International medical cover designed for Africa, delivered with premium‑level claims management.

Strategic alliance PROTEGAT Cover x ADEO Africa: design and management of international medical insurance plans tailored to African local realities (processes, costs, member experience).

15+

Africa expertise

Design and management of international medical insurance products across Africa.

5J

Reimbursement in under 5 days

Medical claims management , guarantee letters, medical review, and claims analytics.

1M+

International network

More than 1 million medical providers.

FR/EN

Multilingual team

French, Spanish, English, Arabic, plus multi‑currency administration.

Optimise the management of your medical insurance plans with our technology‑driven expertise.

PRADEO COVER is designed for insurers, brokers, and employers: the same high execution standards, a clear customer journey, and concrete differentiators (WhatsApp, reporting, P‑Pay, cost control).

Insurers

Speed up the launch (or redesign) of your international medical  product.

  • Product design aligned with local needs and market constraints.

  • Operational management on a partial or full delegated basis, including processes and compliance.

  • Local direct billing partnerships: fraud control and medical cost containment.

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Brokers

A differentiating member experience, without adding complexity to your back‑office.

  • Multichannel customer service: phone, email, WhatsApp.

  • Medical claims management with a strong responsiveness commitment (reimbursement in under 5 days).

  • Secure reporting platform and data exchange (automated KPIs).

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Employers

Protect your teams locally and internationally with premium‑level claims management.

  • Structured enrollment: KYC, document validation, premium administration.

  • Digital member journey: online portal plus membership card.

  • Guarantee letters, medical review, and service quality monitoring.

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What we actually deliver in practice

End‑to‑end premium-level management: enrollment, policy administration, customer service, medical claims, digital tools, and reporting.

Administration journey

  • Enrollment: member onboarding within 2 days, KYC, compliance, premium administration.

  • Policy administration: premium monitoring, updates, complaints handling, retention actions.

  • Customer service: multilingual call center, multichannel (WhatsApp, email, phone).

Medical claims & performance steering

  • Reimbursement processed within 5 days.

  • Guarantee letters, medical review, spending analysis, and anti‑fraud measures.

  • Monthly reporting and on‑demand reporting.

What sets us apart

  • P‑Pay, a digital payment card for medical expenses.

  • Dedicated WhatsApp channel for general queries.

  • Global expertise and an optimised member journey (including partnership with CFE).

Africa: on‑the‑ground expertise & local mastery

  • Products tailored to local realities and country‑by‑country constraints.

  • African third‑party payment partnerships to better control fraud and costs.

  • Digital solutions tailored to the market (WhatsApp, P‑Pay).

Focus: P‑Pay

No more upfront payments for the insured: subject to approval, a virtual card covers medical costs, then documents are submitted through the mobile app.

1

I consult, I undergo tests, I am hospitalised.

2

I pay with my P‑Pay card.

3

I send my documents via the app.
Payment card (subject to eligibility)
Simple and seamless journey
Performance steering through reporting
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Contact us

Smooth administration, a reliable partner: contact us for a presentation or an implementation study.
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