Health Insurance Programmes is made up of:
a) Community Based Social Health Insurance Programmes (CBSHIP) and the
b) Vital Contributors Social Health Insurance Programme (VCSHIP).