We are registered as a Non-Governmental, not for profit organization with the purpose of providing health insurance, community by community, until universal health coverage is achieved in Ekiti State, Nigeria.

THE PRINCIPAL OBJECTIVE IS TO IMPROVE ACCESS TO HEALTHCARE:

INCREASE ACCESS TO EVIDENCE BASED HEALTHCARE SERVICES FOR VULNERABLE POPULATIONS SUCH AS POOR PEOPLE, CHILDREN, AND MARGINALIZED MEMBERS OF THE COMMUNITY

TO REDUCE HEALTH INEQUALITIES: BY ADDRESSING DISPARITIES IN HEALTHCARE ACCESS, ENSURING THAT EVERYONE HAS EQUITABLE OPPORTUNITY TO ATTAIN GOOD HEALTH.

TO OFFER PSYCHOLOGICAL AND SOCIAL SUPPORT: FOR PEOPLE WHO MAY BE SUFFERING FROM EMOTIONAL DISORDERS.

Healthcare Access Covenant Foundation

Is built on decades of national advocacy and published work on health financing reform, self-sustaining, cooperative-based primary healthcare model in Ekiti State.

We advance Universal Health Coverage by integrating:

a) AI based Walk-In Clinics in people's neighbourhoods

b) Structured Mutual financial protection mechanisms using community based health insurance 

c) Modular Health Personnel responsible for a specified number of people

d) People involvement in governance

Our Core Philosophy

Sustainable Universal Health Coverage can only be achieved when communities are structurally integrated into health financing, service delivery, and accountability systems and not treated as passive beneficiaries. People involvement is primary to a sustainable health system.

Health of the people. By the people. For the people.

Our Vision

To develop an accessible, affordable, evidence-based, culturally appropriate, self-sustaining, and AI technology-enabled primary healthcare model that contributes measurably to the attainment of Universal Health Coverage in Nigeria.

Our Mission

To establish a Mutual Health Association-based primary healthcare network of spoke Walk-In Clinics, neighbourhood by neighbourhood, with integrated contributory health insurance, linked to the hub Mutual Medical Centre.  This provides AI enabled open access community medical services, including telemedicine with referral pathways that achieves universal health coverage.

🤝 We believe in mutual efforts for mutual benefits. Commmmunity AI Enabled RuralMind Clinics is run by Mutual Health Associations.

HAC designs RuralMind AI Clinics run by Community Mutual Health Associations (MHAs), as neighbourhood-based primary healthcare AI clinics owned and governed cooperatively by their members.

Benefits of Membership of Mutual Health Association:

    Free Walk-In service

    Annual preventive health checks, screening for prevalent conditions

    Preventive care and health promotion services 

    Primary care consultations (diabetes, hypertension, malaria etc)

    Essential medicines within approved treatment protocols

    Counselling and psychosocial support 

    Coordinated referral to specialist care

    Community-based follow-up after hospital discharge

Services are delivered by trained Community Key Workers enrolling residents neighbourhood by neighbourhood, supervised by registered nurses who are Task Sharing  and Task Shifting with qualified medical doctors.

💳 Membership Structure

HAC operates two membership pathways:

1. Open Membership

Entry-level community registration available to all residents in participating neighbourhoods.  Residents are encouraged to walk in and be engaged.

All the benefits of MHA are available for Open Members but for one month

This Open Membership enables structured onboarding into the cooperative system that ultimately lead into insured membership.

2. Insured Membership

Prepaid annual contribution transforms Open Membership into Insured     Membership in which the member enjoys all benefits for one year after paying MHA Membership fees. 

Subscription fees

In 2026 the National Health Insurance Authority premium is #38,500 per capital. But come in and find out what subsidy you can receive.

🛡 Subsidy Framework

HAC is committed to ensuring that inability to pay membership fees does not exclude vulnerable individuals from healthcare access and care.

Our enrollment drive is to recruit a critical mass of members into mutual health association, MHA, for a module of health personnel, so that resources and risks can be pooled for members of the MHA.  Our assumption is that 60% membership subscription paid by all residents will form a critical mass that will sustain each MHA.

There is a community-validated, means-tested vulnerability assessment tool to identify individuals eligible for membership fee subsidy and contribution support.

This assessment protocol will ensure:

    Accurate identification of vulnerability

     Objective Inter-rater reliability of the tool

    Transparency and community oversight

💼 Sustainability Model

In order to sustain universal health coverage, HAC operates a blended financing structure combining:

*Membership contributions from members of the association.

*Capitation payments through NHIA-aligned insurance mechanisms

*Institutional grants

*Support from philanthropists

*Diasporan sponsorship of family members.

The Investment Opportunity

HAC seeks institutional partnerships to:

Support initial establishment of RuralMind Mutual Walk-in AI clinics 

Subsidise membership fees for vulnerable individuals for the initial period

Strengthen monitoring and evaluation systems

Scale the model across Ekiti State.

Install necessary technology like AI and Telemedicine in clinics

Partnerships

We seek partnership with government, philanthropists, and institutional donors to support vulnerable households with contribution sponsorship. 

Modes of Partnership 

 An individual can be targeted for support

 Diaspora relatives can pay for health and well-being of their kith and kin

Subsidies can be offered to vulnerable households by philanthropists

Support can be given to people with mental illness

Grants can be offered to support enrollment of a the critical mass

Grants can be offered to children, women and other vulnerable individuals

Research grants for epidemiological studies

Grants to deliver primary healthcare services 

This model promotes long-term stability, reduces dependence on episodic outreach funding, and reduces the risk of catastrophic out-of-pocket health expenditures.

HAC is committed to measurable, transparent performance reporting.

We will track:

    Enrollment and retention growth

    Primary care service utilisation rates

    Financial protection outcomes

    Key health indicators

    Participation and involvement of people from rural areas

    Comparative trends with similar non-participating communities where     feasible.

Financial Transparency

To allay the fears of members, Mutual Health Associations will elect a local management committee responsible for monitoring revenues and expenditures.

Financial statements will be independently reviewed and made publicly accessible at the association office.

Monitoring & Evaluation

Community Mutual Health Committees will publish periodic performance reports covering:

    Enrollment and retention

    Service access indicators

    Financial performance

    Member satisfaction

Reports will be available to members and institutional partners.

Impact Objectives (First 3 Years)

HAC aims to achieve:

Significant enrollment growth in participating Ekiti communities

Measurable improvement in primary care utilisation

Measurable improvement in population health indices in participating communities.

Increased financial protection among members with measurable reduction in out-of-pocket health expenditures

Importantly, a demonstrable progress toward Sustainable Development Goal 3 of the United Nations.

Where feasible, outcomes will be compared with similar non-participating communities to assess measurable impact.

Conflict-of-Interest Policy

Conflict-of-interest and financial disclosure policies are in place for all governance bodies.

We are committed to professionalism, transparency, and constructive engagement with public institutions while advocating for expanded, inclusive health coverage.