Clafiya

Clafiya is a digital primary healthcare and wellness platform in Nigeria for individuals, families, and organisations that want easier access to care, savings, and partner health services.

Key capabilities include:

• Health Savings Account (HSA) to save for healthcare and wellness, earn 10% interest per year, and pay for partner services, with up to 30% discounts on eligible products and services.
• Care Clinic for online consultations and home visits, plus 24/7 doctor calls for urgent needs.
• Diagnostics and medication fulfilment, including access to diagnostic tests and prescribed or over-the-counter medication ordering with delivery to a user’s door or pickup at a nearby pharmacy.
• Wellness Hub marketplace to find and pay for health and wellness providers, including hospitals, pharmacies, gyms, spas, skincare, and mental health services.

Available on Web (with access also offered via USSD at 34758#).

Built for patients and families and for businesses (such as SMEs and schools) providing healthcare access to employees and students.

Notable in the Nigerian market for combining a healthcare access layer (consultations, home visits, diagnostics, medication delivery) with an HSA model designed to reduce out-of-pocket strain through savings, interest, and partner discounts.