FAQ

  1. Why should I purchase Diaspora Health Insurance?
  2. How does the process work?
  3. What are the costs?
  4. Who are the providers in the network and how do I know they are certified?
  5. Who are the founders of DHI health services?
  6. Are all physicians strictly from the Lagos metro area?
  7. Do the covered beneficiaries have to pay anything out of pocket?
  8. What happens if a physician/clinic/hospital bills for an amount not covered as over the reasonable or customary amount?
  9. Will health insurance cards be issued?
  10. How long does it take after the patient encounter for the claims to be settled?
  11. Will individuals recieve a directory or a list of health providers in the DHI network?
  12. Does DHI-Services provide other services not listed?
  13. Are individuals covered outside of Nigeria?

 

WHY SHOULD I PURCHASE DIASPORA HEALTH INSURANCE?

Diaspora Health Insurance (DHI) was established to enable individuals who live outside the African continent to provide healthcare coverage for family members and friends. DHI also enables people who live in Nigeria to purchase coverage for themselves, family members or employees. Our insurance plans provide varying level of services from basic routine care to specialty services.

Several benefits to choosing DHI which include;

* DHI provides a platform for individuals in the diaspora or who reside locally to provide their relatives or employees in Nigeria comprehensive health insurance coverage. It alleviates the pressure on these individuals to ensure their relatives (including siblings and parents) or employees have access to and receive quality healthcare services.

* There is enhanced accountability provided, as both the purchaser  and the insured  understand their coverage and are able to follow up on services provided through the insured’s continuum of care.

* DHI provides access to standard of care, where high quality patient care is provided by licensed healthcare professionals in their field of expertise. Services provided by these healthcare professionals are monitored by the health insurance companies and can be audited when improprieties occur.

* Select insurance plans provide International Health Insurance coverage outside Nigeria. The Health Management Organizations (HMOs) provide a wide range of plans for different age brackets ensuring focussed healthcare for clients.

 

HOW DOES THE TYPICALLY PROCESS WORK?

* Individuals contact DHI Health services to obtain information and register potential beneficiaries.

* Individuals purchase DHI insurance plans for their loved ones or employees in Nigeria.

* Payments for the insurance plans are made into the DHI Health Services accounts in the US or Nigeria.

* Information on the beneficiaries is sent to the health insurance company in Nigeria.

* Beneficiaries in Nigeria go to the insurance company to receive their enrollment packages (or they can have them emailed, or they can be delivered at an additional cost). Insurance cards can also be delivered by courier to beneficiaries’ homes.

* Enrollment packages contain detailed health insurance information including provider information and location.

* Depending on the insurance plans, beneficiaries receive healthcare services from assigned providers within the insurance agreement. 

 

WHAT ARE THE COSTS FOR DHI INSURANCE?

DHI provides coverage as low as N15, 000 annually depending on the plan.

Unless specifically excluded by the individual’s health history, coverage is provided for the benefits listed in each selected level of the health insurance plan.

 

WHO ARE THE PROVIDERS IN THE NETWORK AND HOW DO I KNOW THEY ARE CERTIFIED?

Total Health Trust and Avon HMO manage a network of qualified healthcare providers nationwide who have been licensed by the Nigerian Medical and Dental Council. The healthcare facilities have been accredited by the National Health Insurance scheme and states’ health accreditation boards. DHI offers patients and customers access to primary care physicians and specialists with expert training and experience.

 

WHO ARE THE FOUNDERS OF DHI HEALTH SERVICES?

DHI Health Services was founded and is managed by a team of healthcare executives with over 90 years of combined experience in healthcare management and insurance. This team of individuals understands healthcare service provision and delivery in Nigeria and the need to respond effectively to the changing healthcare landscape.

 

ARE ALL PHYSICIANS STRICTLY FROM THE LAGOS METRO AREA?

No. Physicians and other affiliate providers are based in Lagos and other cities including Port Harcourt, Abuja, Enugu, Aba, Kano, Ibadan etc.

 

DO THE COVERED BENEFICIARIES HAVE TO PAY ANYTHING OUT OF POCKET?
(I.e. is there co-insurance/out of pocket expense?)

It depends on the coverage. Some plans do not have a co-pay, but if there is co-pay, purchasers will be made aware before payment is made for the plan. These co-payments are usually a percentage of the negotiated fee.

 

WHAT HAPPENS IF A PHYSICIAN/CLINIC/HOSPITAL BILLS FOR AN AMOUNT NOT COVERED IS OVER THE REASONABLE OR CUSTOMARY AMOUNT?

Usual payment of bills -particularly non covered benefits are required upfront. The beneficiaries may have to negotiate payment terms with relatives and/or the providers.

 

WILL HEALTH INSURANCE CARDS BE ISSUED?

Yes, beneficiaries will receive insurance cards from the HMO office in their regions upon receipt of payment and completion of beneficiaries’ enrollment. Insurance cards may be delivered by courier to beneficiaries’ homes at an additional cost.

 

HOW LONG DOES IT TAKE AFTER THE PATIENT ENCOUNTER FOR THE CLAIMS TO BE SETTLED?

It may take anywhere from 1-2 months. Typically the claim is settled between the provider and the insurance so it will not necessarily involve the beneficiary.

 

WILL INDIVIDUALS RECEIVE A DIRECTORY OR A LIST OF HEALTH PROVIDERS IN THE DHI NETWORK?

Yes, they will receive a list of providers.

 

DOES DHI-SERVICES PROVIDE OTHER SERVICES NOT LISTED?

If you require additional health related services for enrollees (e.g. information on hotels close to a hospital, home healthcare), please contact us for information on possible options or referrals.

 

ARE INDIVIDUALS COVERED OUTSIDE OF NIGERIA?

Select plans provide coverage outside Nigeria, which include two THT Premium Plans (Liberty Blue) and Avon Bupa plans. Please contact us for more information.

 

 

Interested in DHI Health Services and want to find out more?