The 90/10 model, explained — how $3 covers a family for a month

Why 90% of every premium goes straight to clinics and pharmacies, and how the remaining 10% funds the rails, escrow and USD settlement.

Most African micro-insurance schemes collapse for the same reason: too much premium is captured by intermediaries, and too little reaches the actual care provider. Africnam inverts that ratio by design.

The split

90% of every premium is routed directly to the treating clinic or pharmacy, in USD, within seconds of an OTP-verified act of care.
10% funds the sovereign rails: Mobile Money in, USD escrow, fraud engine, telemedicine triage, national monitoring dashboards and 24/7 support.

Why it holds at $3 per month

Three levers make the unit economics work at a $3 micro-premium:

Telemedicine triage filters ~40% of would-be consultations before they escalate to a physical visit.
OTP-verified dispensation collapses pharmacy fraud, which typically consumes 15–25% of premium in comparable schemes.
USD escrow shields the pool from local FX volatility, so a $3 premium keeps buying $3 of care next year.

What providers see

A clinic in Kampala or a pharmacy in Kinshasa receives its 90% share in local Mobile Money the same day, with a full USD-denominated ledger accessible from any smartphone. No paperwork, no month-end reconciliation, no waiting.