The Platform
One platform for the whole insurance lifecycle.
From enrolment to claims to compliance — MojoHealth runs the complete private health insurance operation for Ghana, with authorization and audit built into every action.
Members & enrolment
Households, enrolled in minutes.
Capture Ghana Card identity, add dependants, choose a plan, and issue a digital membership card — verified against the National Identification Authority.
- Ghana Card (NIA) verification
- Dependants & family cover
- Digital ID card with QR
- Bulk employer census upload
Provider network
A credentialed, HeFRA-licensed network.
Onboard hospitals, clinics, pharmacies and labs with HeFRA licence verification, tiered tariffs and contracts — nationwide across all sixteen regions.
- HeFRA licence & credentialing
- Network tiers & tariff sets
- Contracts & remittance terms
- Provider self-service portal
Eligibility & pre-authorisation
Real-time checks at the point of care.
Confirm active cover, benefits, and waiting periods instantly, and route high-cost services through clinical pre-authorisation before treatment.
- Instant eligibility verification
- Benefit & waiting-period checks
- Pre-authorisation workflow
- Reference for every visit
Claims
Submitted, adjudicated, settled.
Providers submit online; claims are validated against benefits, limits and authorisations, adjudicated line-by-line, and settled — with a tamper-evident audit trail.
- Line-by-line adjudication
- Automated benefit rules
- Fraud flags & post-payment audit
- Maker-checker settlement batches
Premiums & payments
Collected the way Ghana pays.
Premiums, co-pays and provider settlements through MojoPay — mobile money, card, bank and payroll — credited only after secure verification.
- MTN MoMo · Telecel Cash · AT Money
- Card & bank transfer
- Employer payroll deduction
- Reconciliation & receipts
Compliance & audit
Built for regulators, by design.
Immutable audit logs, consent records, retention schedules and a data-breach workflow — aligned to NHIA, HeFRA and the Data Protection Act.
- Immutable audit trail
- NHIA-aligned reporting
- Consent & retention records
- Data Protection Act 843 workflow
See the whole platform in action.
Sign in to explore the operations dashboard, or get a quote to enrol.