Reliance Health

What Reliance Health does

Reliance Health is a digital health insurance and care-delivery platform operating across emerging markets, with primary presence in Nigeria and Egypt and a 2026 entry into Senegal. Founded in 2015 in Lagos as Kangpe by Dr. Femi Kuti, Opeyemi Olumekun, and Matthew Mayaki, the company rebranded to Reliance Health in 2018 and pivoted from a telemedicine-only offering to an integrated model that combines mobile-first health insurance administration, virtual care, and a curated provider network of 3,800+ hospitals, clinics, pharmacies, and diagnostic centers across Nigeria, Egypt, and Senegal. As of recent reporting, Reliance Health covers 251,000+ plan members across 4,000+ corporate customers, with named enterprise clients spanning fintech (Paystack, Cowrywise, Renmoney), e-commerce (Jumia), consumer goods (Nivea), banking (GTCO), logistics (Bolt, Transmed), media (CBC Egypt), and energy (Liftup, EGEC).

The core technology stack is the Reliance Care mobile application (iOS and Android), a provider web portal, electronic claims processing with 5-day reimbursement turnaround, and an instant pre-authorization system that delivers authorization codes via the smartphone app, replacing paper-based workflows common to legacy HMOs. The platform also incorporates 24/7 telemedicine, digital ID cards, and an in-network provider directory. Operationally, Reliance Health runs direct enterprise sales for mid-market and large employers, inside sales associates for SMBs, and self-serve mobile/web channels for individual and family plan members.

Reliance Health generates revenue through recurring subscription premiums from employer-sponsored health plans, offered in tiered structures (Smart, Premium, Advanced, Elite) that vary by coverage limits, provider network access, and ancillary benefits such as gym and physical therapy. Pricing is quote-based and customized per employer, with annual billing cadence. The company is privately held, has raised approximately $48M in total funding (including a $40M Series B led by General Atlantic in February 2022 — the largest Series B in African healthtech at the time), and is backed by Partech, Y Combinator, Tencent, Picus Capital, Ventures Platform, and the Laerdal Million Lives Fund.

Name

Reliance Health

Legal name

Reliance HMO Limited

Website

https://getreliancehealth.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

251–500 employees

Short description

Reliance Health is a digital health insurance and care-delivery platform serving 4,000+ employers and 251,000+ members across Nigeria, Egypt, and Senegal, combining tiered mobile-first health plans, 24/7 telemedicine, and a 3,800+ provider network backed by proprietary claims and pre-authorization technology.

Ownership category

akta.pro rank

Product category

Health Insurance Services

NAICS

Health and Welfare Funds (525120)

SIC

Services-Health Services (8000), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Employer Wellness & Population Health Programs (HLAEAAAH)

akta.pro secondary industry

Family/Caregiver Engagement & Proxy Access Management (HLACAEAL)

Keywords

• Health insurance plans
• Telemedicine services
• Corporate health benefits
• Digital health platform
• Provider network management

Headquarters

HQ city

Lagos

HQ country

Nigeria

HQ region

Africa

Offices6 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Employer-Sponsored Health Insurance Plans: Reliance Health provides comprehensive health insurance plans to employers for their employees and families. Employers pay recurring premiums (typically monthly or annual) to cover their workforce. Plans include various tiers (Smart, Premium, Advanced, Elite) with different coverage levels and price points. The company generates recurring subscription revenue from corporate accounts while employees can add family members to their coverage.
2. Individual and Family Plans: Individual and family health plans available for purchase, extending coverage beyond employer-sponsored arrangements. These are sold directly to consumers and represent an additional subscription revenue stream.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Reliance Health is a digital health insurance and clinical services provider that sells tiered health benefit plans (Smart, Premium, Advanced, Elite) to employers and individuals in emerging markets. Its offering combines recurring health insurance premiums, unlimited telemedicine via the Reliance Care mobile app, paperless claims and instant pre-authorization, and access to a network of 3,800+ healthcare and wellness partners across Nigeria, Egypt, and Senegal. Plans cover consultations, hospitalizations, emergencies, maternity, chronic conditions, dental, optical, mental health, and prescriptions, with whole-person care including gym and spa access.

Product overview

Reliance Health is a digital health platform offering a unified ecosystem of health insurance plans and healthcare services. The core product portfolio consists of the Reliance Care mobile application, which serves as the member-facing interface, combined with multiple health plan tiers (Smart, Premium, Advanced, Elite) that provide coverage for telemedicine consultations, doctor visits, prescriptions, and hospital care. The platform also includes a provider portal for healthcare network management. The company serves both enterprise clients (4,000+ businesses) and individual members (251,000+ covered lives) across Nigeria, Egypt, Senegal, and the USA.

Differentiator

Problem solved

Functional benefit

Brands

• Reliance Care: Mobile application for plan members to access healthcare services, view benefits, and manage their health plans
• Kangpe

Products and services

• Reliance Health Plans Employer-sponsored and individual tiered health insurance plans (Smart, Premium, Advanced, Elite) sold to businesses of all sizes and individual consumers, covering telemedicine, doctor consultations, hospitalizations, emergencies, maternity, dental, optical, mental health, chronic conditions, prescriptions, and gym/spa access with no co-pay in network.
• Reliance Care Mobile Application Self-serve mobile application for Reliance Health plan members to access telemedicine consultations, view digital health ID cards, find in-network providers, check benefits, submit claims, receive instant pre-authorization codes, and chat with customer service, available on iOS and Android.
• Clinical Services Curated clinical and wellness services delivered through Reliance Health's 3,800+ health and wellness partner network across Nigeria, Egypt, and Senegal, including consultative care, diagnostic services, specialist care, telemedicine, prescription delivery, and wellness programs such as gym and spa access.

Quantifiable outcome

• 4,000+ businesses and 251,000+ people covered globally
• +2 more outcomes

Named customers21 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators10 records

Recent moves10 records

Expansion highlights6 records

Direct peers

• Hygeia HMO: Nigerian Health Maintenance Organization offering employer-sponsored health plans, hospital networks, and telemedicine. Direct competitor in the Nigerian HMO market that Reliance Health is disrupting with its digital-first approach.
• mPharma: Ghana-headquartered healthtech operating across Africa with employer-sponsored health programs, pharmacy benefit management, and provider networks. Closely comparable as another African healthtech using tech-enabled models to make healthcare more accessible in emerging markets.
• BIMA: Sweden-headquartered insurtech offering mobile-delivered micro-health and life insurance across emerging markets in Africa and Asia. Comparable business model combining mobile-first distribution with emerging-market health insurance.
• Avon HMO: Leading Nigerian HMO providing employer health plans, provider networks, and managed care services. Direct competitor targeting the same corporate employer customer base as Reliance Health in Nigeria.

Others

• Zipline: Drone-based medical delivery company operating across Africa and other emerging markets. Tangentially related ecosystem participant as another high-profile African healthtech improving healthcare infrastructure.

Emerging players

• Helium Health: Nigerian healthtech providing electronic medical records, hospital management, and telehealth for providers across West Africa. Comparable as an African digital-health peer targeting the same providers and enterprise customers, though with a different product focus.
• CarePay (now M-TIBA): Kenya-based mobile health insurance platform connecting insurers, employers, and providers through a mobile wallet. Comparable as an emerging-market digital health insurance platform with a similar B2B2C employer-driven model.

Broad incumbents

• AXA Mansard Health: Major Nigerian insurance and HMO provider backed by global AXA Group, offering employer-sponsored health plans at scale. Comparable as an incumbent that Reliance Health must displace or partner with in the enterprise segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/reliance-health
• Xx.com/Reliancehmo
• Facebookfacebook.com/reliancehmo

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 records

Subsidiaries2 records

Funding overview

Funding rounds3 records

Investors16 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Reliance Health