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 Sustainability 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.

Elucid sets itself apart by targeting the root causes of social issues in supply chains, focusing especially on poor health. We use advanced technology and build close community connections for precise risk assessments and targeted mitigation strategies.

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. To bridge these gaps, we establish additional emergency and essential care funds or organize targeted health campaigns. 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.

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 farmers, we provide better health through health insurance, reducing poverty by enhancing productivity and shielding against impoverishing health expenditures. Additionally, we offer a feedback channel for grievances.

For companies, our solution delivers a better return on sustainability investment by boosting productivity and sales. By enhancing the health and productivity of farmers, 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 farmers’ 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 USSD codes, 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. For instance, saving 50 Ghanaian Cedi earns an additional matching contribution of 50 Ghanaian Cedi, doubling the amount saved for health or educational purposes.

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 farmers, community health workers, and healthcare providers, allowing uninterrupted access to all necessary services.

The health and socioeconomic data collected through our platform offer significant value to public health services. In collaboration with national health stakeholders, such as Ghana Health Services, 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 farmers 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 farmers 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 farmers, 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.

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

Yes, but it’s made affordable. Typically, we ask farmers to contribute 20% of the total healthcare costs in the first year. This model enables the farmers to take an active part in their healthcare journey while our client covers the remaining 80% of the costs. In subsequent project years, the farmer’s co-payment can be increased up to the point that all health premium costs are covered by the farmer. The handover takes around 3-4 years.

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:full payment by government- or donor-funded healthcare access programs,
cost-sharing between the farmer and our client orthe supplier, and 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.