Coverage is specifically tailored to your pool. Before you join, you will see a clear list of what's included, from emergencies to routine care.

Are there waiting periods?

Some pools implement waiting periods for specific conditions to protect the community from abuse. These are always stated clearly upfront.

How do I submit a claim?

Open the member app, follow the guided prompts to upload your documents, and track your review status.

Can I take my coverage with me?

As long as you remain a verified member of your qualifying team or community, your protection travels with you globally.

THE PROTOCOL

Effortless protection.
Built for belonging.

We have dismantled the complexity of traditional health insurance. No black boxes, no administrative overhead. Just transparent collective protection that moves with you wherever you go.

Scroll to explore the journey

The Experience

Designed to be simple. Built to be clear.

Step 01

Verify Belonging

Access begins with identity.

Connect your Web3 wallet, input your team's access key, or authenticate via your organization's email. We verify your active member status instantly—preserving privacy while securing entry.

SECURE ENCRYPTED

ID // NAK-88402VERIFIED MEMBER

POOL // GLOBAL_RES_01

Step 02

Review Transparent Terms

No hidden policies. No dense PDFs.

See your exact contribution, clear pool limits, and explicit claim guidelines upfront. Everything is written in plain, human-readable language so you know precisely what is covered.

CONTRIBUTION POOL

$45/ MONTH

Global Emergency Care100% COVERED
Outpatient ClinicsCO-SHARE
Crisis Medical RoutingACTIVE

Step 03

Join & Activate

Instantly backed by the pool.

Activate with a single click. Your contribution goes directly into the secure community reserve pool. Your digital protection certificate is issued immediately, and your status goes live.

Step 04

Access Seamless Care

Global support, guided by professionals.

When you need medical care, our 24/7 care team routes you to the best global clinics. Scan bills, upload documents in seconds, and track reviews transparently. Claims are fast-tracked, built on trust.

Trust & Safety

An architecture built on absolute transparency.

Traditional health insurance hides behind dense legalese and opaque finances. Nakama operates on clear rules, cryptographic trust, and verifiable solvency.

Verifiable Reserves

Pool funds are held in secure, transparently accounted reserves. Real-time balance validation ensures the protection capital is fully liquid and ready to pay claims.

Algorithmic & Fair Rules

By removing discretionary human brokers and replacing them with deterministic rules, claims are evaluated with zero bias. Decisions are clear, consistent, and fast.

Privacy-First Protocol

We prioritize patient confidentiality. All medical records and claims documentation are protected with state-of-the-art encryption, sharing only aggregate data for pool reports.

PROTOCOL_ACTIVE // SYSTEM_OK

SOLVENCY: 240%

01 //COMMUNITY POOL RESERVES

$1,420,000 USD

02 //CLAIMS PAYOUT RATIO

98.2%

03 //AVERAGE DISBURSEMENT TIME

24 Hours

FAQ

The details,
clarified.

We believe that fine print should not be a hiding place. Here is how Nakama operates at its boundaries.

What is covered under the Nakama protocol?

Coverage is specifically defined by your group's custom pool rules. Generally, this encompasses global emergency hospitalizations, surgical operations, trauma care, and out-of-country medical transport. Before joining, you are presented with a straightforward list of exact benefits in plain text.

Are there any waiting periods?

To protect the pool's long-term sustainability against adverse selection, some pools apply a standard waiting period for pre-existing or non-emergency conditions. These parameters are negotiated by your community's operator and are clearly visible before activation.

How does the claim disbursement process work?

When you receive care, you scan and submit your bills via the Nakama app. The Nakama care coordinators verify the claim against the deterministic rules of your pool. Approved claims are paid directly to you or the medical provider within hours.

Can I remain protected if I leave my organization?

Nakama is designed around portable belonging. As long as you remain an authorized member of an active Nakama-enabled community, or transition your protection to an individual pool plan, your health protection remains unbroken.

Where are community reserves stored?

Reserve funds are deposited securely with fully regulated, tier-1 financial custody partners and transparently accounted for. This keeps capital protected, audited, and completely decoupled from operational expenses.

MEMBERSHIP & TEAMS

Experience effortless protection.

Check eligibility as a member, or bring Nakama to your team, founder house, DAO, or trusted community.

Check Eligibility See Team Options

shield_with_heartInstant digital enrollment • Backed by tier-1 global reserves • Underwritten by certified community pools

Effortless protection.Built for belonging.