Writing on the business of running a Nigerian health insurer.
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.
Principles of risk management and insurance in health
A first-principles paper on how risk pooling, adverse selection, moral hazard and the medical loss ratio actually behave in African health insurance, and what disciplined operations do about them. By Moyo Awoyokun, MB ChB, MBA.
Read the white paper →How Nigerian health insurers 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 → Pre-authorisationWhat is pre-authorisation in health insurance?
What it is, why real-time beats retrospective review, and how it protects the loss ratio.
Read the piece →See it against your own book.
Reading is one thing. We run a working session on the workflows your team handles every day.