Transforming Healthcare Access in Kenya: How Checkups Cova Is Making Healthcare Affordable Across Kenya Through AI and Microloans
This in-depth interview with Renee Ngamau, Co-Founder and President, and Dr. Moka Lantum, Co-Founder and CEO of Checkups Cova, explores how the company is disrupting the Kenyan healthcare sector through an innovative hybrid healthcare delivery model that combines telemedicine, mobile clinics, and AI-driven healthcare financing.
Checkups Cova has successfully pivoted from a direct-to-consumer model to a strategic enterprise partnership approach, especially with banks and microfinance institutions. Their core innovation lies in providing medical credit solutions that enable patients to access healthcare without upfront payment, targeting the uninsured and underinsured populations in Kenya and across East Africa.
A major highlight of the conversation is the use of artificial intelligence in healthcare to accelerate microloan approvals, enhance operational efficiency, and reduce healthcare delivery costs. The team emphasizes their mission to improve healthcare accessibility in remote areas, such as Turkana, and cites coverage in 23 Kenyan counties, including Nairobi, Kiambu, Meru, Nyeri, and Mombasa, among others.
Renee explains how their home-based care model helps reduce outpatient waiting times, cut costs, and offer healthcare at the workplace or at the patient’s home. This model is inclusive—serving everyone from diaspora families arranging care for loved ones, to small-scale traders and farmers who can’t afford to leave work.
On the financing side, Dr. Lantum compares traditional bank models with telecom competitors like Safaricom, noting the urgency for banks to adopt more agile, digitally enabled health finance models before telecom-led microfinance systems dominate the space.
The company’s technology roadmap includes building AI-enabled backend platforms, supporting cross-border payments, and scaling operations via smart contracts and franchise-like partnerships in new markets, including South Sudan.
The interview also highlights ongoing fundraising efforts, a strategic partnership with a coastal Kenyan county for chronic disease management, and their broader push for public-private partnerships in healthcare under the Social Health Insurance Fund.