Project background
According to the World Health Organization, strong primary health care systems can address up to 90% of health needs in low- and middle-income countries, making them the most effective pathway to improved health outcomes. Brick-and-click models represent an innovative and helpful approach in addressing the access and quality challenges of primary healthcare.
The ‘brick’ portion of the solution refers to a to a physical point of care that can either be fixed or mobile and that is staffed with a health worker (such as a nurse, paramedic, or community health worker) who performs primary care consultations and runs awareness campaigns. The brick is supported by the ‘click’ which enables a host of digital health tools such as telehealth support from doctors and specialists, e-pharmacy services, AI-supported diagnostics and electronic medical records.
Inclusive health insurance is embedded within the model to reduce out-of-pocket costs. Kampé Care is an innovative pharmacy-led brick-and-click model, which seeks to deliver quality primary care at local community pharmacies as part of a low-ticket health insurance bundle.
Project outline and goal
Kampé Care offers two levels of insurance plans – Kampé Lite and Kampé Plus – to ensure financial protection based on individual needs. The program offers 24/7 peer-to-peer (i.e., doctor to pharmacist) telemedicine, point-of-care tests, drug discounts, a wallet for specialist referrals and a hospital cash plan.
Ecosystems players involved
The Kampé Care model was initially co-developed by AXA, Orange/Enova.com, PharmAccess, Philips and Swiss Re Foundation. Following its development phase, the initiative is now run by AXA, PharmAccess and Drugstoc, in collaboration with local pharmacies in Nigeria.
AXA and Drugstoc are responsible for the core operational and technical functions of the model, including insurance administration and claim management, medical pathway management, pharmacy training, incentives, and monitoring, referral clinic management, data analytics, and back-end technology. PharmAccess focuses on pharmacy quality assessment and certification, advocacy with health authorities, and research and evaluation.
Anticipated outcomes and impact
Kampé Care aims to meaningfully contribute to addressing the access and quality challenges of primary healthcare and can add value by simultaneously focusing on quality primary care and its financing as well as business model innovation to serve low-to-middle income households in a sustainable manner.
Project progress and next steps
In September of 2025, the Kampé pilot was concluded in the Ikeja region of Lagos, Nigeria, including 22 local pharmacies. The project pilot resulted in 4279 Kampé enrolees and 2891 visitations. 53% of Kampé customers had at least one pharmacy visit, 16% benefited from prescribed discounted drugs, and 37% used point-of-care tests.
Scale-up plans are under-way with new features and a revamped tech-stack. The product is scheduled to be relaunched in January 2026 with the plan to onboard 100 pharmacies in the Lagos state by the end of Q1 2026.
Collaboration opportunities
If you would like to contribute to scaling pharmacy-led brick-and-click model Kampé, with relevant tools, devices, solutions or services ready for deployment, please email michal.matul@axa.com. Please indicate the category it belongs to and share materials with more information.
