Financial security and good health often go hand in hand. Yet, for many Nigerians, healthcare can be one of the first expenses postponed when financial priorities compete for attention. As businesses look beyond their core offerings, integrating healthcare into digital financial experiences presents an opportunity to deliver greater value to customers.
Recognising this opportunity, Checkoff explored ways to make affordable healthcare more accessible to its customers through Zoi, Wellahealth’s embedded healthcare platform. The collaboration brings healthcare into the Bankvole app, allowing customers to access micro health plans alongside the financial services they already use.
As a CBN-licensed finance company, Checkoff provides payroll loans, personal lending and investment solutions. The decision to integrate healthcare reflects its focus on creating additional value for customers beyond its core financial services. For Wellahealth, the collaboration aligns with its broader mission to make healthcare more accessible by meeting people within the digital platforms and experiences they already use.
Through Bankvole, customers can access the Easy Digital Plan at ₦500 and the Easy Plus Plan at ₦1,000. This gives customers affordable healthcare options within an existing financial platform, reducing the need to navigate separate channels to access healthcare.
The healthcare experience is enabled by Zoi through a simple API integration between Bankvole and Wellahealth. The integration allows customers to view available plans and subscribe directly within the app, without Checkoff having to build or manage the underlying healthcare infrastructure.
Once a customer subscribes, relevant customer and subscription details are securely shared with Wellahealth. Wellahealth then manages plan activation, healthcare access, claims and customer support, while Checkoff continues to focus on its core financial services and customer experience.
For Checkoff, the integration creates an opportunity to respond to a practical customer need: making healthcare more accessible without adding complexity to the customer journey. For Wellahealth, it demonstrates how Zoi can help businesses turn their existing digital platforms into new access points for healthcare.
This is particularly relevant in a market where unexpected healthcare expenses can disrupt personal financial plans. By bringing affordable microhealth plans into a financial platform, the partnership connects two areas of everyday well-being that are often treated separately.
The model also demonstrates the potential of embedded healthcare to change how people access care. Instead of healthcare being a separate destination that customers have to seek out, it can become part of the digital experiences they already engage with.
For businesses exploring embedded healthcare, the Checkoff integration demonstrates the flexibility of Zoi. Through its API infrastructure, Zoi enables businesses to integrate healthcare offerings into their existing platforms and customer journeys while Wellahealth manages the underlying healthcare infrastructure and support.
As digital financial platforms continue to evolve, partnerships like this create room for businesses to offer more relevant services while giving customers greater choice in how they access essential services. For Checkoff customers, the integration means healthcare is now closer to the financial services they already use. For Wellahealth, it represents another step towards making healthcare access more seamless through technology.
Ultimately, the collaboration points to a broader opportunity for digital platforms: creating experiences that support customers beyond individual transactions. By bringing healthcare into Bankvole, Checkoff and Wellahealth are helping make affordable healthcare a more accessible part of everyday digital life.
Find out how Zoi can help your business embed healthcare into its platform at www.wellahealth.com/zoi.
