Case study · Healthcare
Wellahealth offers affordable recurring healthcare plans. Subby absorbs the operational pain of high-volume, low-ticket collections.
Active plan subscribers
Lower churn via retries
Collection success rate
Location
Lagos, Nigeria
Industry
Health insurance subscriptions
Scale
20k+ micro-plan subscribers
The recurring payment problem
Before Subby, Wellahealth ran into the same problems as every business that collects payments on a schedule:
Their workflow
Premiums, policy renewals, and coverage status
The infrastructure is shared. The workflow is not.
Problem
Thousands of small recurring premiums meant constant failed charges, forgotten renewals, and manual follow-ups.
Cash flow was unpredictable. Finance could not see what had been collected and what had settled until month end.
Traditional billing tools were built for large invoices, not micro-subscription volume.
Solution
Insurance needs premiums, renewals, and coverage status kept in sync. Wellahealth runs plans on Subby with automated schedules, retries, and multi-channel reminders.
Every subscriber status (active, pending, failed, cancelled) is visible without exporting CSVs, and Wellahealth’s own app connects to Subby through the API.
Finance watches collections and settlements in near real time instead of discovering holes at month end.
Subby features used
How it works
Small premiums renew on a fixed Subby cadence.
Temporary failures no longer equal immediate churn.
SMS, email, in-app, and WhatsApp nudges recover at-risk premiums at scale.
Coverage decisions and reporting use live collection and settlement data.
Results
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 team.
Less time chasing premiums means more time delivering the care subscribers are paying for.
Active plan subscribers
Lower churn via retries
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
Wellahealth
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