DanAid is a mobile Micro-health insurance service providing optimized health plans for the millions on uninsured across Africa. In most countries in Africa unlike Europe, access to healthcare is cash based, with families having to cover all medical costs out of pocket and often up-front. This causes people to delay, skip or forgo care for lack of money, or to choose between healthcare and food or education. The consequences are drastic and well documented. The traditional insurance and community based health financing solution have proven ineffective. Only about 5% of the population is covered, mainly because of high prices, lack of trust and the low reach of their agent based models. We have built a hybrid platform where families can subscribe for an amount they can afford and receive quality coverage for most of their medical needs. Our solution leverages mobile payment facilities as well as the existing healthcare infrastructure to provide near real-time access to care for our subscribers and their families. The users receive the care they need simply by sending us an SMS or scanning our mobile APP through our specially designed "Digital Patient Journey".