Insights
Writing on the business of running a Nigerian HMO.
Practical pieces on the one number that matters — the loss ratio — and the operational decisions that move it: adjudication, fraud, waste and abuse, and pre-authorisation.
Loss ratio
How Nigerian HMOs can protect their loss ratio
The loss ratio is decided one claim at a time. A practical look at where margin leaks and how to hold it at the point of decision.
Read the piece → Fraud, waste & abuseFraud, waste and abuse in Nigerian health insurance
What FWA actually looks like on a Nigerian book, why it hides from individual review, and how to surface it before the money leaves.
Read the piece → SolutionClaims adjudication, explained
How rules-first adjudication clears clean claims straight through and routes only the exceptions to people.
Explore the module →See it against your own book.
Reading is one thing. We run a working session on the workflows your team handles every day.