The Mechanism

How the
Fund Works

A four-party public-private partnership that shifts wellness from an individual burden to an institutional guarantee — and from a cost centre to a revenue generator.

Why This Mechanism Was Designed This Way — The Five Evidence Layers
Layer 1 · Mortality
84+60 ASUU-confirmed deaths in two 3-month periods. ~280–336/yr annualised. Cluster: HTN, CVD, stress-related.
Layer 2 · Clinical
27.8% undiagnosed HTN (Vincent-Onabajo 2016). 40% HTN at FUNAAB (Akinpelu 2023). 37.1% HTN Nigerian HCWs. 19.9% know risk factors (LAUTECH 2015).
Layer 3 · Mental Health
Stress-anxiety-depression correlation. Cardiac history predicts depression. Burnout documented nationally. PHQ-9 screening in every assessment. (PLOS Mental Health 2025)
Layer 4 · NCD Epidemic
+21.3% DALY increase 2010–2019, 15% faster than WHO projections. Directly addressed by World Bank Fit to Prosper (May 2026). Wellcome LOI in preparation.
Layer 5 · Brain Drain
1.83 skilled HCWs/1,000 vs WHO min 4.45. 13,609 UK visas 2021. Health insecurity = emigration push factor. CWF addresses this directly (Lancet 2024).
Step by Step

The Institutional Allocation Model

01

Institution Allocates a Wellness Line-Item

Each participating institution ring-fences a mandatory wellness allocation from its existing staff welfare budget — deposited into a dedicated, separately-managed College Wellness Fund account. No individual opt-in required. Administered through the existing Bursary Department infrastructure already in place for TISSF deductions.

Design rationale: Voluntary individual opt-in produces 10-20% uptake in Nigerian institutional settings. Institutional allocation guarantees universal enrollment at the institutional compliance level — which TETFund controls.
02

TETFund Matches 100% for Five Years

TETFund matches the institutional allocation at 100%, capped at ₦50,000 per staff per year. The match phases down over five years — 100% in Years 1-3, 50% in Year 4, 25% in Year 5 — as IGR matures and the fund becomes self-sustaining. This is a matching fund partnership, not a grant.

03

Doktorconnect Verifies and Disburses

Doktorconnect representatives certify that wellness services have been delivered before any fund disbursement. Dual verification with the Head of Institution for amounts above ₦5 million. Annual audits reported transparently to TETFund, integrated with existing TISSF monitoring frameworks.

04

LifePro Certified Network Delivers Annual Screenings

Annual comprehensive wellness assessments — physical examination, key bloodwork, mental health screening, lifestyle review, and personalised wellness roadmap — delivered by the LifePro Certified Provider Network. Zone-based credentialing ensures quality and reach across all 271 institutions.

05

Doktorconnect Platform Engages Staff Year-Round

Screening results populate each staff member's Digital Health Passport. Gamified wellness challenges, health score tracking, streaks, and departmental leaderboards keep staff engaged between annual screenings. Telemedicine gateway provides 24/7 access to follow-up care.

06

Community IGR Makes the Fund Permanent

From Year 1, institutions offer wellness services to surrounding communities — generating IGR that progressively replaces TETFund's matching contribution. By Year 6, the fund is fully self-sustaining through community wellness revenue and budget absorption. TETFund exits. The programme lives on permanently.

Tiered projection: Tier 1 federal universities target ₦50-67M IGR annually by Year 5. Tier 2 state universities target ₦25-45M. Tier 3 COEs use budget-absorption — no community IGR assumed.
Partnership Structure

Who Does What

Partner 01
TETFund
  • 5-year matching fund
  • Utilisation monitoring
  • Outcomes evaluation
  • Policy integration
Partner 02
Doktorconnect
  • Technology platform
  • Provider network mgmt
  • Service verification
  • Data analytics
Partner 03
LifePro Network
  • Annual screenings
  • Clinical quality
  • Zone-based delivery
  • Provider credentialing
Partner 04
Institutions
  • Wellness allocation
  • Campus Committee
  • Space provision
  • Community outreach
International Funding Pipeline Aligned with This Model
World Bank — Fit to Prosper
Concept note submitted. Aligned with all 3 pillars of the May 2026 regional health strategy. Health and Jobs MPA candidate. USD 12M requested alongside TETFund's ₦11.235B commitment.
Wellcome Discovery Award
Letter of Intent in preparation. LMIC Track — positioned as generating Nigeria's first longitudinal academic workforce health dataset. £2.8M over 5 years for the research protocol layer. Nigerian university co-applicant being confirmed.
NHIA Integration
Annual screenings designed as NHIA onboarding health assessments. Government co-funding from Year 3. LifePro Certified Provider Network delivers clinical services across all 6 geopolitical zones. Engagement with NHIA Director-General in preparation.

See the numbers
for your institution

Use our interactive Financial Simulator to model the College Wellness Fund's projected outcomes — adjusted for your institution's size, enrollment rate, and TETFund match phase.