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.
Auditable AI for Nigerian health insurers
A governance and adoption framework under the NHIA Act, NDPA 2023 and the National AI Strategy: what to automate, what never to automate, and how to evidence it. With a comparative note on Kenya, Ghana and South Africa. By Moyo Awoyokun, MB ChB, MBA, FIHIMCN.
Read the white paper →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 →Private provider tariffs: why price variability is the HMO's hidden loss ratio risk
No published benchmark, prices that move monthly against premiums set yearly, and spreads of three to five times for routine care. How to build a reference tariff from your own claims.
Read the piece → RegulationThe one-hour rule: how NHIA's authorisation deadline forces HMOs to automate
Sixty minutes to answer every authorisation request, on every channel, from the moment the provider sends it. What the rule says, why manual desks cannot meet it, and what to automate.
Read the piece → Market23 million insured, 200 million not: Nigeria's health insurance market after the NHIA Act
Enrolment is up a third since 2023, yet nine in ten Nigerians remain uncovered and two thirds of private HMO members are in two cities. What the numbers mean for HMOs and investors.
Read the piece → Loss ratioHow 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.
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