Kampe Diaspora Plus – Kampe Healthcare

Kampe Plus Diaspora

The Kampe Plus Diaspora Plan is a comprehensive health insurance plan offered by Kampe Healthcare in Nigeria for people with ties to Nigeria in the Diaspora. It provides primary healthcare benefits such as outpatient services, immunization, surgical procedures, internal medicine, HIV/AIDS treatment, mental health services, pediatrics, obstetrics and gynecology, ophthalmology, emergency care, child welfare services, family planning, and dental care. Additionally, it covers secondary care for cases that require specialized treatment beyond primary care facilities and tertiary care for cases that are beyond the primary and secondary care level. See comprehensive details on plan coverage below.

Primary Healthcare Level

OUTPATIENT CARE

Services to be offered include proper history taking, examination and routine laboratory investigations to help reach a diagnosis. Laboratory investigations include malaria parasite, WBC, Haemoglobin estimate or packed cell volume, urinalysis, stool and urine microscopy, Blood film for microfilaria, ESR, WBC-diff, pregnancy test (urine), Blood grouping, Blood Sugar and widal test.

IMMUNIZATION

Immunization against childhood killr diseases. The vaccines are BCG, Oral Polio, DPT, Measles, Hepatitis B, HPV and Vitamin. A supplementation and other vaccines that may be included in the National program on immunization from time to time.

INTERNAL MEDICINE

Malaria and other acute uncomplicated febrile illnesses

Uncomplicated Diarrhea diseases

Acute upper respiratory tract infections

Uncomplicated pneumonia

Simple anaemia (not requiring blood transfusion)

Simple skin diseases, e.g. Taeniavesicolor, M. furfur, T. Capitis, etc.

Worm infestation

Other uncomplicated bacteria, fungal, parasitic and viral infections and illnesses

Dog bites, snakebites, scorpion stings Arthritis

SURGICAL PROCEDURE

Drainage of simple abscess (I&D)

Minor wound debridement

Surgical repairs of simple lacerations

Drainage of paronychia

Circumcision of male infants

Passage of urethral catheter

HIV/AIDS

Voluntary Counseling and testing

Health education

Treatment of simple opportunistic infections

STIs

Counseling

Health Education

Management of uncomplicated STIs

MENTAL HEALTH

Psychosomatic illnesses

Insomnia

PAEDIATRICS

Feeding problems and nutritional services

Treatment of common childhood illnesses, e.g., (malaria, other febrile illnesses, vomiting and uncomplicated diarrhoeal diseases, uncomplicated malnutrition, failure to thrive, measles, upper respiratory tract infections, uncomplicated pneumonia and other childhood exanthemas, simple skin diseases and viral illnesses)

OBSTETRICS & GYNECOLOGY

Acute pelvic inflammatory diseases

Vaginal discharges

Routine maternity care for all pregnancies (ante-natal, delivery & post-natal) except where complication(s) exist.

Note: Post natal care cover the neonate and preterm/ premature babies for 12 weeks after delivery

OPHTHALMALOGY

Treatment of minor eye ailments including:

Conjunctivitis

Simple contusion, abrasions, foreign bodies etc

Emergency Care

Establishing an intravenous line

Establishing patent airway

Management of convulsion

Control of bleeding

Cardio-pulmonary resuscitation

Immobilization of fractures using splints, neck collars, to ease transportation of patients

Aspiration of mucus plug to clear airways

Asthmatic Attacks

CHILD WELFARE SERVICES

Growth monitoring

Routine immunization

Nutritional advice and health education.

FAMILY PLANNING SERVICES

This includes family planning education only

DENTAL CARE

Dental care education (preventative and promotive oral care)

Secondary Healthcare Level

SURGICAL PROCEDURES

All other procedures that cannot be handled at the primary level of care can be undertaken at the Secondary level, depending on the complexity and the competence of the facility and its Personnel, except those conditions requiring tertiary care or on the exclusion list.

Note: Hospital stay in orthopedic cases is allowed for 6 cumulative weeks and does not in any way foreclose post hospitalization management. The primary healthcare facility of enrollee shall pay per diem for the first 15 cumulative days of hospitalization while the HMO shall pay for the remaining 27 cumulative days per year.

Internal Medicine

All other cases that cannot be treated at the Primary level must be promptly referred to a Secondary center, except those conditions requiring tertiary care or on the exclusion list.

HIV/AIDS

HIV Screening and Confirmation

Management of opportunistic infections

Provision of ART

PAEDIATRICS

All medical and surgical paediatric cases that cannot be handled at the Primary level except those requiring tertiary care or on the exclusion list

OBSTETRICS & GYNECOLOGY

Specialist consultation

Multiple gestation/High risk pregnancies

Caesarian sections

All emergency gynecological procedures

All Primigravidae and Grand multipara shall be managed at the secondary levels of care

OPHTHALMOLOGY

Refraction, including provision of low priced spectacles and excluding contact lenses.

All ophthalmological cases that cannot be handled at the primary level except those requiring tertiary care or on the exclusion list.

EAR NOSE & THROAT

All E.N.T cases that cannot be handled at the primary except those requiring tertiary care or on the exclusion list.

DENTAL HEALTH

Dental check

Scaling and polishing

Minor oral surgeries

Maximum of two root canal treatment

Replacement of maximum of four dentures

All dental cases that cannot be handled at the primary level except those requiring tertiary care or on the exclusion list

PHYSIOTHERAPY

All procedures except those on the exclusion list. Hospital stay in CVA cases is allowed for 12 cumulative weeks and does not foreclose post hospitalization therapy.

Note: the primary healthcare facility of the enrollee shall pay for bed stay for the first 15 cumulative days of hospitalization while the HMO shall pay for the remaining 69 cumulative days per year

RADIOLOGY/ULTRA-SONOGRAPHY

All investigations except those on the exclusion list.

Note: All radiological imaging must be accompanied with its detailed report

ANTENATAL POLICY

Investigations:
-PCV/Hemoglobin estimation(Hb)
-Urinalysis
-Blood grouping
-HIV Screening
-Blood genotype
-Hepatitis B surface Antigen
-USS (at least twice)
-Fasting blood sugar/Random blood sugar

Routine ANC Drugs

Immunization

Maternity (ante-natal, delivery and post- natal) care for every insured enrollee eligible to cover.

The above services do not in any way relieve the healthcare facility of other obligations to the gravid enrollee in providing necessary health care services.

All live births eligible to cover will be covered during the post-natal period of twelve (12) weeks from the date of delivery.

All preterm/premature babies eligible to to cover shall be covered for twelve (12) weeks from the date of delivery

Tertiary Healthcare Level

SURGICAL PROCEDURES

All procedures that cannot be handled at the primary and secondary levels of except those conditions on the exclusion list.

Note: Hospital stay in orthopedic cases is allowed for 6 cumulative weeks and does not in any way foreclose post hospitalization management. The primary healthcare facility of enrollee shall pay per diem for the first 15 cumulative days of hospitalization while the HMO shall pay for the remaining 27 cumulative days per year.

Internal Medicine

All other cases that cannot be treated at the Primary and secondary levels of care except those conditions on the exclusion list.

HIV/AIDS

Management of complications of HIV/AIDS

PAEDIATRICS

All medical and surgical paediatric cases that cannot be handled at the Primary level and secondary levels of care except those conditions on the exclusion list

OBSTETRICS & GYNECOLOGY

All Obstetric and Gynaecological cases that cannot be handled at the primary and secondary levels of care except those conditions on the exclusion list

OPHTHALMOLOGY

All ophthalmological cases that cannot be handled at the primary and secondary levels of care except those on the exclusion list.

EXCLUSION LIST

EXCLUSIONS

Occupational/industrial injuries to the extent covered under the Workmen Compensation Act.

Epidemics

Injuries arising from extreme sports, e.g. car racing, horse racing, polo, mountaineering, boxing, wrestling, etc

Surgery
•Mammoplasty

Paediatrics
•Treatment of congenital abnormalities requiring advanced surgical procedures e.g. TOF, ASD, VSD.

EXCLUSIONS

Obstetrics & Gynaecology
•Artificial insemination, including IVF and ICSI

Injuries resulting from:
•Natural disasters, e.g. earthquakes, landslides.
•Conflicts, social unrest, riots, wars.

Family planning commodities, including condoms

Domiciliary visit

Ophthalmology
•Provision of contact lens

EXCLUSIONS

Medicine
•Anti-tuberculosis drugs

Dental Care
•Crowns and bridges
•Bleaching
•Implants

High technology investigations e.g. CT scan,
MRI: the HMO would pay 50% of cost.

Dialysis for acute renal failure (max. 6 sessions)

WELLNESS CHECKS

Weight

Height

Urinalysis

Pulse Rate

Blood Pressure

Body Mass Index

Oxygen Saturation

Physical Examination

Eye Screening

Obesity Rate

Hydration level

WELLNESS BENEFITS TO SUBSCRIBERS

Access to the Buy Now, Pay Later plan via our partner carbon

Access to our Foodbank services

Access to our bill pay and flex account services

Access to the patient portal via our Electronic health record for good record-keeping

Access online consultation with qualified medical doctors

Access Virtual Gymnasium

Access to the ability to track your medicine

Access to basic annual wellness for members

Access to a bank account that could help defray the cost of your health premium.

Note:

No co – payment on prescribed drugs. However, there is 30 days waiting period before

commencement of cover. All surgeries have a 60 days waiting period after commencement of

plan.

₦

Life - 500,000
Permanent Disability - 500,000
Critical illness - 500,000
Hospital Cash - 100,000

$ 44 Per Person Annually

WAITING PERIOD APPLICABLE
ANNUAL LIMIT - NGN500,000

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