LCT Africa

The Platform

Seven modules. One platform. Every part of medical scheme administration.

LCT integrates Cloud computing, Artificial Intelligence, Blockchain, and Data Analytics into a single platform that handles the full lifecycle of a medical scheme — from member enrolment through claims settlement.

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Module 01

End identity fraud at the point of care.

LCT's biometric identity module stops ghost membership and impersonation before they cost your scheme money. Verification takes under three seconds, even at remote facilities.

  • Fingerprint and facial recognition
  • Portable device for field deployment
  • Offline-capable verification with sync
  • Liveness detection and anti-spoofing
  • Audit trail for every verification event
  • Integration with national ID systems

Best for: Insurers, providers, and county UHC programmes

Talk to a biometrics specialist

Module 02

Take control of your member roster.

From onboarding a new employee group to handling mid-year plan changes, LCT's member management module keeps your roster accurate, auditable, and always in sync with your provider network.

  • Bulk onboarding via spreadsheet or API
  • Dependant management with relationship rules
  • Plan upgrades, downgrades, and transfers
  • Suspension, termination, and reinstatement workflows
  • Member self-service through the LCT app
  • Eligibility checks at point of care
  • Real-time membership reports

Best for: Insurance administrators, HR managers, and scheme trustees

See it in action

Module 03

Process claims faster, with fewer errors.

Manual claims processing slows schemes down and opens the door to leakage. LCT automates adjudication end-to-end while keeping your team in control of exceptions, disputes, and settlement.

  • E-claims submission with document attachments
  • Automated adjudication via configurable rules
  • Pre-authorisation workflows
  • Fraud detection and anomaly flagging
  • Claims status tracking for all parties
  • Bulk approval and rejection workflows
  • Settlement file generation
  • Full audit trail and dispute resolution

Best for: Payers and providers

Get a claims assessment

Module 04

Run your provider network with precision.

Managing hundreds of contracted facilities is complex. LCT gives you a single place to credential providers, manage tariffs, track performance, and handle reconciliation — without spreadsheets.

  • Provider onboarding and credentialling
  • Contract and tariff management
  • Panel configuration by scheme and benefit
  • Performance dashboards and quality metrics
  • Payment reconciliation and remittance
  • Provider portal access management
  • Compliance tracking

Best for: Insurers and TPAs

Discuss your provider network

Module 05

Design and roll out plans without engineering tickets.

Product teams and scheme designers can build, clone, and deploy benefit plans directly in LCT — including complex limits, exclusions, and effective dates — without touching code.

  • Visual plan builder
  • Inner and outer limit configuration
  • Copays, deductibles, and coinsurance
  • Exclusions and waiting periods
  • Effective-dating for mid-year changes
  • Plan cloning and templating
  • Benefit utilisation reporting

Best for: Insurance product teams and corporate scheme designers

Talk to product

Module 06

Better outcomes start with proactive care.

Care management moves schemes from reactive claims-payment to proactive health management. LCT's module supports the full journey — from pre-authorisation through chronic-condition programmes and outcomes tracking.

  • Pre-authorisation request and approval workflows
  • Case management for high-cost cases
  • Chronic-condition registration and tracking
  • Care pathways and protocol adherence
  • Wellness programme integration
  • Outcomes reporting

Best for: Payers running managed care and counties running UHC

Explore care management

Module 07

Understand your book in real time.

From executive dashboards to custom BI integrations, LCT gives every stakeholder the data they need in the format they want — on demand or scheduled, aggregated or granular.

  • Executive dashboards with live KPIs
  • Regulatory and statutory reports
  • Loss ratio and utilisation analytics
  • Provider performance scorecards
  • Member engagement metrics
  • Custom report builder
  • API access for BI tools
  • Scheduled report delivery

Best for: CFOs, actuaries, regulators, and trustees

Request sample reports

Module 08

The scheme, in your members' pocket.

The LCT app gives members everything they need to use their cover — and gives schemes a direct channel to engage them. Available free on Android and iOS.

  • Digital member card with QR code
  • Provider locator with directions
  • Real-time benefits balance
  • Claims history and status tracking
  • Pre-authorisation requests
  • Dependant view and management
  • Wellness content and notifications

Download on the

App Store

Get it on

Google Play

Built to fit your stack. Built to protect your data.

Open Integration

LCT supports integrations with existing scheme administration systems, hospital information systems, ERPs, CRMs, payment gateways, and national ID infrastructure. A formal integration request is all that's required to scope the work.

Scheme Admin SystemsHISERPsCRMsPayment GatewaysNational ID

Enterprise Security

  • Kenya Data Protection Act 2019 compliant
  • Encryption at rest and in transit
  • Role-based access control with audit logs
  • Multi-factor authentication
  • Regular third-party security audits
  • Disaster recovery and business continuity
  • Data residency options

Training included

Both virtual and in-person training is provided to administrators, providers, and end users at request.

Want to see how the modules work together?

A guided demo is the fastest way to understand whether LCT fits your scheme. 30 minutes. No commitment.

Book a Demo