Clafiya
Organization Details
Clafiya is building the financial infrastructure for health and wellness in Emerging Markets, where health insurance penetration remains low (~5% in Nigeria). Through our platform, individuals and businesses can save, earn interest, and pay for healthcare via Health Savings Accounts (HSAs)—a sustainable alternative to traditional insurance.
Our ecosystem integrates:
- HSA & Payments – Users set aside funds, earn 10% interest, and pay for healthcare.
- Care Clinic – A digital concierge clinic offering on-demand primary and mental healthcare.
- Wellness Marketplace – A curated network of HSA-eligible fitness, nutrition, and therapy services.
Impact Story
In Emerging Markets like Nigeria, access to quality healthcare remains a challenge due to low health insurance penetration (~5%), high out-of-pocket costs, and weak financial infrastructure. Many people struggle to afford care, delaying treatments or relying on emergency loans when health issues arise. Businesses, especially those employing gig workers, lack sustainable healthcare benefits, leaving millions vulnerable.
At Clafiya, we believe that financial stability should not be a barrier to healthcare. That’s why we are building the financial infrastructure for health and wellness, ensuring that individuals and businesses can save, pay, and access care seamlessly.
Through Health Savings Accounts (HSAs), users can set aside funds for healthcare, earn 10% interest annually, and use their savings to pay for medical treatments, mental health services, and wellness programs, including HMO plans at discounted rates.
Our impact goes beyond just savings. We empower users with access to care through:
✔ A Concierge Digital Clinic – Offering on-demand primary and mental healthcare for early intervention and continuous well-being.
✔ A Wellness Marketplace – Connecting users to HSA-eligible fitness, nutrition, and therapy services, fostering proactive healthcare habits.
✔ Strategic Financial Partnerships – We’ve secured key partners like PiggyVest, Interswitch, and Kuda Bank, expanding access to millions of users who previously had no structured way to finance their health.
In just six months, we’ve doubled our customer base and revenue, proving the demand for an alternative healthcare financing model that is more inclusive, flexible, and tailored to people’s needs.
At Clafiya, our mission is clear: We exist to give people the financial tools to take control of their health, ensuring that no one is left behind due to financial constraints. We are reimagining the future of healthcare financing—one where everyone has access to affordable, continuous care.
Diverse Social Enterprise
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