Apeiro E-Claims Proof Layer for Kenya's Social Health Authority

Kenya is transforming its public healthcare system through the Social Health Authority, which replaced the National Hospital Insurance Fund in October 2024. Since then, more than 31 million people have registered with the scheme, with approximately KES 147 billion (USD 1.1 billion) paid to healthcare providers, significantly increasing the scale of healthcare claims processing. As national healthcare programs expand, so does the need for trusted, transparent and independently verifiable claims processing. Traditional e-claims systems can be difficult to audit end-to-end in real time, creating opportunities for fraud, duplicate claims and disputes while increasing pressure on insurers, healthcare providers and regulators. To address this challenge, Apeiro and the ADI Foundation introduced a blockchain-based proof layer that creates a secure digital fingerprint for every healthcare claim at the moment it is submitted. Patient and medical data remain within existing healthcare systems, while cryptographic proof is recorded on ADI Chain to create a tamper-evident audit trail. This enables stakeholders to verify what happened, when it happened and by whom, without exposing sensitive patient information. The solution strengthens fraud detection, improves auditability and accountability across insurers and healthcare providers, and supports trusted digital infrastructure for Kenya's Universal Health Coverage program.