Introducing Hadiel
We are an insur-tech company deconstructing healthcare plans into micro/bite sized plans for the low-to-middle income populace within a shared economy
We are helping to protect the uninsured and underinsured by leveraging technology using a coop model
![](https://hadiel.com.ng/wp-content/uploads/2022/08/Drawkit-Vector-Illustration-Medical-16-1.png)
In Africa, health insurance penetration is less than 4.5%. In Nigeria, 95% of people access health care via out-of-pocket.
Traditional insurance widely available are employment based- which excludes the informal sector largely
Our Mandate
![](https://hadiel.com.ng/wp-content/uploads/2022/08/Group-178-1.png)
Reduced Risk
Reduce the risk of households’ vulnerability as a result of out-of-pocket catastrophic health expenses
![](https://hadiel.com.ng/wp-content/uploads/2022/08/Group-182-1.png)
Empowerment
Create a new economy of short-term policies and solutions empowering the gig economy, digital nomads, and bottom of pyramid markets to pool and save funds.
![](https://hadiel.com.ng/wp-content/uploads/2022/08/Group-180-1.png)
Shared Economy
Insulate the economy financially for health cover within a shared economy system.
![](https://hadiel.com.ng/wp-content/uploads/2022/08/Group-177-1.png)
Personalization
Deliver short term health insurance products for the underinsured –to- personalized products for the uninsured.