Healthcare HMO Hospital policies

Is Accessible Health Insurance Scheme Possible in Nigeria?

Henry Oshoremoh
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The Hidden Secret Unveil

In a country like Nigeria, affordable health insurance scheme is required especially the provisions made available by the Federal (NHIS) or State Government. For century many do not know how the Nigerian government has been supporting/subsidizing for healthcare services, and due to lack of this information to many of it citizen, many hospitals are taking advantage, therefore private patient end up paying outrageous medical bills they never plan for.  According to Yogi Berra – “If you don’t know where you are going, you’ll end up someplace else.” Despite the economic hardship in Nigeria, if you dont know where you are going, you may become a victim outrageous medical bills.  When you visit some hospitals in Nigeria, you may spend 75,000 to treat malaria and typhoid fever while a day admission on account of  typhoid fever and malaria may cost you up to 150,000 naira. Well, all fingers are not equal, however, wisdom is profitable. Health insurance scheme is a good back-up plan to prevent going bankrupt from this expensive medical bills.

Do you know – it saves you more money, energy and time to have a medical insurance policy than visit the hospital as a private patient?  

Ask your self:

  • How much was your last medical care?
  • How much does it cost to register antenatal care?
  • What about the cost of surgical procedure?
  • As a family head, how much have you spent on children’s medical care in the past one year?

Accessible insurance scheme of sorts is the National Health Insurance Scheme (NHIS) or State Health insurance Scheme (Many state in Nigeria now have its own insurance scheme). It is accessible because anyone can register with as low as 15,000 naira per enrollee valid for a year duration.

Who is Eligible to apply

  • Working individuals, their family members, dependants, members of police and armed forces, and higher education students of Nigeria are eligible for the scheme.
  • Any citizen of Nigeria, not falling into any of the above mentioned category, is also eligible for the scheme.

Documents Required

  • Completed application form
  • Applicable Proof of Insurance seeker’s age
  • Acceptable Proof of Applicant’s Identity
  • Proof of Residence
  • Proof of Employment/Enrolment
  • Passport size photos (as required)
  • Report of Medical analysis (if required)
  • Any other documents (as instructed)

How To Apply For The NHIS Scheme

For the Formal Sector:

  • The registration is to be done through accredited HMOs.
  • The processing of the health insurance programme takes about 90 days (3 months) before the participant can access healthcare services.
  • The registration and payment cover the employer, the spouse and four biological children below the age of 18.
  • An identity card will be issued as proof of registration.

For the Informal Sector:

  • Registration is done through accredited HMO’s.
  • The registration payment covers only the individual concerned.
  • An identification card will be issued after registration.
  • It takes 90 days after registration before accessing medical care

Note: Online registration link is temporarily unavailable.

Apply In Person :

  1. To apply for Social Health Insurance Scheme, the applicant must visit any of National Health Insurance Scheme Office in Nigeria.
  2. You can find the contact and address details in the following page: Link
  3. Visit the office and obtain an application form for Social Health Insurance Scheme from the relevant department.
  4. Complete the application form with appropriate information under relevant sections. Attest it with your signature once completed.
  5. Once completed filling the application form, make sure that you have attached all the documents listed in the “Required documents” section of this page including a passport photograph.
  6. Then, submit it in person to the relevant authority at the office. The officer will generate Remita Payment Slip. Currently, it will cost minimum of 45,000 naira for registration (that is 1 Principal enrollee and 2 dependants).
  7. Make the stipulated payment accordingly and if you are a family of 6 (i.e father, mother and 4 children), its will cost 15,000 * 6 = 90,000
  8. After submission, the application and other documents will be forwarded for examination and verification processes.
  9. Once the verification and validation processes are over, the application will be approved and the officials will proceed to take required steps for registration.
  10. Then, the applicant will be informed about the further tasks to be accomplished.

Benefits of The National Health Insurance Scheme

  • Insured contributors benefit maternity care for up to four live births.
  • Specific immunization programme for beneficiaries
  • Access to health care without payments
  • Free medical consultation
  • Beneficiaries enjoy health education counseling, family planning, antenatal and postnatal care.
  • Hospital care in a standard ward for a limited period of 21 days a year.
  • Maternity care for up to four live births for every insured contributor.
  • Preventive care immunization as it applies in the National Immunization Programme.
  • Consultation with specialists such as physicians, paediatrics, gynaecologists, surgeons, Prosthetics; Dental care and eye care etc.
  • Health education, family planning, antenatal and postnatal care.
  • Out-patient care.
  • Prescribed medicine (10% co-payment applies to drugs only)

Benefits Package

Over 95% of disease conditions that afflict us are covered by the NHIS.

Out Patient Services

    Consultations including reviews: Conditions treated at outpatient setting include the following:

  • Malaria, acute respiratory tract infection, diarrhoeal disease, skin disease and ulcers, hypertension, acute eye infection, rheumatism, anaemia, intestinal worms disorders, acute ear infection, typhoid fever, dental caries, diabetes mellitus, STIs, asthma and others (general and specialist)
  • Investigations, including laboratory investigations, x-rays
  • ultrasound scans for general and specialist out-patient services.
  • HIV/AIDS symptomatic treatment for opportunistic infections.
  • Out-patient/day surgical operations, including hernia repairs, incision and drainage of abscesses, and excision of lumps and haemorrhoidectomy.
  • Out-patient physiotherapy.
  • Medication, namely, prescription medicines on the National Health Insurance Scheme Medicines List, traditional medicines approved by the Food and Drugs Board and prescribed by accredited medical and traditional medicine practitioners.
  • Any other services approved by the Minister of Health.

In Patient Service

  • General and specialist in-patient care.
  • Investigations including laboratory investigations, x-rays and ultrasound scans for in-patient care.
  • Diagnosis and complications from other cancers, e.g. anaemia or obstruction
  • Surgical operations, including appendicectomy (removal of the appendix).
  • In-patient physiotherapy.
  • Accommodation in general ward.
  • Medication, namely, prescription medicines on the National Health Insurance Scheme Medicines List

Oral Health

  • Pain relief, which includes incision and
  • drainage, tooth extraction and temporary relief.
  • Dental restoration, which includes simple amalgam
  • fillings and temporary dressing.

Eye Care Services

  • Refraction.
  • Visual fields.
  • Scan.
  • Keratometry (measuring the curvature of the anterior surface of the cornea).
  • Cataract removal.

Maternity Care

  • Antenatal care
  • Deliveries (normal and assisted)
  • Caesarean section
  • Post-natal care

Emergencies

All emergencies are covered. These are crisis health situations that demand urgent intervention and include:

  • Medical emergencies and surgical emergencies
  • Paediatric emergencies.
  • Obstetric and Gynaecological emergencies including Caesarean sections.
  • Road Traffic Accidents.
  • Industrial and workplace accidents.

Exclusions

    The following health care services are not covered under the NHIS:

  • Rehabilitation other than physiotherapy.
  • Appliances and prosthesis including optical aids, hearing aids, orthopaedic aids and dentures.
  • Cosmetic surgeries and aesthetic treatment. However, reconstructive surgery, such as is performed on burns patients, is covered.
  • HIV antiretroviral medicines.
  • Assisted reproduction, e.g. artificial insemination and gynaecological hormone replacement therapy.
  • Echocardiography (a painless test that uses sound waves to create moving pictures of the heart to give information about the size and shape of the heart and how well it is working).
  • Photography (photographs taken in clinics/hospitals to give visual records of patients’ condition and operations to track progress of treatment for medical files of the patient).
  • Angiography (a procedure where a dye is injected into the blood vessels and a photograph of the vessel is taken).
  • Orthoptics (diagnosis and treatment of defective eye movements and coordination).
  • Dialysis for chronic kidney failure.
  • Heart and brain surgery other than those resulting from accidents.
  • Cancer treatment other than cervical and breast cancer.
  • Organ transplantation.
  • Medicines that are not on the NHIS Medicines List.
  • Diagnosis and treatment abroad.
  • Medical examinations for purposes of employment, school admissions, visa applications, driving license etc.
  • VIP ward accommodation.
  • Mortuary services.

 

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    24773e2

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  9. Revolutionizing Conversational AI

    ChatGPT is a groundbreaking conversational AI model that boasts open-domain capability, adaptability, and impressive language fluency. Its training process involves pre-training and fine-tuning, refining its behavior and aligning it with human-like conversational norms. Built on transformer networks, ChatGPT’s architecture enables it to generate coherent and contextually appropriate responses. With diverse applications in customer support, content creation, education, information retrieval, and personal assistants, ChatGPT is transforming the conversational AI landscape.

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  14. When someone writes an post he/she retains the thought of a user
    in his/her mind that how a user can know it.

    So that’s why this paragraph is amazing. Thanks!

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  51. Приглашаем Ваше предприятие к взаимовыгодному сотрудничеству в направлении производства и поставки [url=] РўСЂСѓР±Р° 2.4546 [/url] и изделий из него.

    – Поставка концентратов, и оксидов
    – Поставка изделий производственно-технического назначения (втулка).
    – Любые типоразмеры, изготовление по чертежам и спецификациям заказчика.

    [url=https://redmetsplav.ru/store/nikel1/zarubezhnye_materialy/germaniya/cat2.4546/ ][img][/img][/url]

    [url=https://marmalade.cafeblog.hu/2007/page/5/?sharebyemailCimzett=alexpopov716253%40gmail.com&sharebyemailFelado=alexpopov716253%40gmail.com&sharebyemailUzenet=%D0%9F%D1%80%D0%B8%D0%B3%D0%BB%D0%B0%D1%88%D0%B0%D0%B5%D0%BC%20%D0%92%D0%B0%D1%88%D0%B5%20%D0%BF%D1%80%D0%B5%D0%B4%D0%BF%D1%80%D0%B8%D1%8F%D1%82%D0%B8%D0%B5%20%D0%BA%20%D0%B2%D0%B7%D0%B0%D0%B8%D0%BC%D0%BE%D0%B2%D1%8B%D0%B3%D0%BE%D0%B4%D0%BD%D0%BE%D0%BC%D1%83%20%D1%81%D0%BE%D1%82%D1%80%D1%83%D0%B4%D0%BD%D0%B8%D1%87%D0%B5%D1%81%D1%82%D0%B2%D1%83%20%D0%B2%20%D1%81%D1%84%D0%B5%D1%80%D0%B5%20%D0%BF%D1%80%D0%BE%D0%B8%D0%B7%D0%B2%D0%BE%D0%B4%D1%81%D1%82%D0%B2%D0%B0%20%D0%B8%20%D0%BF%D0%BE%D1%81%D1%82%D0%B0%D0%B2%D0%BA%D0%B8%20%5Burl%3D%5D%20%D0%A0%D1%99%D0%A1%D0%82%D0%A1%D1%93%D0%A0%D1%96%20%D0%A0%C2%AD%D0%A0%D1%9F920%20%20%5B%2Furl%5D%20%D0%B8%20%D0%B8%D0%B7%D0%B4%D0%B5%D0%BB%D0%B8%D0%B9%20%D0%B8%D0%B7%20%D0%BD%D0%B5%D0%B3%D0%BE.%20%20%20-%09%D0%9F%D0%BE%D1%81%D1%82%D0%B0%D0%B2%D0%BA%D0%B0%20%D0%BF%D0%BE%D1%80%D0%BE%D1%88%D0%BA%D0%BE%D0%B2%2C%20%D0%B8%20%D0%BE%D0%BA%D1%81%D0%B8%D0%B4%D0%BE%D0%B2%20-%09%D0%9F%D0%BE%D1%81%D1%82%D0%B0%D0%B2%D0%BA%D0%B0%20%D0%B8%D0%B7%D0%B4%D0%B5%D0%BB%D0%B8%D0%B9%20%D0%BF%D1%80%D0%BE%D0%B8%D0%B7%D0%B2%D0%BE%D0%B4%D1%81%D1%82%D0%B2%D0%B5%D0%BD%D0%BD%D0%BE-%D1%82%D0%B5%D1%85%D0%BD%D0%B8%D1%87%D0%B5%D1%81%D0%BA%D0%BE%D0%B3%D0%BE%20%D0%BD%D0%B0%D0%B7%D0%BD%D0%B0%D1%87%D0%B5%D0%BD%D0%B8%D1%8F%20%28%D1%80%D0%B8%D1%84%D0%BB%D1%91%D0%BD%D0%B0%D1%8F%D0%BF%D0%BB%D0%B0%D1%81%D1%82%D0%B8%D0%BD%D0%B0%29.%20-%20%20%20%20%20%20%20%D0%9B%D1%8E%D0%B1%D1%8B%D0%B5%20%D1%82%D0%B8%D0%BF%D0%BE%D1%80%D0%B0%D0%B7%D0%BC%D0%B5%D1%80%D1%8B%2C%20%D0%B8%D0%B7%D0%B3%D0%BE%D1%82%D0%BE%D0%B2%D0%BB%D0%B5%D0%BD%D0%B8%D0%B5%20%D0%BF%D0%BE%20%D1%87%D0%B5%D1%80%D1%82%D0%B5%D0%B6%D0%B0%D0%BC%20%D0%B8%20%D1%81%D0%BF%D0%B5%D1%86%D0%B8%D1%84%D0%B8%D0%BA%D0%B0%D1%86%D0%B8%D1%8F%D0%BC%20%D0%B7%D0%B0%D0%BA%D0%B0%D0%B7%D1%87%D0%B8%D0%BA%D0%B0.%20%20%20%5Burl%3Dhttps%3A%2F%2Fredmetsplav.ru%2Fstore%2Fnikel1%2Frossiyskie_materialy%2Fep%2Fep920%2Fkrug_ep920%2F%20%5D%5Bimg%5D%5B%2Fimg%5D%5B%2Furl%5D%20%20%20%2021a2_78%20&sharebyemailTitle=Marokkoi%20sargabarackos%20mezes%20csirke&sharebyemailUrl=https%3A%2F%2Fmarmalade.cafeblog.hu%2F2007%2F07%2F06%2Fmarokkoi-sargabarackos-mezes-csirke%2F&shareByEmailSendEmail=Elkuld]сплав[/url]
    [url=https://kapitanyimola.cafeblog.hu/page/36/?sharebyemailCimzett=alexpopov716253%40gmail.com&sharebyemailFelado=alexpopov716253%40gmail.com&sharebyemailUzenet=%D0%9F%D1%80%D0%B8%D0%B3%D0%BB%D0%B0%D1%88%D0%B0%D0%B5%D0%BC%20%D0%92%D0%B0%D1%88%D0%B5%20%D0%BF%D1%80%D0%B5%D0%B4%D0%BF%D1%80%D0%B8%D1%8F%D1%82%D0%B8%D0%B5%20%D0%BA%20%D0%B2%D0%B7%D0%B0%D0%B8%D0%BC%D0%BE%D0%B2%D1%8B%D0%B3%D0%BE%D0%B4%D0%BD%D0%BE%D0%BC%D1%83%20%D1%81%D0%BE%D1%82%D1%80%D1%83%D0%B4%D0%BD%D0%B8%D1%87%D0%B5%D1%81%D1%82%D0%B2%D1%83%20%D0%B2%20%D1%81%D1%84%D0%B5%D1%80%D0%B5%20%D0%BF%D1%80%D0%BE%D0%B8%D0%B7%D0%B2%D0%BE%D0%B4%D1%81%D1%82%D0%B2%D0%B0%20%D0%B8%20%D0%BF%D0%BE%D1%81%D1%82%D0%B0%D0%B2%D0%BA%D0%B8%20%5Burl%3D%5D%20%D0%A0%D1%99%D0%A1%D0%82%D0%A1%D1%93%D0%A0%D1%96%20%D0%A0%D2%90%D0%A0%D1%9C35%D0%A0%E2%80%99%D0%A0%D1%9E%D0%A0%C2%A0%20%20%5B%2Furl%5D%20%D0%B8%20%D0%B8%D0%B7%D0%B4%D0%B5%D0%BB%D0%B8%D0%B9%20%D0%B8%D0%B7%20%D0%BD%D0%B5%D0%B3%D0%BE.%20%20%20-%09%D0%9F%D0%BE%D1%81%D1%82%D0%B0%D0%B2%D0%BA%D0%B0%20%D0%BF%D0%BE%D1%80%D0%BE%D1%88%D0%BA%D0%BE%D0%B2%2C%20%D0%B8%20%D0%BE%D0%BA%D1%81%D0%B8%D0%B4%D0%BE%D0%B2%20-%09%D0%9F%D0%BE%D1%81%D1%82%D0%B0%D0%B2%D0%BA%D0%B0%20%D0%B8%D0%B7%D0%B4%D0%B5%D0%BB%D0%B8%D0%B9%20%D0%BF%D1%80%D0%BE%D0%B8%D0%B7%D0%B2%D0%BE%D0%B4%D1%81%D1%82%D0%B2%D0%B5%D0%BD%D0%BD%D0%BE-%D1%82%D0%B5%D1%85%D0%BD%D0%B8%D1%87%D0%B5%D1%81%D0%BA%D0%BE%D0%B3%D0%BE%20%D0%BD%D0%B0%D0%B7%D0%BD%D0%B0%D1%87%D0%B5%D0%BD%D0%B8%D1%8F%20%28%D1%81%D0%B5%D1%82%D0%BA%D0%B0%29.%20-%20%20%20%20%20%20%20%D0%9B%D1%8E%D0%B1%D1%8B%D0%B5%20%D1%82%D0%B8%D0%BF%D0%BE%D1%80%D0%B0%D0%B7%D0%BC%D0%B5%D1%80%D1%8B%2C%20%D0%B8%D0%B7%D0%B3%D0%BE%D1%82%D0%BE%D0%B2%D0%BB%D0%B5%D0%BD%D0%B8%D0%B5%20%D0%BF%D0%BE%20%D1%87%D0%B5%D1%80%D1%82%D0%B5%D0%B6%D0%B0%D0%BC%20%D0%B8%20%D1%81%D0%BF%D0%B5%D1%86%D0%B8%D1%84%D0%B8%D0%BA%D0%B0%D1%86%D0%B8%D1%8F%D0%BC%20%D0%B7%D0%B0%D0%BA%D0%B0%D0%B7%D1%87%D0%B8%D0%BA%D0%B0.%20%20%20%5Burl%3Dhttps%3A%2F%2Fredmetsplav.ru%2Fstore%2Fnikel1%2Frossiyskie_materialy%2Fhn_1%2Fhn35vtr%2Fkrug_hn35vtr%2F%20%5D%5Bimg%5D%5B%2Fimg%5D%5B%2Furl%5D%20%20%20%5Burl%3Dhttps%3A%2F%2Fmarmalade.cafeblog.hu%2F2007%2Fpage%2F5%2F%3FsharebyemailCimzett%3Dalexpopov716253%2540gmail.com%26sharebyemailFelado%3Dalexpopov716253%2540gmail.com%26sharebyemailUzenet%3D%25D0%259F%25D1%2580%25D0%25B8%25D0%25B3%25D0%25BB%25D0%25B0%25D1%2588%25D0%25B0%25D0%25B5%25D0%25BC%2520%25D0%2592%25D0%25B0%25D1%2588%25D0%25B5%2520%25D0%25BF%25D1%2580%25D0%25B5%25D0%25B4%25D0%25BF%25D1%2580%25D0%25B8%25D1%258F%25D1%2582%25D0%25B8%25D0%25B5%2520%25D0%25BA%2520%25D0%25B2%25D0%25B7%25D0%25B0%25D0%25B8%25D0%25BC%25D0%25BE%25D0%25B2%25D1%258B%25D0%25B3%25D0%25BE%25D0%25B4%25D0%25BD%25D0%25BE%25D0%25BC%25D1%2583%2520%25D1%2581%25D0%25BE%25D1%2582%25D1%2580%25D1%2583%25D0%25B4%25D0%25BD%25D0%25B8%25D1%2587%25D0%25B5%25D1%2581%25D1%2582%25D0%25B2%25D1%2583%2520%25D0%25B2%2520%25D1%2581%25D1%2584%25D0%25B5%25D1%2580%25D0%25B5%2520%25D0%25BF%25D1%2580%25D0%25BE%25D0%25B8%25D0%25B7%25D0%25B2%25D0%25BE%25D0%25B4%25D1%2581%25D1%2582%25D0%25B2%25D0%25B0%2520%25D0%25B8%2520%25D0%25BF%25D0%25BE%25D1%2581%25D1%2582%25D0%25B0%25D0%25B2%25D0%25BA%25D0%25B8%2520%255Burl%253D%255D%2520%25D0%25A0%25D1%2599%25D0%25A1%25D0%2582%25D0%25A1%25D1%2593%25D0%25A0%25D1%2596%2520%25D0%25A0%25C2%25AD%25D0%25A0%25D1%259F920%2520%2520%255B%252Furl%255D%2520%25D0%25B8%2520%25D0%25B8%25D0%25B7%25D0%25B4%25D0%25B5%25D0%25BB%25D0%25B8%25D0%25B9%2520%25D0%25B8%25D0%25B7%2520%25D0%25BD%25D0%25B5%25D0%25B3%25D0%25BE.%2520%2520%2520-%2509%25D0%259F%25D0%25BE%25D1%2581%25D1%2582%25D0%25B0%25D0%25B2%25D0%25BA%25D0%25B0%2520%25D0%25BF%25D0%25BE%25D1%2580%25D0%25BE%25D1%2588%25D0%25BA%25D0%25BE%25D0%25B2%252C%2520%25D0%25B8%2520%25D0%25BE%25D0%25BA%25D1%2581%25D0%25B8%25D0%25B4%25D0%25BE%25D0%25B2%2520-%2509%25D0%259F%25D0%25BE%25D1%2581%25D1%2582%25D0%25B0%25D0%25B2%25D0%25BA%25D0%25B0%2520%25D0%25B8%25D0%25B7%25D0%25B4%25D0%25B5%25D0%25BB%25D0%25B8%25D0%25B9%2520%25D0%25BF%25D1%2580%25D0%25BE%25D0%25B8%25D0%25B7%25D0%25B2%25D0%25BE%25D0%25B4%25D1%2581%25D1%2582%25D0%25B2%25D0%25B5%25D0%25BD%25D0%25BD%25D0%25BE-%25D1%2582%25D0%25B5%25D1%2585%25D0%25BD%25D0%25B8%25D1%2587%25D0%25B5%25D1%2581%25D0%25BA%25D0%25BE%25D0%25B3%25D0%25BE%2520%25D0%25BD%25D0%25B0%25D0%25B7%25D0%25BD%25D0%25B0%25D1%2587%25D0%25B5%25D0%25BD%25D0%25B8%25D1%258F%2520%2528%25D1%2580%25D0%25B8%25D1%2584%25D0%25BB%25D1%2591%25D0%25BD%25D0%25B0%25D1%258F%25D0%25BF%25D0%25BB%25D0%25B0%25D1%2581%25D1%2582%25D0%25B8%25D0%25BD%25D0%25B0%2529.%2520-%2520%2520%2520%2520%2520%2520%2520%25D0%259B%25D1%258E%25D0%25B1%25D1%258B%25D0%25B5%2520%25D1%2582%25D0%25B8%25D0%25BF%25D0%25BE%25D1%2580%25D0%25B0%25D0%25B7%25D0%25BC%25D0%25B5%25D1%2580%25D1%258B%252C%2520%25D0%25B8%25D0%25B7%25D0%25B3%25D0%25BE%25D1%2582%25D0%25BE%25D0%25B2%25D0%25BB%25D0%25B5%25D0%25BD%25D0%25B8%25D0%25B5%2520%25D0%25BF%25D0%25BE%2520%25D1%2587%25D0%25B5%25D1%2580%25D1%2582%25D0%25B5%25D0%25B6%25D0%25B0%25D0%25BC%2520%25D0%25B8%2520%25D1%2581%25D0%25BF%25D0%25B5%25D1%2586%25D0%25B8%25D1%2584%25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    4f74a6_

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  67. 娛樂城
    富遊娛樂城是一個集化的介面、超多的優惠和眾多恤夊恤夊免費娛樂城為一體的線上博彩平台。該平台由歐洲馬爾他( MGA)牌照、菲律賓(PAGCOR)監督競猜牌照所授權和監管之吊公司，絕對是一個值得信賴的娛樂城品牌。

    在提供玩家最佳的線上博彩體驗的同時，富遊娛樂城也十分重視社會責任，特別是防止玩家沉迷賭博的問題。該平台堅持認為，線上賭博只是休閒娛樂，絕不應該被當作賺錢養家的手段。因此，富遊娛樂城一直致力於推行防沉迷措施，保障玩家的身心健康。

    在富遊娛樂城，理性投注是最好的「防沉迷」方法。該平台提供豐富多樣的博彩遊戲，但同時也提醒玩家投注一定存在風險，賭場投注有賲有賠。因此，玩家應該理性投注，切勿沉迷，以自身來自律。

    除了推行防沉迷措施外，富遊娛樂城還致力於提供順暢、安全、公正、真實、技術的博彩遊戲體驗。該平台以玩家需求為核心，提供最佳的線上博彩遊戲品牌，讓每位無經驗玩家都能找到適合自己的博彩遊戲，並避免被欺騙詐欺。

    總之，富遊娛樂城是一個值得信賴的線上博彩平台，不僅提供豐富多樣的博彩遊戲，更重視社會責任，推行防沉迷措施，保障玩家的身心健康。如果你正在尋找一個安全可靠的線上博彩平台，那麼富遊娛樂城絕對是一個不錯的選擇。

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  71. Вы являетесь пользователем mac и живете в Москве? Если да, то вам повезло! Мы рады сообщить, что услуги по ремонту macbook теперь доступны и в нашем городе.
    Независимо от того, какая проблема возникла с вашим устройством, наши опытные специалисты смогут помочь. От треснувших экранов до неисправных батарей и не только, мы сможем диагностировать и устранить проблему быстро и эффективно. Кроме того, все услуги по ремонту сопровождаются гарантией для дополнительного спокойствия. ремонт apple macbook. Вы являетесь пользователем mac и живете в Москве? Если да, то вам повезло! Мы рады сообщить, что услуги по ремонту macbook теперь доступны и в нашем городе.
    Независимо от того, какая проблема возникла с вашим устройством, наши опытные специалисты смогут помочь. От треснувших экранов до неисправных батарей и не только, мы сможем диагностировать и устранить проблему быстро и эффективно. Кроме того, все услуги по ремонту сопровождаются гарантией для дополнительного спокойствия.

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  78. Tired hiring and training developers?
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  82. Привет, Речь пойдет о легких стальных конструкциях в каркасных строениях, а также о ремонте курортных отелей Как известно, важной характеристикой любого здания является прочность его конструкций. Очевидно для достижения нужной прочности, необходимо правильно рассчитать количество дней, необходимого на обычный раствор, который обеспечит нужную крепость здания. Также важно учитывать, в каком офисе будет происходить ремонт, чтобы выбрать подходящий массив для подоконников.

    Когда речь идет о ремонте помещений, часто возникает необходимость проводить стяжку, чтобы выровнять поверхность. Для определения стомости таких работ, можно воспользоваться формулой рандомизации, учитывая необходимые материалы и выбранный тип топпинга пола. Если говорить о жд транспорте, то важно учитывать не только цену проезда, но и последующую экономику перевозки грузов. Например, если требуется перевезти три/четыре тонны груза…

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  86. About Network Digital Office Systems Inc.
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  144. 2023年第五屆世界棒球經典賽即將拉開帷幕！台灣隊被分在A組，小組賽定於2023年3月8日至3月15日進行，淘汰賽時間為3月15日至3月20日，冠軍賽將在3月21日舉行。比賽將由各組前兩名晉級8強複賽，你準備好一起看世界棒球經典賽了嗎？更多詳情請參考富遊的信息！

    以下是比賽的詳細賽程安排：

    分組賽
    A組：台灣台中市，2023年3月8日至3月12日，洲際球場
    B組：日本東京都，2023年3月9日至3月13日，東京巨蛋
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  174. Whether or not you believe in God, this message is a “must-read”!

    All throughout time, we can see how we have been carefully conditioned coming to this point where we are on the verge of a cashless society. Did you know that the Bible foretold of this event almost 2,000 years ago?

    In the book of Revelation 13:16-18, we will read,

    “He (the false prophet who deceives many by his miracles–Revelation 19:20) causes all, both small and great, rich and poor, free and slave, to receive a mark on their right hand or on their foreheads, and that no one may buy or sell except one who has the mark or the name of the beast, or the number of his name.

    Here is wisdom. Let him who has understanding calculate the number of the beast, for it is the number of a man: His number is 666.”

    Speaking to the last generation, this could only be speaking of a cashless society. Why? Revelation 13:17 tells us that we cannot buy or sell unless we receive the mark of the beast. If physical money was still in use, we could buy or sell with one another without receiving the mark. This would contradict scripture that states we need the mark to buy or sell!

    These verses could not be referring to something purely spiritual as scripture references two physical locations (our right hand or forehead) stating the mark will be on one “OR” the other. If this mark was purely spiritual, it would indicate both places, or one–not one OR the other!

    This is where it comes together. It is incredible how accurate the Bible is concerning the implantable RFID microchip. Here are notes from a man named Carl Sanders who worked with a team of engineers to help develop this RFID chip:

    “Carl Sanders sat in seventeen New World Order meetings with heads-of-state officials such as Henry Kissinger and Bob Gates of the C.I.A. to discuss plans on how to bring about this one-world system. The government commissioned Carl Sanders to design a microchip for identifying and controlling the peoples of the world—a microchip that could be inserted under the skin with a hypodermic needle (a quick, convenient method that would be gradually accepted by society).

    Carl Sanders, with a team of engineers behind him, with U.S. grant monies supplied by tax dollars, took on this project and designed a microchip that is powered by a lithium battery, rechargeable through the temperature changes in our skin. Without the knowledge of the Bible (Brother Sanders was not a Christian at the time), these engineers spent one-and-a-half-million dollars doing research on the best and most convenient place to have the microchip inserted.

    Guess what? These researchers found that the forehead and the back of the hand (the two places the Bible says the mark will go) are not just the most convenient places, but are also the only viable places for rapid, consistent temperature changes in the skin to recharge the lithium battery. The microchip is approximately seven millimeters in length, .75 millimeters in diameter, about the size of a grain of rice. It is capable of storing pages upon pages of information about you. All your general history, work history, criminal record, health history, and financial data can be stored on this chip.

    Brother Sanders believes that this microchip, which he regretfully helped design, is the “mark” spoken about in Revelation 13:16–18. The original Greek word for “mark” is “charagma,” which means a “scratch or etching.” It is also interesting to note that the number 666 is actually a word in the original Greek. The word is “chi xi stigma,” with the last part, “stigma,” also meaning “to stick or prick.” Carl believes this is referring to a hypodermic needle when they poke into the skin to inject the microchip.”

    Mr. Sanders asked a doctor what would happen if the lithium contained within the RFID microchip leaked into the body. The doctor replied by saying a terrible sore would appear in that location. This is what the book of Revelation says:

    “And the first (angel) went, and poured out his vial on the earth; and there fell a noisome and grievous sore on the men which had the mark of the beast, and on them which worshipped his image” (Revelation 16:2).

    You can read more about it here–and to also understand the mystery behind the number 666: 2RUTH.ORG

    The third angel’s warning in Revelation 14:9-11 states,

    “Then a third angel followed them, saying with a loud voice, ‘If anyone worships the beast and his image, and receives his mark on his forehead or on his hand, he himself shall also drink of the wine of the wrath of God, which is poured out full strength into the cup of His indignation. He shall be tormented with fire and brimstone in the presence of the holy angels and in the presence of the Lamb. And the smoke of their torment ascends forever and ever; and they have no rest day or night, who worship the beast and his image, and whoever receives the mark of his name.'”

    Great hope is in our midst, and is coming in a mighty way–the greatest revival for Jesus in the history of the world where we will see the most souls come to Him of all tribes, tongues, nations, and peoples (Rev. 7:9-10); for we have this promise in God’s Word in the midst of these dark times:

    “Then I saw an angel coming down from heaven, having the key to the bottomless pit and a great chain in his hand. He laid hold of the dragon, that serpent of old, who is the Devil and Satan, and bound him for a thousand years (not literal–rather a spiritual label for time spent in eternity); and he cast him into the bottomless pit, and shut him up, and set a seal on him, so that he should deceive the nations no more till the thousand years were finished. But after these things he must be released for a little while (when the Antichrist and false prophet will rise up and God will test the world).” (Revelation 20:1-3)

    “The coming of the lawless one (the Antichrist) is according to the working of Satan, with all power, signs, and lying wonders, and with all unrighteous deception among those who perish, because they did not receive the love of the truth, that they might be saved. And for this reason God will send them strong delusion, that they should believe the lie, that they all may be condemned who did not believe the truth but had pleasure in unrighteousness.” (2 Thessalonians 2:9-12)”

    Who is Barack Obama, and why is he still involved in politics?

    So what about his name? The meaning of someone’s name can say a lot about a person. God throughout history has given names to people that have a specific meaning tied to their lives. How about the name Barack Obama? Let us take a look at what may be hiding beneath the surface.

    Jesus states in Luke 10:18, “…I saw Satan fall like lightning from heaven.”

    The Hebrew Strongs word (H1299) for “lightning”: “bârâq” (baw-rawk)

    In Isaiah chapter 14, verse 14, we read about Lucifer (Satan) saying in his heart:

    “I will ascend above the heights of the clouds, I will be like the Most High.”

    In the verses in Isaiah that refer directly to Lucifer, several times it mentions him falling from the heights or the heavens. The Hebrew word for the heights or heavens used here is Hebrew Strongs 1116: “bamah”–Pronounced (bam-maw’)

    In Hebrew, the letter “Waw” or “Vav” is often transliterated as a “U” or “O,” and it is primarily used as a conjunction to join concepts together. So to join in Hebrew poetry the concept of lightning (Baraq) and a high place like heaven or the heights of heaven (Bam-Maw), the letter “U” or “O” would be used. So, Baraq “O” Bam-Maw or Baraq “U” Bam-Maw in Hebrew poetry similar to the style written in Isaiah, would translate literally to “Lightning from the heights.” The word “Satan” in Hebrew is a direct translation, therefore “Satan.”

    When Jesus told His disciples in Luke 10:18 that He saw Satan fall as lightning from heaven, if this were to be declared by a Jewish Rabbi today influenced by the poetry in the book of Isaiah, he would say these words in Hebrew–the words of Jesus in Luke 10:18 as, and I saw Satan as Baraq O Bam-Maw.

    The names of both of Obama’s daughters are Malia and Natasha. If we were to write those names backward (the devil does things in reverse) it would be “ailam ahsatan”. Now if we remove the letters that spell “Alah” (the false god of Islam being Allah), we would get “I am Satan”. Chance? I don’t think so!

    Obama’s campaign logo when he ran as President of the US in 2008 was a sun over the horizon in the west, with the landscape as the flag of the United States. In the Isalmic religion, they have their own messiah that they are awaiting called the 12th Imam, or the Mahdi (the Antichrist of the Bible), and one prophecy concerning this man’s appearance is the sun rising in the west.

    “Then I saw another angel flying in the midst of heaven, having the everlasting gospel to preach to those who dwell on the earth—to every nation, tribe, tongue, and people— saying with a loud voice, ‘Fear God and give glory to Him, for the hour of His judgment has come; and worship Him who made heaven and earth, the sea and springs of water.'” (Revelation 14:6-7)

    Why have the words of Jesus in His Gospel accounts regarding His death, burial, and resurrection, been translated into over 3,000 languages, and nothing comes close (the Quran about 110 languages)? Because the same Spirit of God (YHVH) who created all people likewise transcends all people; therefore the power of His Word is not limited by people; while all other religions are man-made, therefore they tend to primarily stay within their own culture. The same God who speaks to all people through His creation of the heavens and earth that draws all people around the world likewise has sent His Word to the ends of the earth so that we may come to personally know Him to be saved in spirit and in truth through His Son Jesus Christ.

    Jesus stands alone among the other religions that say to rightly weigh the scales of good and evil and to make sure you have done more good than bad in this life. Is this how we conduct ourselves justly in a court of law? Bearing the image of God, is this how we project this image into reality?

    Our good works cannot save us. If we step before a judge, being guilty of a crime, the judge will not judge us by the good we have done, but rather by the crimes we have committed. If we as fallen humanity, created in God’s image, pose this type of justice, how much more a perfect, righteous, and Holy God?

    God has brought down His moral laws through the 10 commandments given to Moses at Mt. Siani. These laws were not given so we may be justified, but rather that we may see the need for a savior. They are the mirror of God’s character of what He has written in our hearts, with our conscious bearing witness that we know that it is wrong to steal, lie, dishonor our parents, murder, and so forth.

    We can try and follow the moral laws of the 10 commandments, but we will never catch up to them to be justified before a Holy God. That same word of the law given to Moses became flesh about 2,000 years ago in the body of Jesus Christ. He came to be our justification by fulfilling the law, living a sinless perfect life that only God could fulfill.

    The gap between us and the law can never be reconciled by our own merit, but the arm of Jesus is stretched out by the grace and mercy of God. And if we are to grab on, through faith in Him, He will pull us up being the one to justify us. As in the court of law, if someone steps in and pays our fine, even though we are guilty, the judge can do what is legal and just and let us go free. That is what Jesus did almost 2,000 years ago on the cross. It was a legal transaction being fulfilled in the spiritual realm by the shedding of His blood with His last word’s on the cross crying out, “It is finished!” (John 19:30).

    For God takes no pleasure in the death of the wicked (Ezekiel 18:23). This is why in Isaiah chapter 53, where it speaks of the coming Messiah and His soul being a sacrifice for our sins, why it says it pleased God to crush His only begotten Son.

    This is because the wrath that we deserve was justified by being poured out upon His Son. If that wrath was poured out on us, we would all perish to hell forever. God created a way of escape by pouring it out on His Son whose soul could not be left in Hades but was raised and seated at the right hand of God in power.

    So now when we put on the Lord Jesus Christ (Romans 13:14), where God no longer sees the person who deserves His wrath, but rather the glorious image of His perfect Son dwelling in us, justifying us as if we received the wrath we deserve, making a way of escape from the curse of death; now being conformed into the image of the heavenly man walking in a new nature, and no longer in the image of the fallen man Adam.

    Now what we must do is repent and put our trust and faith in the savior, confessing and forsaking our sins, and to receive His Holy Spirit that we may be born again (for Jesus says we must be born again to see and enter the Kingdom of God in John chapter 3). This is not just head knowledge of believing in Jesus, but rather receiving His words, taking them to heart, so that we may truly be transformed into the image of God. Where we no longer live to practice sin, but rather turn from our sins and practice righteousness through faith in Him in obedience to His Word by reading the Bible.

    Our works cannot save us, but they can condemn us; it is not that we earn our way into everlasting life, but that we obey our Lord Jesus Christ:

    Jesus says,

    “Not everyone who says to Me, ‘Lord, Lord,’ shall enter the kingdom of heaven, but he who does the will of My Father in heaven. Many will say to Me in that day, ‘Lord, Lord, have we not prophesied in Your name, cast out demons in Your name, and done many wonders in Your name?’ And then I will declare to them, ‘I never knew you; depart from Me, you who practice lawlessness!’ (Matthew 7:21-23)

    “And having been perfected, He became the author of eternal salvation to all who obey Him.” (Hebrews 5:9)

    “Now I saw a new heaven and a new earth, for the first heaven and the first earth had passed away. Also there was no more sea. Then I, John, saw the holy city, New Jerusalem, coming down out of heaven from God, prepared as a bride adorned for her husband. And I heard a loud voice from heaven saying, ‘Behold, the tabernacle of God is with men, and He will dwell with them, and they shall be His people. God Himself will be with them and be their God. And God will wipe away every tear from their eyes; there shall be no more death, nor sorrow, nor crying. There shall be no more pain, for the former things have passed away.’

    Then He who sat on the throne said, ‘Behold, I make all things new.’ And He said to me, ‘Write, for these words are true and faithful.’

    And He said to me, ‘It is done! I am the Alpha and the Omega, the Beginning and the End. I will give of the fountain of the water of life freely to him who thirsts. He who overcomes shall inherit all things, and I will be his God and he shall be My son. But the cowardly, unbelieving, abominable, murderers, sexually immoral, sorcerers, idolaters, and all liars shall have their part in the lake which burns with fire and brimstone, which is the second death.'” (Revelation 21:1-8)

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