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CareThanks in Southern Africa
Zambia

Measurable health rewards
across Zambia.

Zambia's growing copper belt economy and expanding urban population are driving new demand for private healthcare. CareThanks gives pharma, insurers, and hospitals the reward infrastructure to capitalise on this growth.

Market Context

The healthcare
landscape in Zambia.

Zambia's healthcare market is defined by Lusaka's growing private sector and the Copperbelt region's large formally-employed mining population — historically well-insured and receptive to structured benefits programs. Airtel Money is the dominant mobile money platform; MTN Money is growing. The mining sector creates strong corporate wellness program demand with clearly defined employee populations. Rural Zambia requires SMS and scratch card delivery modes.

Supported delivery modes
Airtel MoneyMTN Mobile MoneySMSWhatsAppScratch CardUSSDAirtime

Key challenges

1
Mining sector wellness program demand
Large mining companies with thousands of employees are looking for structured wellness ROI programs but lack the digital infrastructure to run them.
2
HIV adherence in high-burden provinces
Lusaka and Southern Province have high HIV burdens — ARV adherence infrastructure remains ad hoc.
3
Private insurer retention in a growing market
As the private insurance market grows, differentiation via reward programs is becoming a competitive necessity.
4
Rural reach in provinces beyond Lusaka
Eastern and Northern provinces require SMS and scratch card delivery — smartphone reach drops significantly outside main towns.

Use Cases for Zambia

How pharma companies, hospitals
and insurers use CareThanks here.

Practical campaigns built for the Zambia healthcare market — the infrastructure, delivery modes, and local context already handled.

💊 Pharma
01

Medication Adherence Campaign

Pharma companies running chronic disease and acute treatment programs in Zambia use CareThanks to reward medication completion — driving measurable refill continuity at scale.

How it works
→Patient enrolled at pharmacy or clinic — consent via SMS
→Monthly refill due: reminder sent via WhatsApp or SMS
→Patient collects medication; pharmacist confirms
→Mobile money or airtime reward issued instantly
SMSWhatsAppMobile MoneyScratch Card
Expected outcome
Average 35% improvement in 90-day refill continuity. Full campaign analytics exportable for medical affairs reporting.
🛡️ HMOs & Insurers
02

Member Renewal & Retention Program

Health insurers in Zambia use CareThanks to run pre-renewal loyalty campaigns — shifting member decisions from price comparison to reward-anchored loyalty.

How it works
→At-risk members identified 60 days before renewal
→Personalised reward offer sent via WhatsApp
→Member renews early — reward dispatched to mobile wallet
→Tenure loyalty bonus applied for multi-year members
WhatsAppMobile MoneySMS
Expected outcome
Average 20% churn reduction in rewarded renewal cohorts versus non-rewarded equivalents.
🏥 Hospitals
03

Appointment Attendance & Patient Loyalty

Hospitals and clinic groups in Zambia use CareThanks to reward appointment attendance, post-discharge check-ins, and patient referrals — reducing no-shows and building sustainable patient loyalty.

How it works
→Appointment reminder sent with reward preview
→Patient attends; QR or SMS confirms attendance
→Reward issued via mobile money within minutes
→Post-discharge check-in milestone earns additional reward
SMSWhatsAppQR Check-inMobile Money
Expected outcome
Average 26% reduction in no-show rates within 90 days. Post-discharge follow-through rate doubles.
🏢 Corporate Health
04

Employee Wellness & Screening Drives

Large employers in Zambia use CareThanks to run measurable employee wellness programs — rewarding health screening completion and wellness participation with mobile money rewards.

How it works
→HR activates employee wallet accounts via CSV upload
→Campaign sent: "Complete your screening, earn a reward"
→Employee attends screening — confirmed by nurse or QR
→Mobile money reward issued; HR dashboard updated
SMSMobile MoneyHR PortalWhatsApp
Expected outcome
Average 78% screening completion rate versus sub-30% unrewarded baseline. Board-ready ROI reports generated automatically.
💊 Pharma
05

Pharmacist Prescription Lift

Pharmaceutical distributors in Zambia use CareThanks to run pharmacist incentive programs — tracking dispensing performance and rewarding target achievement via mobile money.

How it works
→Pharmacist registers via WhatsApp with outlet code
→Weekly dispensing targets configured per SKU
→Pharmacist confirms dispense via WhatsApp or SMS
→Mobile money reward issued on weekly milestone achievement
WhatsAppSMSMobile MoneyDashboard
Expected outcome
Average 2.2× prescription lift on target SKUs within 60 days. Full dispensing audit trail for compliance reporting.
📱 Digital Health
06

Digital Health Platform Retention

Digital health startups and telemedicine platforms in Zambia use CareThanks API to reward consultation completions, subscription renewals, and referrals — building retention before paid acquisition scales.

How it works
→User completes health action in app — API event fires
→Reward Units added to in-app wallet immediately
→D7 re-engagement trigger if user goes inactive
→Monthly milestone reward builds long-term loyalty
APISMSMobile MoneyIn-App Wallet
Expected outcome
D30 user retention lifts from under 15% to over 40% within 45 days of reward layer activation.

Live Campaigns

What campaigns look like
running in Zambia.

Pharma
Adherence Campaign
4,200
Patients
+35%
Refill rate
94%
Redemption
HMOs & Insurers
Insurer Renewal Program
-20%
Churn
56%
Early renewal
2.8x
ROI
Corporate Health
Corporate Screening Drive
1,800
Employees
78%
Completion
4.1x
ROI

Questions About Zambia

What organisations
ask about this market.

QWhat digital payment rails does CareThanks support in Zambia?
CareThanks supports the primary mobile money platforms operating in Zambia — including Airtel Money, MTN Mobile Money. Airtime and scratch card rewards are also available for broader reach.
QCan campaigns be delivered in local languages?
Yes. Patient-facing campaign content — SMS, WhatsApp messages, and USSD flows — can be fully localised in the appropriate language for the Zambia market.
QHow quickly can a first campaign launch in Zambia?
Digital campaigns using SMS and WhatsApp can go live within 3–5 days of onboarding. Physical campaigns using scratch cards typically require 7–10 days for production and logistics.
QDoes CareThanks comply with Zambia's data protection requirements?
CareThanks configures data processing in accordance with applicable local data protection legislation. Data residency and processing terms are available for healthcare clients in this market.
🌍

Ready to launch in
Zambia?

Talk to our team about your organisation type, target audience, and campaign goals. We'll configure a first campaign for the Zambia market.

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