What your pool supports depends on your group's rules and how the pool is funded — anything from clinic and urgent-care visits to larger emergencies, set by your community. Before you join, you see a plain-language list of the exact benefits, limits, and exclusions, so nothing is left to assumption.
How it works
A health pool built around verified members.
You join through a group you already belong to. And when something happens, your people are not alone. Here is the whole thing, start to finish — including the exact terms you see before you decide.
What a pool isContributions in.
Contributions in.
Support out.
Many people contribute a little each month into one shared reserve, governed by rules the whole group can see — so when one member needs care, the pool stands behind them.
Your groupA verified team or community unlocks access.
MembersVerify their place, then contribute monthly.
The reserveThe poolA shared reserve. Rules in the open.
NakamaRoutes care, reviews claims against the rules.
Care reaches the memberSupported costs paid out under the pool's rules.
Before you joinYou see the real terms first.
You see the real terms first.
No guessing.
This is the shape of what a member sees before they decide — your group sets the exact version.
Example pool · TermsExample pool
Member contribution$25 / month
Pool benefitUp to $1,000 / claim
FocusSudden illness & injury
ExclusionsListed in full, in writing
Waiting periodShown before joining
ClaimsReviewed against written rules
Members see their pool's real version of this card — exact terms, in plain language — before they decide.
Joining to care
From the day you join to the day you need it.
01
Join through your group
Verify your place by invite code, email domain, wallet, or operator approval.
02
Stay private
Nakama confirms you belong and your membership is active — without exposing your personal details to the rest of the group.
03
Know your terms
You accept the exact card you saw, in plain language. Nothing changes after you join.
04
A real person picks up
Submit your documents in the app. Nakama guides care routing, your claim is reviewed against the written rules, and supported costs are paid out.
Built to feel quiet, even when life isn't.
Who keeps it honest
A pool runs on people, not a dashboard.
Behind every pool are real roles that connect contributions to care, accountable to written rules — so leaders stay focused on the community and members always have a person to talk to.
- Community operatorConfirms group context, member standing, and how to escalate when care is needed.
- Local coordinatorHelps members find the right next step when care is local or urgent.
- Care partnerGuides care routing and documentation, without turning the community into a clinic.
- Claims reviewerChecks submitted documents against the pool's rules before an outcome.
FAQ
The details,
clarified.
Fine print should not be a hiding place. Here is how Nakama operates at its boundaries.
Pool terms
To keep the pool fair and sustainable for everyone, some pools apply a standard waiting period for pre-existing or non-emergency conditions. These terms are set by your community's operator and are clearly visible before you join.
When you receive care, you submit your documents in the Nakama app. Care coordinators check the claim against the rules your community set for the pool, and supported claims are paid out under those rules. Your pool's review timing is shown before you join.
Your access is tied to active membership in your group — if you leave, it ends. If your pool offers a portable option or wind-down period, those terms are written into the offer you accept, and any claim you made while active is still reviewed under them.
Onchain infrastructure
Reserve funds are held with regulated custody partners and transparently accounted for. This keeps the pool's reserves protected, audited, and separate from day-to-day operating costs.
Onchain infrastructure records contributions and pool activity so the same rules apply to everyone and the numbers stay verifiable. It is the plumbing underneath, not something members have to think about.
GET STARTED
When something happens, your people are not alone.
Now you've seen the whole thing. Check your eligibility as a member, or bring Nakama to your team, founder house, DAO, or trusted community.
Digital enrollment in minutes • Backed by community pool reserves • Pool rules shown upfront