From Contribution to Hospital Payment
See exactly how Emergency Carebridge turns your small daily contributions into life-saving emergency coverage, step by step.
STEP 01 / 06
You Contribute
Start with as little as ₦200/day. Choose daily, weekly, or monthly deductions that fit your income cycle. Contributions are pooled into a transparent, audited emergency fund.
Automatic deductions via card, bank transfer, or mobile money. Every contribution is logged in a tamper-proof ledger.
STEP 02 / 06
The Pool Grows
Your contributions join thousands of others. The fund grows daily, building collective coverage that protects everyone in the community.
Fund health is monitored in real-time. Reserve levels, claims ratios, and runway are publicly visible on our Transparency Dashboard.
STEP 03 / 06
Emergency Strikes
When you or a beneficiary face a medical emergency, activate Emergency Carebridge instantly via the app, USSD (*384#), WhatsApp, or phone call.
Our AI triage engine classifies the urgency (P1/P2/P3) and matches you with the nearest accredited hospital based on specialty, proximity, and availability.
STEP 04 / 06
Rapid Verification
The system runs automated eligibility checks in under 5 minutes: active status, contribution history, coverage scope, and hospital accreditation.
Clear-cut P1 emergencies can be auto-approved. Complex cases go to our medical review panel for human assessment.
STEP 05 / 06
Claim Approved
Once approved, you and the hospital are notified immediately. No paperwork for you — the system handles everything.
Average approval time: under 6 hours. For auto-approved P1 cases, under 3 hours.
STEP 06 / 06
Hospital Gets Paid
Emergency Carebridge pays the accredited hospital directly via bank transfer. No cash changes hands with you. No bills to settle later.
Payment is made from the pooled fund to the hospital's verified bank account via NIBSS NIP. Both you and the hospital receive confirmation.
Compare Your Options
See how community-powered emergency coverage stacks up against traditional options.
| Feature | Emergency Carebridge | Insurance | Personal Savings | Crowdfunding |
|---|---|---|---|---|
| Monthly cost | From ₦500 | ₦5,000 - ₦50,000+ | Variable | ₦0 (but uncertain) |
| Coverage certainty | Guaranteed (if eligible) | Contractual | Depends on balance | No guarantee |
| Time to payout | < 6 hours | 7-30 days | Instant (if available) | Days to weeks |
| Covers emergencies | Yes (6 categories) | Yes (varies by plan) | If you have enough | If donors contribute |
| User effort during crisis | 2-tap SOS | Paperwork + calls | Self-manage | Campaign + share + wait |
| Transparency | Public dashboard | Opaque | Personal | Platform-dependent |