Where health insurance gets its backbone.
SaKi connects patients, providers, insurers and TPAs on one real-time platform — instant pre-auth, automated claims, live actuarial intelligence.
Platform performance metrics
One platform. Everyone served.
SaKi is real-time health insurance infrastructure for East Africa. Every decision — pre-auth, claim, consent, payment — happens on one shared platform, visible to the right people at the right moment.
Patients
Cover verified before you reach the ward. Consent signed at the bedside. Claim settled automatically.
- doneReal-time benefit visibility at point of care
- doneDigital consent in English or Swahili
- doneClaim status pushed to you instantly — no forms
Insurers & TPAs
94% of pre-auths decided automatically. Fraud flagged before payment. Loss ratios live.
- doneAI pre-auth in under 4 minutes
- doneFraud, waste & abuse detection pre-payment
- doneLive actuarial intelligence and MLR dashboards
Providers
Pre-auth before the patient arrives. Digital admission in minutes. Payment tracked in real time.
- donePaperless admission & instant eligibility check
- doneAuto-generated claims from clinical data
- doneFaster, predictable payment with live status
Three portals. One shared truth.
Live claims visibility — AI assesses, routes, and auto-approves on your configured risk thresholds. 94% without human intervention.
Pre-auth at the point of care — decisions in under 4 minutes, COB and benefit exhaustion checks run automatically.
Fraud, waste and abuse caught before payment — overtreatment risk scoring, variance flags, pattern anomaly detection.
Actuarial intelligence — live loss ratios, utilisation trends, combined ratio projections.
Underwriting Intelligence
Actuarial intelligence — live loss ratios, utilisation trends, combined ratio projections.
From arrival to provider paid.
Patient arrives
Digital admission captures details, verifies cover instantly, and fires pre-auth — all before reception is finished.
AI decides
Pre-auth agent checks benefit limits, COB rules, overtreatment risk. Decision in under 4 minutes.
Encounter documented
Doctor portal captures procedures and diagnoses. Claims auto-generated from clinical data.
Provider paid
Claims assessed, approved and settled faster — waste controls running before any payment.
Eight agents. One connected system.
Each agent owns a specific workflow. They share one real-time data layer — a decision in one instantly updates all others.
Claims Agent
AI triage, automated assessment, variance detection.
Pre-Auth Agent
Real-time PA decisions with COB and benefit checks.
FWA Alerts
Overtreatment risk and billing anomalies before payment.
Actuarial Intel
Live MLR, utilisation trends, combined ratio forecasting.
Every AI decision — goal, inputs, outcome, and any policy flags — is logged to an immutable record. Any stakeholder can query exactly why a claim was approved or declined.
Pay only for decisions actually made.
No flat fees. No member caps. Billed per pre-authorisation decision processed — your cost scales directly with activity.
Outpatient
OPD · Specialist · Dental · Pharmacy
Diagnostics
Lab · Allied health · Physio · OT
Inpatient
Inpatient · Surgical · Maternity
Example Invoice — May 2026, Insurer A
INV-2026-0512
Built in Nairobi, for Africa.
SaKi is built by PharmaFinder Investments Ltd — a Nairobi-based health technology company connecting every party in the East African health insurance system on one real-time platform.
Every AI decision is logged to an immutable record, so any stakeholder can see exactly why a claim was approved or declined.
Ready to run health insurance the right way?
Talk to our team. We'll walk you through a live demo tailored to your organisation — whether you're an insurer, a TPA, or a provider ready to get paid faster.
Deployed in East Africa · Patient data stays in-country · hello@saki.co.ke
A proprietary platform by PharmaFinder Investments Ltd, Nairobi, Kenya