Aycheek

Nomow

Aycheek

Aycheek provides retirement plans for Tunisians in the Gulf and affordable insurance for Tunisians worldwide—turning exclusion into security.

Tunisia

Tunisia

Hybrid of for-profit and nonprofit

Problem: 500,000+ Tunisians in the Gulf lack pension access, risking poverty upon return. Meanwhile, 2M+ diaspora members struggle with expensive/absent health insurance for families back home. Scale: Gulf: 88% of Tunisian workers have no retirement plan (ILO). Global: 70% of Tunisian families lack affordable health coverage (World Bank). Root Causes: Legal exclusion from GCC pension systems. Fragmented insurance markets with high individual premiums. Aycheek tackles this via diaspora-centric group models and localized fintech.

Aycheek is a digital platform offering two core services: -Gulf-Focused Retirement Plans: Tunisian workers in GCC countries (where pensions exclude foreigners) can save long-term via flexible contributions, with payouts in Tunisia. Uses blockchain for transparent cross-border transfers. -Global Family Insurance: Low-cost health coverage for Tunisian diaspora families worldwide, leveraging group rates and community pooling (e.g., Sadaqa Insurance for needy families). The app combines AI-driven savings tools, partnerships with Tunisian insurers, and a social platform for diaspora support. https://www.youtube.com/watch?v=ujSmLNfZcEw

Primary Beneficiaries: Expatriate Gulf Workers: Secure retirement savings denied by host countries. Diaspora Families: Affordable health insurance via collective bargaining. Impact: Financial Inclusion: 1st pension alternative for Gulf-based Tunisians. Cost Reduction: Cuts family insurance costs by 60% via group plans. Social Safety Net: Sadaqa Insurance extends coverage to low-income families. Example: A construction worker in Qatar can retire with savings sent to Tunisia, while his parents access subsidized healthcare via Aycheek’s network.