My name is Azuka. I handle corporate partnerships at ClearlineHMO — the HMO owned by GreenLife Pharmaceuticals, the people who make Lonart DS. I am not going to pretend I am neutral. I sell health insurance for a living.
What I will do is tell you the things my industry usually does not.
Earlier this year I spent six weeks with a consulting firm in Lagos. Good people. We went line by line through the benefit table — maternity caps, admission days, global limits, whether their preferred hospital stayed in network. I answered everything. They went with another HMO because the price was lower.
On a benefit-table comparison, every HMO is one column among four — and the cheapest column wins. That is not a sales problem. That is what happens when a buyer has no way to tell the columns apart.
The problem was never their decision. It was that nobody had ever shown them what to actually compare. So they compared the only number they understood, which was the premium — and the premium is the one number that tells you least about whether a plan will pay when someone is on a hospital bed.
Since then I stopped opening with plans. I open with a question instead: what does staff illness already cost you? Almost nobody knows. It sits off-budget as hospital bills the MD pays personally, salary advances that never come back, and days lost that nobody counts.
That is what this report is. It is not a brochure and there is no plan in it.