🛡️ HMOs & Insurers
← All Segments

Acquire faster.
Retain longer.

CareThanks enables HMOs and health insurers to run structured reward programs that accelerate member acquisition, drive in-network utilisation, and significantly reduce plan churn — with full measurement of every campaign.

Book a DemoSee the Platform →

The Challenge

African HMOs compete on price. The ones that win compete on perceived value — and rewards are the most effective tool available.

Member acquisition costs are rising across African health insurance markets. Retention is even harder. Structured loyalty programs tied to plan behaviour have proven to shift both metrics — but no infrastructure existed to deliver them at scale until now.

1
High member acquisition costs
CAC continues to rise as digital ad costs increase and member expectations grow. Reward-based acquisition offers measurable ROI versus media spend.
2
Churn driven by perceived low value
Members who never engage with their plan benefits are the most likely to churn at renewal. Rewards drive early activation and habitual engagement.
3
Low in-network utilisation
HMOs lose money on out-of-network claims. Reward programs that incentivise in-network provider visits directly improve the loss ratio.
4
Renewal friction
Plan renewal is a critical churn moment. Without a structured reward or loyalty event at renewal, members evaluate purely on price.

Use Cases

What organisations
actually deploy us for.

Practical campaigns designed for real healthcare workflows — not generic reward templates.

01
3.2×

Member Sign-Up Incentive Campaigns

Reward conversion uplift when acquisition campaigns include a tangible reward at sign-up. Turn digital ads and agent-led sales into measurable, reward-anchored conversion events.

Campaign flow
→Prospect sees campaign ad or speaks with agent
→Signs up for plan — triggers welcome reward automatically
→Reward delivered via SMS or mobile wallet within minutes
→Onboarding sequence begins — next reward tied to first in-network visit
Channels
SMSMobile WalletWhatsAppAgent Portal
For
New plan membersAgent-converted leadsEmployer group enrollees
Expected outcome
3.2× uplift in conversion rate when welcome reward is included versus standard sign-up flow. Measurable per channel and agent cohort.
02

Renewal Retention Programs

Trigger reward campaigns 30–60 days before renewal with tiered incentives based on plan tier and tenure. The members least likely to renew are targeted first with the highest-value reward.

Campaign flow
→At-risk cohort identified 60 days before renewal date
→Personalised retention campaign launched via SMS/WhatsApp
→Member receives reward on early renewal confirmation
→Tenure bonus unlocked — higher value for 2+ year members
Channels
SMSWhatsAppEmailAgent Outreach
For
Renewing membersAt-risk low-engagement cohortsLong-tenure members
Expected outcome
Average 24% reduction in churn rate among campaign cohorts versus non-rewarded renewal cohorts.
03

In-Network Utilisation Incentives

Issue Reward Units when members visit in-network providers, complete annual check-ups, or use preferred pharmacy partners — directly improving your loss ratio by steering claims away from out-of-network facilities.

Campaign flow
→Member visits in-network provider
→Visit logged via claims data feed or provider confirmation
→Reward Units issued to member wallet automatically
→Analytics track in-network vs out-of-network visit ratio over time
Channels
Claims IntegrationProvider PortalSMS Notification
For
All active membersChronic disease membersHigh-utilisation cohorts
Expected outcome
Average 31% increase in in-network provider visits within 6 months. Measurable improvement in loss ratio per rewarded cohort.
04

Tiered Loyalty Structures

Build Bronze, Silver, Gold loyalty tiers based on plan behaviour. Members accrue Reward Units and unlock higher-value catalogue options — creating a persistent reason to stay enrolled and stay engaged.

Campaign flow
→Member enrolls automatically in Bronze tier on sign-up
→In-network visits, check-ups, and plan renewals earn tier points
→Member advances to Silver or Gold on milestone thresholds
→Higher tier = higher reward values and exclusive catalogue access
Channels
Member PortalSMSWhatsAppMobile App
For
All plan membersLong-tenure membersHigh-engagement cohorts
Expected outcome
Gold tier members show 68% lower churn rate than non-tiered equivalents. Tiered programs generate 2.8× ROI on reward investment.
05

Preventive Care Activation

Incentivise annual screenings, chronic disease management check-ins, and wellness program enrolment — reducing downstream claims through proactive, measurable engagement.

Campaign flow
→Members due for annual check-up identified from plan records
→Targeted campaign sent with reward offer for completing screening
→Member books and attends at in-network facility
→Reward issued on confirmed attendance; screening data logged
Channels
SMSWhatsAppMember Portal
For
Members due for annual check-upDiabetes/hypertension cohortsMaternity members
Expected outcome
Preventive care participants generate 22% fewer high-cost claims in the 12 months following campaign participation.
06

Member Referral Acquisition

Members who refer new enrollees earn rewards. Fully tracked, attributed, and cost-efficient compared to traditional acquisition channels — turning satisfied members into your most trusted sales force.

Campaign flow
→Member receives unique referral link via SMS or member portal
→Shares with employer colleagues or family members
→Referred individual signs up using the code
→Referrer receives reward on new member's first premium payment
Channels
SMSWhatsAppMember PortalAgent Network
For
Active plan membersEmployer group membersHigh-NPS members
Expected outcome
Referral-acquired members show 40% higher 12-month retention than media-acquired equivalents. CAC reduced by up to 55%.

Platform Impact

Numbers that
move the needle.

🔄
-24%
Churn reduction
Average drop in member churn rate among reward program participants
🏥
+31%
In-network visits
Increase in in-network provider utilisation within 6 months
📈
3.2×
Sign-up conversion
Uplift in acquisition conversion when welcome reward is included
💰
-55%
Referral CAC
Reduction in cost-per-acquisition for referral channel versus paid media

Common Questions

What teams
ask us first.

QCan reward triggers connect to our policy management system?
Yes. CareThanks offers a REST API that connects to most policy management systems. For organisations without system access, trigger events can be managed via dashboard or CSV upload.
QHow do we prevent members gaming the reward system?
All reward triggers are configured with validation rules — visit verification, claim matching, or code-based confirmation. Duplicate or fraudulent trigger events are automatically flagged.
QCan we set different reward values for different plan tiers?
Absolutely. Campaign rules support member segmentation by plan type, tenure, geography, and engagement history — enabling differentiated reward values per cohort.
QHow are reward budgets controlled?
Campaign budgets are capped at configuration. Rewards stop issuing automatically when the cap is reached. Real-time spend tracking is visible in the analytics dashboard.
QCan this work for microinsurance products with very small premium values?
Yes. Reward Units are stackable over time, making them suitable for low-premium products where a single large reward would be disproportionate to the plan value.
QWhat markets does CareThanks currently operate in?
Nigeria, Kenya, Ghana, and Morocco are live markets. Additional West and East African markets are in onboarding. Contact us for specific market availability.

Ready to reduce churn and
reward your members?

Book a demo and receive a program design built around your member lifecycle, plan tiers, and retention targets.

Book a DemoSee How It Works →
Other Segments
💊 Pharma🏥 Hospitals🛡️ HMOs & Insurers🏢 Corporate Health📱 Digital Health🩺 Medical Devices🔬 Lab & Diagnostics🩻 Imaging & Radiology🦴 Ortho & Physio🧤 Disposables