Cura is a payroll-backed health wallet that gives every employee exact, trackable health spending power — with credit access, interest on savings, and verified providers.
Cura replaces complicated HMO structures with a straightforward digital health wallet your whole team will actually use.
Your company deposits funds into a Cura wallet and sets individual health caps per employee — full control, complete visibility.
Each employee sees their exact health balance in real time. No guessing what's covered — total transparency on both sides.
Employees browse and pay verified hospitals, pharmacies, gyms and specialists directly. Better care, private payment, instantly.
Need care beyond the cap? Request health credit instantly. Employer approves and repayment is handled via salary — fair and clean.
Every naira you spend on employee health goes directly to your team — not into an HMO's profit margin.
See exactly how much is spent per employee per month. No opaque invoices, no year-end surprise bills.
Add your team in minutes. Set health caps, fund the wallet and employees are ready — no paperwork, no waiting.
Approve employee health credit with zero default risk. Repayment is automatically deducted from salary.
Unspent balances earn interest at competitive Nigerian money market rates. Your health budget works harder.
Real visibility and real spending power — not a vague promise of coverage that may or may not work when you need it.
Know exactly what health budget you have, what's spent and what remains. No more calling HR to ask what's covered.
Unused health wallet funds earn interest instead of expiring. Your benefit grows, not shrinks.
Pay providers directly and get the superior service private patients receive — not the HMO deprioritisation queue.
When care costs more than your cap, request credit in seconds. Repayment comes from salary — no stress, no debt collectors.
Browse hospitals, pharmacies, gyms and specialists near you. Every provider is verified by the Cura team.
Your employer sees total spend amounts — not what you bought. Your medical choices are completely private.
Get access to employer-funded patients who are ready and able to pay. No HMO capitation. No delayed reimbursements. Direct payments, every time.
Get verified and start receiving direct payments from Cura-enabled employees. No setup fee. No HMO middleman.
"We were spending ₦2.4M a year on HMO premiums and barely 30% of our team used it. Cura means every naira goes to actual healthcare."
"I can finally see my exact health balance. I paid for my son's specialist visit last week — seamless. This is what benefits should feel like."
"As a clinic we get paid instantly when patients use Cura. No HMO chasing, no delayed reimbursements. Our cash flow has significantly improved."
Be among the first companies, employees and providers on the platform. Early members get priority onboarding and 3 months completely free.