WHO says over 1 billion people worldwide are at risk of falling into poverty due to out-of-pocket health spending of 10% or more of their household budget. According to the Nigerian Demographic Health Survey 2018, less than 5% of the Nigerian population have health insurance impeding the access of over 200 million Nigerians to needed healthcare services. This means the average low-income Nigerian has 2 options when they are sick; either borrow further pushing them into poverty or self-medicate increasing the risk of morbidity and mortality.

In 2021, we started the HealthRelief Project, a community project where we provided financial and psychological support to 100+ chronically sick Nigerians who couldn't afford medical bills. We also created Art & Music Festival in 2022 to lighten up hospital wards with art therapy and music as well as fun activities to improve the psychological health of patients with chronic illnesses and their family members/caregivers. Despite these interventions the problem still exists; many Nigerians were still rejected care because they couldn't afford medical payment and this adds to an increasing morbidity and mortality rate that are preventable. We went back to the drawing board and conducted more public health and market research.  Our research birth Health4Moni, an affordable health insurance plan for average Nigerians (informal sector, artisans, low-income) using the daily contributions model (ajo/esusu) which gives them access to quality healthcare a savings net, financial literacy, investment opportunities and sometimes loans to enable them live rich, healthy lives.