It started with a conversation that stopped us cold.

A team member who previously worked at an East African insurer shared a story: a clinic in a remote town was submitting dozens of claims for "malaria treatments" that never happened. Patients and doctors were splitting the payouts. By the time investigators arrived—months later—the money was gone, the "patients" had disappeared, and the paper records had conveniently "been lost."

The insurer wrote it off as the cost of doing business in rural areas.

That didn't sit right with us.

We dug deeper. In Rwanda alone, 17.6 billion RWF ($12-13 million) is lost to insurance fraud every year (National Bank of Rwanda, 2025). That's enough to build 10 new health centers. Enough to vaccinate thousands of children. Enough to save lives.

The problem isn't just about money. It's about trust. It's about a mother in South Sudan wondering if the system will be there when her child gets sick. It's about insurers raising premiums for everyone because a few bad actors are gaming the system.

We realized: existing solutions detect fraud after money is paid. By then, it's too late.

So we asked ourselves: What if we could prevent fraud at the source—before the claim is even submitted?

Share this project:

Updates