Elucid’s product offering consists of three key components: 

1. Data services that help you track your impact in real-time and validate your sustainability claims.
2. Health programs are designed to enhance the health and livelihoods of small-scale producers in your value chain.
3. Marketing services to facilitate the communication of your impact to clients and other stakeholders.

Elucid’s Marketing Services component empowers customers to communicate their impact to consumers and other stakeholders through high-quality photo & video content and storytelling – all backed by auditable data. This ensures transparency and credibility, strengthening consumer trust.

Our data portal offers a comprehensive representation of your impact, providing solid data to substantiate sustainability claims. It includes aggregated data on medical treatments, care quality, and socio-economic indicators. We conduct baseline and follow-up surveys on small-scale producer’s health-seeking behaviors, nutrition, and socio-economic status using offline-first tools. Indicators are aligned with both international and national reporting requirements. The data is analyzed to showcase the impact of your program on health, income, child labor, and illegal logging, with convenient options to upload external data or export and integrate data with other solutions. Customise reports effortlessly to align with international ESG frameworks, following EU & GRI standards.

Our Health Programs component supports national policies and adapts to local contexts to provide comprehensive healthcare access. We address the high costs and gaps in national health systems by covering WHO-accredited medications and treatments, especially for maternal and newborn care, as well as life-saving emergency care. We aim to minimize out-of-pocket costs and prevent severe consequences like permanent disability or death.

We also enroll small-scale producers in national health insurance, manage renewals, and share medical data with national health authorities. To ensure quality care, we assess partnering health facilities, implement improvement plans, and provide training and infrastructure upgrades. Additionally, we partner with local service providers to offer mobile clinics and support existing health facilities, enhancing their capacity to deliver essential and specialized services.

Elucid sets itself apart by targeting the root causes of social issues in supply chains, focusing especially on poor health. Our unique approach to addressing sustainability challenges focuses primarily on SDG 3: Good Health and Well-being, aiming to ensure healthy lives and promote well-being for all ages. By prioritizing health, our initiative also advances several other SDGs:

• SDG 1: No Poverty – We reduce health-related financial burdens, helping to lift people out of poverty.
• SDG 5: Gender Equality – We ensure equitable access to health services for all genders.
• SDG 8: Decent Work and Economic Growth – We foster healthier workforces, contributing to economic growth.
• SDG 9: Industry, Innovation, and Infrastructure – We support healthcare innovations and infrastructure improvements, enhancing the quality and accessibility of health services.

Through this integrated approach, we address multiple sustainability challenges by making healthcare more accessible and effective, ultimately improving overall well-being and socio-economic conditions.

Elucid’s Health Program excels in providing access to quality healthcare, particularly in remote areas where other insurance options may be insufficient. While we prioritize enrollment in local and national health insurance where possible, many individuals encounter gaps in service and coverage. We establish additional emergency and essential care funds or organize targeted health campaigns to bridge these gaps. Our digital solution enables healthcare facilities to efficiently file claims and receive reimbursements, ensuring timely financing for their operations while also enabling us to track service provision and monitor the quality of care provided.

Scientific evidence supporting our approach includes various studies highlighting the positive impacts of health insurance on farmer health, livelihoods, and coping mechanisms:

1. Increased Use of Agricultural Inputs and Labor: Health insurance increases the use of agricultural inputs and hired labor by 40% (Quasi-experimental cross-sectional study, n = 5,883 farming households, Ghana).
2. Reduced Out-of-Pocket Expenditures: Health insurance reduces out-of-pocket expenditures for healthcare by 86%, boosting available household income for food and non-food necessities (Longitudinal mixed-methods study, n = 3,300 households, Ghana).
3. Enhanced Productivity and Income: Health insurance reduces health shocks, which are detrimental to farm labor investments and overall productivity. This improvement prevents the loss of approximately 10 workdays for patients, thereby enhancing household income and productivity (Secondary analysis of a randomized controlled trial, n = 2,842, Ghana; Cross-sectional study, n = 200 farming households, Ghana).
4. Financial Protection: Health insurance protects against catastrophic health expenditures, which can lead to loss of income-generating resources. Around 16.5% of the population in Sub-Saharan Africa faces such expenditures annually, often forcing households to sacrifice other basic needs or sell assets (Systematic review and meta-analysis, n = 1,040,620 households, Sub-Saharan Africa; Retrospective observational study, n = 553 households, 133 countries).
5. Reduction in Negative Coping Strategies: Health insurance reduces child labor by 8% and increases school attendance by 3%, while also decreasing hazardous labor by 5% and child labor by 4% (Cross-sectional study, n = 2,228 farming households, Ghana; Randomized controlled trial, n = 12,935 individuals in 2,097 households, Pakistan).
6. Improved Nutrition and Education: Health insurance increases household non-food consumption, such as education expenses by 6%, and reduces child malnutrition by promoting maternal healthcare use and diversified diets for children (Quasi-experimental cross-sectional study, n = 37,128 individuals, Ghana; Cross-sectional study, n = 109,019 children under 5, Sub-Saharan Africa).

These studies demonstrate that health insurance not only improves health outcomes but also contributes to economic and social prosperity.

Yes, there is an external evaluation of our work. We have been reviewed by 60 Decibels, an independent, global impact measurement company. They specialize in gathering direct feedback from the people who benefit from our programs, providing valuable insights into the effectiveness and impact of our solution. You can learn more about their work and methodology on their website: 60 Decibels.

For healthcare providers, our solution offers higher income, faster and more reliable reimbursement, and the ability to deliver better treatment quality with an increased budget for staff and equipment.

For small-scale producers, we provide better health through health insurance, reducing poverty by enhancing productivity and shielding against impoverishing health expenditures. 

For companies, our solution delivers a better return on sustainability investment by boosting farmer productivity and brand value. By enhancing the health and productivity of small-scale producers, we help customers achieve sustainability goals while improving business outcomes.

Our primary focus is on SDG 3: Good Health and Well-being, aiming to ensure healthy lives and promote well-being for all at all ages. By prioritizing health, our initiative naturally contributes to the advancement of several other SDGs, including:

SDG 1: No Poverty, by reducing health-related financial burdens.

SDG 5: Gender Equality, through equitable access to health services.

SDG 8: Decent Work and Economic Growth, by fostering healthier workforces.

SDG 9: Industry, Innovation, and Infrastructure, by supporting healthcare innovations and infrastructure improvements.

Access to health insurance plays a crucial role in tackling foundational supply chain challenges, notably poverty and its cascading effects. Annually, over 100 million individuals are propelled into extreme poverty due to unaffordable health expenses. Poor health not only diminishes productivity and income but also prompts families to resort to negative coping mechanisms, such as child labor, to manage unexpected healthcare costs. By integrating health insurance into supply chains, we can safeguard small-scale producer’s health, thereby enhancing their productivity and ability to contribute positively to their communities. This holistic approach addresses the root causes of supply chain challenges, making the entire system more sustainable and equitable.

Elucid’s digital wallet offers a seamless way for farming families to engage with healthcare services and beyond, enabling transactions such as sending, saving, receiving, and making payments over existing mobile money infrastructure. Accessible via feature phones, the wallet doesn’t require a smartphone, making it ideal for rural settings.

Key features and incentives of the digital wallet include:

Incentivized Savings: To encourage proactive savings, the digital wallet rewards households with cash transfers directly into their wallets for saving towards healthcare or other significant needs like education. 

Digitized Savings Groups: The platform modernizes traditional savings groups by digitizing contributions, loans, and share-outs through mobile money. This approach enhances safety by eliminating the need for physical cash, streamlining operations, and providing a more secure and efficient way to manage group finances.Direct Premium Payments: An additional utility of the digital wallet is the facilitation of direct premium payments from our clients directly to the farmer. By integrating this payment feature, we further incentivize the use of the digital wallet, making it a central hub for financial management and more secure than carrying cash.

Elucid prioritizes data protection and privacy through clear data ownership, encryption, and two-factor authentication. Our compliance with GDPR standards ensures regulatory adherence. Additionally, we employ access logging, real-time data analysis, and automated fraud detection to safeguard user data.

Elucid gathers health outcome data by analyzing processed invoices from hospitals and doctors via our platform. For socio-economic information, we use enrollment processes, surveys, and automated voice calls. This data is then analyzed and visualized for easy interpretation and shared with our clients through an online dashboard or API for comprehensive insights.

No, all health services can be accessed through a membership card. However, if phones are available, the membership card can be digitized.

No. Our services are designed with an offline-first approach, ensuring they remain fully functional even in the absence of an internet connection. This is especially beneficial for our small-scale producers, community health workers, and healthcare providers, allowing uninterrupted access to all necessary services.

The health and socio-economic data collected through our platform offer significant value to public health services. In collaboration with national health stakeholders, we utilize this data for a variety of purposes, including analyzing health-seeking behaviors and enhancing outbreak detection capabilities. Public health authorities can leverage this anonymized data to identify health trends, recognize disease patterns, and understand the social determinants affecting health. This insight enables the design of precise interventions, efficient resource allocation, and identification of populations at higher risk, contributing to more effective public health strategies and interventions.

Yes, we collaborate with various stakeholders including government entities, insurance partners, NGOs, healthcare providers, cooperatives, and more. Our extensive network of partnerships spans the health sectors in Sub-Saharan Africa and Latin America.

Yes, we maintain a small team of experts in each of our operational regions. However, for fieldwork, we primarily collaborate with community (health) workers and local partners.

Our implementation process is meticulously designed to ensure efficiency and effectiveness, consisting of three key steps:

Identification: We begin by identifying small-scale producers within our customer’s supply chain and locating suitable healthcare providers in nearby areas.

Enrollment: Through the use of community health workers, we then enroll both small-scale producers and healthcare providers into our program. These workers are rewarded for their efforts via mobile micro-payments, encouraging their performance and involvement.

Operation and Oversight: To ensure the program operates smoothly, we focus on verifying the eligibility of participating small-scale producers, carefully reviewing reimbursement claims to prevent fraud, and ensuring healthcare providers receive their payments for services rendered within a 72-hour window.

Elucid adopts a partner-agnostic approach, collaborating with a diverse range of health facilities that span both public and private sectors, including faith-based organizations. Our primary criterion for partnership is the facility’s ability to offer high-quality and accessible care to the communities we serve. In rural areas, the majority of these health facilities tend to be public. Additionally, we ensure our network includes at least one referral hospital and a pharmacy for each program.

Yes, all partnering healthcare providers undergo regular rapid quality assessments to qualify for inclusion in our program. These assessments also incorporate input from the community.

Small-scale producers are identified based on information provided by our clients, their suppliers, or the cooperatives they purchase from. Clients typically provide a list of small-scale producers associated with the cooperative or supplier they purchase from.

Elucid actively collaborates with national health services and local health insurance providers to bridge the gap in healthcare accessibility and quality for small-scale producers. By complementing existing national health insurance schemes, particularly in areas like maternal health and emergency treatments like accidents, we increase coverage and support the broader goals of national programs. Our initiatives aim to increase membership for national and local insurance, thereby mutually benefiting our partners by expanding their reach and improving healthcare access for small-scale producers. 

We have three models for implementing health insurance programs in the long run: (1) full payment by the government- or donor-funded healthcare access programs, (2) cost-sharing between the farmer and our client or the supplier, and (3) full payment by the farmer.

The benefits of health insurance programs extend well beyond their initial timeline. The effect of saving even one life, on any given day, creates a ripple effect that significantly impacts the individual, their family, and the wider community. This form of sustainability is profound and enduring, underlining the lasting difference our program aims to make.

By connecting all relevant stakeholders, Elucid is creating an ecosystem that lowers costs and enables easy access to comprehensive health coverage programs that can be adopted by local cooperatives and public health authorities for dissemination. Through the digital wallet and transparent payment system, small-scale producers and/or cooperative community development funds can contribute. 

In detail, we ensure long-term sustainability through: 



1) Farmer/Cooperative Ownership: Farmer commitment to the program increases when small-scale producers contribute to their health insurance through their sustainability premium, cash or in-kind. At the end of the initial program period,  small-scale producers can cover the costs for the health premium as a result of an increase in sustainable farming practices that result in higher productivity and consequently income. As more small-scale producers are onboarded to our platform, we can reduce overhead costs and lower the cost per household per year by up to 50%.



2) Stakeholder alignment for health system strengthening: We collaborate closely with public health authorities, local healthcare providers, NGOs, and other private sector initiatives. By aligning our efforts with national health priorities, we can ensure that our project is integrated into the broader health system. By encouraging sign-ups to national or local health insurance providers, we help channel additional funds into the health system and build additional capacity to increase the quality of care and service provision.  

3) Long-term value and targeted health programs for companies.  Our platform easily integrates with and improves existing sustainability programs, such as living income accelerator initiatives by targeting the root cause of several sustainability challenges and providing a digital infrastructure for impact measurement. The program creates momentum at the sourcing origin by increasing farmer loyalty, productivity, and incomes, and at the same time provides an incentive for small-scale producers to offer long-term value to companies to engage in the program.