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Case study · Healthcare

How Wellahealth collects micro-premiums at scale with Subby

Wellahealth offers affordable recurring healthcare plans. Subby absorbs the operational pain of high-volume, low-ticket collections.

20k+

Active plan subscribers

15%

Lower churn via retries

99%

Collection success rate

Location

Lagos, Nigeria

Industry

Health subscriptions

Scale

20k+ micro-plan subscribers

Problem

Micro-premiums drowned the finance team

Thousands of small recurring premiums meant constant failed charges and manual follow-ups.

Cash flow was unpredictable. The team spent more time chasing payments than expanding coverage.

Traditional billing tools were built for large invoices — not micro-subscription volume.

Solution

A collections engine built for volume

Wellahealth runs plans on Subby with automated schedules, retries, and WhatsApp/SMS recovery.

Every subscriber status — active, pending, failed, cancelled — is visible without exporting CSVs.

Finance watches collection success in near real time instead of discovering holes at month-end.

Subby features used

  • High-volume recurring billing
  • Smart retries
  • Multi-channel reminders
  • Collections dashboard
  • Customer lifecycle

How it works

From signup to settlement on Subby

  1. 1

    Subscriber joins a micro-plan

    Small premiums renew on a fixed Subby cadence.

  2. 2

    Retries absorb payment noise

    Temporary failures no longer equal immediate churn.

  3. 3

    Reminders close the loop

    Multi-channel nudges recover at-risk premiums at scale.

  4. 4

    Ops trusts the dashboard

    Coverage decisions and reporting use live collection data.

Results

Coverage that can scale with collections

Collection success stays near 99%. Retries alone cut churn driven by failed payments by about 15%.

Wellahealth expands plans across markets without growing a payments ops army.

Micro-healthcare finally has billing infrastructure that matches the product design.

20k+

Active plan subscribers

15%

Lower churn via retries

99%

Collection success rate

“Subby let us run healthcare subscriptions at scale without building a payments ops team. Retries paid for themselves in a quarter.”

Operations Lead

Operations Lead

Wellahealth