Claim Your Insurance.
Anywhere.
Anyone. Anytime.
No internet? No smartphone? No problem. Every Nigerian policyholder — from Lagos/Abuja boardrooms to Anambra/Port Harcourt drivers to Kano/Cross River farmlands — deserves fast, fraud-free insurance claims. Via web/mobile app, USSD *669#, or a ClaimAm agent near you.
No internet required
ClaimAmNigeria's insurance system is
failing everyday people
Four broken realities — all fixable. All being fixed by ClaimAm right now.
₦20 Billion Lost to Fraud Annually
Fraudulent and duplicate claims drain Nigeria's insurance industry every year — raising premiums for honest policyholders.
Hospitals Waiting Hours for Auth Codes
Every day across Nigeria, patients wait in beds while staff make endless calls chasing HMO codes that should take 5 minutes.
106 Million Rural Nigerians Left Out
Smartphone apps exclude the majority. Farmers and rural families who pay premiums can't access digital-only processes.
Claims Taking Months, Not Hours
Paper forms, manual processing, and zero transparency leave policyholders chasing money legally entitled to them.
End the Authorization
Code Crisis. Today.
Nigeria's hospitals lose hours every day waiting for HMO authorization codes. ClaimAm's dedicated portal eliminates the backlog permanently.
A patient needs a procedure. The doctor is ready. But without an HMO authorization code, nothing moves. Your staff spend hours on hold. Your hospital bears the blame for a broken system nobody fixed — until now.
Built different.
Engineered for Nigeria.
Every feature exists because a Nigerian policyholder, hospital, or insurer needed it — not because it looked good in a pitch deck.
AI Photo Forensics & OCR
Advanced OCR extraction and deepfake detection verify every claim document with 99.7% accuracy — catching fraud before it reaches an adjuster.
- ✓Document OCR extraction
- ✓Deepfake image detection
- ✓Forensic manipulation analysis
Live NIID Integration
Every motor claim is verified against Nigeria's Insurance Industry Database in real time — confirming policy validity and coverage instantly.
- ✓Real-time policy verification
- ✓Plate number cross-check
- ✓Coverage confirmation instant
Cross-Insurer Fraud Detection
Our duplicate detection engine identifies the same claim submitted across multiple insurers — a fraud typology that costs the industry billions annually.
- ✓Cross-insurer detection
- ✓Risk scoring per submission
- ✓IoT cross-verification
ClaimAm Advance Pay
Approved policyholders receive up to 50% of their claim instantly while the full payout is being processed — eliminating financial emergencies.
- ✓Up to 50% instant advance
- ✓No interest charges (T&C apply)
- ✓Premium members eligible
Echo Claims — Viral Trust
Every successful payout auto-generates a shareable success story. Nigeria's insurance trust deficit gets rebuilt one Echo at a time.
- ✓Auto-generated testimonials
- ✓Organic referral engine
- ✓Rebuilds insurer credibility
Nigeria Localization
Fully localized for how Nigerians actually communicate — multilingual support across Pidgin, Yoruba, Hausa, and Igbo.
- ✓Pidgin, Yoruba, Hausa, Igbo
- ✓Naira (₦) native payments
- ✓Local bank integration
No network? No problem.
No one left behind.
Whether you are a Lagos professional or an Enugu driver or a Zamfara farmer, ClaimAm was built specifically for you.
Mobile App
File claims, track status, and receive payouts. AI-powered and real-time.
Web App
Full claim management and portfolio history via your browser.
USSD *669#
Dial from any phone — no internet required. Built for rural users.
Agents
Nationwide network of agents for in-person document verification.
From incident to payout.
In hours, not months.
Four steps. Three channels. One platform. Whether you dial *669# from a village or tap the app in Lagos — the process is identical.
Built for the industry.
Not just the policyholder.
ClaimAm is infrastructure — for insurers, HMOs, and service providers who are ready to stop losing money to fraud and win back customer trust.
Insurance Companies
Stop paying fraudulent claims. ClaimAm's fraud pre-screening and NIID verification sit between submission and your adjusters.
- 70% fraud reduction via AI forensics
- Live NIID motor policy verification
- Cross-insurer duplicate claim detection
HMOs & Hospitals
The authorization code process is broken. Our dedicated portal delivers digital approvals in under 5 minutes.
- Under 5-minute auth delivery
- Full digital audit trail per request
- Eliminate phone and email backlogs
Service Providers
Auto garages, towing companies, and repair shops — ClaimAm connects you directly to verified claimants needing your services.
- Recommended to verified claimants
- Direct access at point of claim
- Grow your customer base organically
Nigeria's insurance gap
is worth billions.
The infrastructure to fix it didn't exist. Now it does.
Built on real frustrations.
Solving real problems.
Imagine being in my village with no network, dialing *669#, filing my crop loss claim via USSD, and getting my payout within 12 hours — all without leaving the farm.
We spend three hours a day just chasing auth codes by phone. If ClaimAm delivers this in 5 minutes through a portal, it transforms our entire operations department overnight.
If ClaimAm processes my motor claim in 15 minutes and pays same day, I'm a lifetime customer. Every Nigerian driver deserves this — not just city dwellers.
See ClaimAm
in action.
Whether you're an insurer, HMO, hospital, or investor — we'll show you exactly how ClaimAm works on your specific use case. Our team responds within 24 hours.