Questions, answered plainly

You complete a two-step form (under two minutes), receive a reference number, and our onboarding team reviews the application. On approval your HR team is invited to the employer portal to enrol employees. There's no payment and no commitment at registration.

Review typically completes within days. Once approved and enrolment details are in, cover starts on the effective date you choose — many organisations go from registration to active cover inside a couple of weeks.

To register: organisation name, a contact person, and your team size. Before activation: your company registration details and an employee list — your onboarding contact walks you through it.

Pricing is per employee per month and depends on the tier and your team size. Registering gets you a tailored, itemised quote within one business day.

Pivot works with hospitals, clinics and pharmacies across Zambia. Your quote includes the current network for your locations, and employees can search providers in the mobile app.

Yes. Employees can add spouses and dependants, and your organisation decides how dependant premiums are handled — fully employer-paid, shared, or employee-paid.

No. Pivot complements the National Health Insurance Scheme with broader private cover, faster access to network providers, and employer tooling. Statutory obligations remain unchanged.

Providers submit claims directly to Pivot. Each claim moves through a tracked pipeline — submitted, reviewed, approved, paid — visible to the member in the app. Your organisation sees aggregate claims activity, never clinical detail.

Utilisation categories and costs only. Diagnoses, treatments and clinical notes are never exposed to employers — privacy is enforced in the platform itself, not by policy alone.

One monthly invoice for the whole organisation, itemised per employee and tier. Your finance team gets a statement view in the employer portal.

Remove them in the employer portal and cover ends at the period boundary — the next invoice adjusts automatically. No forms, no calls.