✦Now with AI claims vetting and forecasting

Health insurance, run on one clear platform.

Claimify connects state agencies, hospitals, HMOs and enrollees. Enrolment, referrals, claims, payments and telemedicine run in one place, with AI checking every claim and live figures for every decision.

Live in 7 statesWorks online, offline and by USSDEach agency's data stays its own

Trusted by state health insurance agencies across Nigeria

Live figures from the platform

Real people, real claims, real naira.

Enrollees covered
—
Principals—
Dependants—
Verified value of claims
—
— approved for payment
Claims processed
—
— approved
Referrals and authorization codes
—
— approved
Healthcare providers
—
Hospitals, clinics and telemedicine doctors
Patient encounters recorded
—
Across — agencies in — states
Agencies live
—
State schemes and federal programmes

Paper forms, lost claims, late payments and guesswork. Claimify replaces them with one connected system, from the day someone enrols to the day their hospital is paid, so every naira is accounted for and every decision rests on evidence.

→The platform

Enrolment to payment, in one flow.

⊕ 01

Enrol

Register principals and dependants online, offline in the field or by USSD. Photos, fingerprints and ID cards are issued on the spot, and likely duplicates are caught before they are saved.

  • Biometrics
  • ID cards
  • Bulk upload
  • Duplicate check
  • Formal and informal sectors
♥ 02

Visit

Facilities verify the enrollee, record the encounter and diagnosis, and keep a health record that follows the patient, in person or by video.

  • Eligibility check
  • Encounters
  • Health records
  • Telemedicine
⇄ 03

Authorize and refer

Authorization codes are requested and decided against a turnaround target, with escalation when they wait too long. Corridor referrals let patients get care in another state.

  • Authorization codes
  • Cross-state corridor
  • Referral chain
  • Escalation
✦ 04

Claim and vet with AI

Claims go from submission to vetting, verification and approval. AI checks each one against tariffs, dosage and eligibility, and flags possible fraud.

  • AI vetting
  • Fraud signals
  • Vet → verify → approve
  • Comments
₦ 05

Pay

Payment orders and monthly capitation are prepared by finance, approved by a second person and sent straight to facilities' bank accounts.

  • Capitation
  • Payment orders
  • Two-person approval
  • Bank transfers
◔ 06

Measure and decide

Every step feeds live dashboards, forecasts and reports, so leaders see coverage, spend, quality and turnaround while there is still time to act.

  • Dashboards
  • Forecasts
  • Targets
  • Narrative reports
✦Claimify AI

An expert reviewer on every claim.

AI clinical review checks each claim line against your tariff, the dosage and the patient's cover, then returns PASS, QUERY or REJECT with its reasons. Your vetters spend their time on the claims that need a human, and none slip through unread.

Claim CLM-20933
Primary Health Centre · Malaria with anaemia
AI review
ConsultationTariff ₦3,000
₦3,000PASS
Artemether-lumefantrine 80/4801 tab bd × 3 days
₦2,400PASS
Full blood countIndicated for anaemia
₦4,500PASS
Ceftriaxone 1g injectionNo diagnosis supports it
₦18,000QUERY
Admission, 3 daysBilled above tariff
₦45,000REJECT
✦
₦63,000 held for review
₦9,900 can be paid now. Two lines are sent to the vetter with reasons.
✦

AI clinical claim review

Price against tariff, dosage, eligibility and drug safety on every line, with a verdict and the reason for it.

⚑

Fraud signals and facility risk

Duplicate claims, unusual visit patterns and amounts far above the norm are flagged, and every facility gets a risk score each night.

∿

Forecasts

Enrolment, encounters, claims and spend projected 12 months ahead with seasonal models, so budgets and targets are set on evidence.

◎

Disease surveillance

Track malaria, hypertension or any condition. Spikes above the seasonal norm trigger alerts to the people watching it.

⧉

Duplicate detection

Enrollees are matched by NIN, name, date of birth, phone and how names sound; facilities by name, code and location. Duplicates are stopped before they cost money.

✎

Ask your data Coming

Ask a question in plain English and get the answer from your own data, with smart support for approving authorization codes.

◔Analytics for decision makers

See the whole scheme. Act on it today.

From the state down to a single ward and facility, Claimify turns daily activity into the figures leaders need: who is covered, where money goes, what care is given and where things are slowing down.

State dashboard with drill-down

Enrolment, claims, referrals and change of facility by programme, gender and LGA, down to wards and communities. Batched loading keeps it fast.

Targets and forecasts

Set enrolment or coverage targets and see whether you are on track, at risk or behind.

Turnaround

Authorization codes against a 30-minute target and claims against 30 days per stage, with each staff member's decisions.

Facility performance

Rank facilities by encounters per 1,000 enrollees, referrals, uptake, claim amounts and patient ratings. Spot the best and the outliers.

UtilisationReferral uptakeRatingsRisk score

Renewals and the call centre

Monthly renewal and attrition rates. Expiring enrollees go to the call centre as tasks, voluntary contributors first.

Renewal rateLapsedSMS reminders

Weekly executive summary

Every Monday, the Executive Secretary and Directors get last week in one email: enrolment, claims, codes, tickets and staff activity.

Narrative reports

A written Word or PDF report with charts, comparisons and points to note. It's ready for the board in one click.

Daily health check

Each morning, 12 data-quality checks find duplicate IDs, missing details, over-aged dependants and claims waiting too long.

◉Who it's for

One platform, every role.

Each person signs in to a workspace built for their job. Agency leaders, vetters, hospitals, HMOs, doctors and enrollees all work from the same records.

◆ State agencies and leadership

Run the scheme with the full picture in view.

Executive Secretaries, Directors and agency admins set the rules, approve payments and steer the scheme with live evidence.

  • State dashboard, maps, forecasts and enrolment targets
  • Approve payments for claims and capitation, with a second approver
  • Weekly executive summary and one-click narrative reports
  • Audit of sensitive changes and a full activity log
  • Your own branded portal for the agency
◆ Agency staff

Clear queues for every desk.

Claims vetters and verifiers, finance, M&E, enrolment officers and the call centre each get their own work queue and the tools for it.

  • Vet → verify → forward to the Executive Secretary, with AI review on each claim
  • Decide authorization codes within the 30-minute target
  • Quality assurance visits and facility assessments
  • Enrol in the field, offline, and print ID cards
  • Tickets, complaints and renewal calls
◆ Hospitals and clinics

Less paperwork, faster payment.

Primary and secondary facilities verify patients, record care, request codes and submit claims, then follow each one through to payment.

  • Check eligibility and see the enrollee's photo
  • Record encounters and refer with an authorization code
  • Submit claims, answer queries and track their status
  • Get capitation and claims paid to your bank account
  • Order drugs and supplies from vetted vendors
◆ HMOs and TPAs

Manage your enrollees and providers in one place.

HMOs and third-party administrators see their own enrollees, providers and claims in their own dashboard, alongside the agency's.

  • Enrollee lists, plans and subscriptions
  • Provider networks by LGA and ward
  • Claims and referral status for your enrollees
  • Dashboards just for HMOs and TPAs
◆ Telemedicine doctors

Join the virtual practice network.

Doctors join through an agency's invite link, set their consultation hours and see patients by video.

  • Sign up with your qualifications and specialisations
  • Weekly hours and days off; patients are only booked into free slots
  • Video consultations with calendar invites
  • Record the encounter, refer the patient and claim for it
◆ Enrollees and families

Your cover, in your pocket.

Principals and their dependants can check their cover, renew, change facility and see a doctor online, even without a smartphone.

  • Self-service sign-in with a one-time code
  • Renew online and download your ID card
  • Request a change of facility
  • Check your cover by USSD on *347*455#
  • Reminders before your cover expires
◆ NHIA, partners and vendors

The national view and the supply chain.

NHIA and development partners see the national picture. Vendors supply facilities through the marketplace.

  • National dashboard across states and programmes, BHCPF included
  • Cross-state corridor referrals
  • Drug and supply marketplace with vendor approval
  • Facility assessment gaps turned into supply offers
▦Everything included

Every part of the scheme, built in.

⊕

Enrolment and ID cards

Principals and dependants, formal and informal sectors, establishments, biometrics, bulk upload and printable ID cards.

♥

Encounters and health records

Visits, diagnoses, services and drugs, with a health record that follows the patient between facilities.

⇄

Referrals and portability

Authorization codes with turnaround targets, the full referral chain, and cross-state corridor care.

✦

Claims with AI vetting

Vet, verify and approve, with AI review, auto-vetting rules, fraud signals and comments on every claim.

₦

Online payments and capitation New

Capitation per facility and programme, payment orders and bank transfers with two-person approval.

▶

Telemedicine New

Video consultations, doctors' hours and booking slots, calendar invites and a virtual practice network.

☑

Quality assurance and M&E

Assessment forms, facility visits, aggregate reports and accreditation, with the gaps turned into action.

⬡

Procurement and marketplace

Agency drug procurement, vendor stock, and a marketplace where facilities order from approved vendors.

✉

Chat and notifications New

Real-time chat that links to records, plus email, SMS and WhatsApp alerts for every status change.

☎

Tickets and call centre

Complaints assigned to staff, renewal call lists and follow-up with enrollees.

⧗

Activity log and audit

Who changed what and when, on every enrollee, claim and code, with a timeline on each record.

⤓

Exports and saved reports

Large Excel and CSV exports, saved filters and scheduled exports delivered by email.

Reaches everyone, everywhere.

Built for Nigeria's realities: rural wards, patchy networks and basic phones.

*347*455#

USSD for enrollees and offline encounter reporting from any phone.

Offline

Enrol and record encounters without a network, then sync when you're back online.

Web

A branded portal for every agency, on any device.

Video

Telemedicine consultations by secure video link, no app needed.

Trusted by the people who run it.

Claimify has transformed our claims processing workflow. The automated features have significantly reduced our processing time.
SI
Dr. Shina IgbalayeCEO, Trumax Clinic
Their team is always available to assist with any questions. They genuinely care about helping us get the most from the software.
AA
Dr. Aledare AdekunleCEO, OSHIA
I've used Claimify for over five years. The automation has significantly reduced our administrative workload and streamlined our operations.
DA
Danjuma AbdullahiHead of ICT, KGSHIA
The dashboard gives real-time updates and analytics, so we manage claims effectively. It has reduced errors in claim submissions.
AA
Mr. Akinolu AkinHead of ICT, OSHIA
Real-time updates and robust reporting help us stay organised and informed. Claimify has improved our workflow and our team's productivity.
FR
Felix RisingICT Support, RIVCHPP
Want results like these for your agency or facility?

Built to be trusted.

🔒

Your data stays yours

Every agency's records are kept separate, and every request is checked against the signed-in user.

👥

Role-based access

Admins, vetters, finance, M&E and facilities each see only what their role needs.

🧾

Full audit trail

Changes to enrollees, claims, codes and payments are logged with who made them and when.

🏦

Safe payments

Account names are checked before every transfer, two people approve each run, and nothing is ever paid twice.

✉Talk to sales

Let's bring Claimify to your state.

Tell us about your agency, HMO or facility. We'll show you Claimify on your own workflows and plan a rollout that fits.

☎+234 803 813 4679 ✉claimify@hayokmedicare.ng
⌖CS58 Harmonic Plaza, Mike Akhigbe Way, Jabi, Abuja
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Every claim. Every naira. One platform.