FamilyProtected from $3 / month
USSD activation on any phone. The whole family covered, from village to metropolis.
Africnam
Sovereign Health OS
Sovereign Pan-African Health Coverage
Universal $3–$7 micro-health, settled in USD across 26 nations.
Mobile-money in. Cashless clinics out. A 90/10 escrow-backed model insulated from local currency risk.
Sovereign Health OS
Africnam · $3 / month
*789#
B2B Corporate
Companies & Cooperatives
Clinic Portal
Cashless Checkout
Patient App
USSD / WhatsApp View
Control Tower
Africnam Central Ops
About
The health OS Africa was missing.
Africnam turns Mobile Money rails into universal cashless health coverage. Employers fund workers in seconds, clinics are paid instantly, and every transaction settles in USD across 26 African markets.
Africnam Ecosystem
One continent. One coverage. Three entry points.
From the family to the pharmacy counter through the clinic — Africnam links every actor of care on a sovereign, cashless rail activated in 30 seconds.
Family
Clinic & HospitalInstant payment
Providers are settled in Mobile Money the moment the patient walks out.
Partner pharmacyOTP dispensation
Zero fraud: pharmacist payout is released only after the patient's OTP validation.
For whom
Built for everyone the old system left behind.
Employers & Cooperatives
Cover an entire workforce for $3–$7/month per person. No paperwork, no card kits, no claims backlog.
Private clinics
Get paid instantly via Mobile Money. Verify patient tokens in one scan — no invoicing.
Workers & families
Check in with USSD or WhatsApp — no card, no cash, no app required.
Impact
Continental reach, sovereign infrastructure.
26
African countries covered
$3
Base plan / month
90 %
Escrow-backed pool
USD
Settled in USD
Insurance Coverage Ledger
Two standardized plans. Every benefit itemized.
Compare the $3 Micro-Health tier and the $7 Corporate SaaS plan — telemedicine, pharmacy, hospitalization, and annual caps in one view.
Tier · $3
Pan-African Micro-Health
$3/ user / month
Informal workers · Cooperatives · Gig-economy riders
Unlimited 24/7 telemedicine
Max 3 in-person visits / year
Endemic: Malaria RDT · Typhoid · Dengue (triage-ordered)
70% pharmacy · generics only
Hospitalization excluded — public ER only
Annual cap$50
Most complete
Tier · $7
Corporate SaaS Plan
$7/ user / month
Formal SMEs · Tech startups · Regional corporate entities
Priority Unlimited 24/7 telemedicine
Max 6 in-person visits / year
Standard blood panels · Urine · Basic X-Ray (network doctor)
80% pharmacy · generics + chronic
Emergency hospitalization: $100 / year
Annual cap$150
Full Benefit Matrix
Every covered service, side-by-side. Pastel bars visualize the coverage weight.
| Benefit | $3 Micro-Health | $7 Corporate |
|---|---|---|
| Telemedicine (AI + live doctors) | 100% · 24/7 unlimited | 100% · 24/7 priority unlimited |
| In-person clinic visits | Max 3 / year | Max 6 / year (Gen. Med. + Pediatrics) |
| Laboratory & radiology | Endemic diseases only (Malaria, Typhoid, Dengue) | Standard blood, urine, basic X-Ray |
| Pharmacy & medications | 70% · Generics only · Brand excluded | 80% · Generics + chronic disease treatment |
| Hospitalization | Excluded — routed to public ER | Emergency: up to $100 / year cash payout |
| Annual financial cap | $50 / user rigid ceiling | $150 / user floating ceiling |
Financial Engineering Simulator
Simulate any rollout across 26 African markets — in USD.
Move the sliders to see the 90/10 split, telemedicine loss-ratio protection, and pool safety in real time.
Universal Pricing & Cross-Border Configurator
Simulate a rollout across any of the 26 target African markets in USD.
Members covered
2,500
10025k50k75k100,000
Monthly Encased Volume (GMV)
$7,500
$90,000 / yr
Africnam 10% SaaS Fee
$750
Instant platform revenue
Protected Health Escrow (90%)
$6,750
Locked for medical payouts
Every value denominated in USD — insulated from local currency devaluation across NGN, XOF, KES, CDF, ETB, GHS, TZS, RWF and 18 more.
Continental Risk Protection Analytics
Africnam Digital Filter vs Traditional Insurance loss ratios.
Telemedicine Filter
ON — 70% digitally resolved
Members
5,000
Avg. consult requests / member / month
2.0
Scenario A · Traditional Insurance
300% loss ratio
100% of claims hit physical clinics at $4.50 avg.
Claims cost$45,000
Pool balance-$31,500
Digital (AI)
0
Physical clinic
10,000
Scenario B · Africnam Managed Care
95% loss ratio
70% resolved by AI triage @ $0.10.
Blended cost$14,200
Pool balance-$700
Digital (AI)
7,000
Physical clinic
3,000
Escrow Pool · Deficit — filter disabled will bleed the pool
After payouts: -$700 from $13,500 · Loss ratio 94.7% vs traditional 300.0%.
Contact
Talk to us.
Book a demo, join the clinic network, or partner on a national rollout.