9/1/2014 Proprietary and Confidential 1

ABOUT THE CLIENT

The management team is staffed by
The company provides a range of
experienced professionals and doctors.
medical support services to corporate
All our managers hold postgraduate
clients and their employees, many of
degrees in various disciplines and have
whom operate in austere terrains and
been recruited from amongst the best
climates.
in the industry

It provides mainly critical services such

as emergency response, medical
evacuation, mobile clinics to remote
The firm is the biggest Insurance Player
locations, leasing of 4WD ambulances
in Kenya
and medical equipment, supply of
medical consumables and drugs,
medical staffing and topside support.

9/1/2014 Proprietary and Confidential 2

KENYAN ECOSYSTEM

Prime reason is that

they barely manage
Most of the
to satisfy their daily
population in African
requirements and
countries do not
hence cannot afford
have insurance
to pay premium for
insurance
Most still cannot
BPL population are
afford proper Also, in general,
the worst sufferers
healthcare Africa is an expensive
place to live in

9/1/2014 Proprietary and Confidential 3

INSURANCE SECTORS IN KENYA

TOP
LEVEL

NATIONAL LEVEL

MICRO-HEALTH
9/1/2014 Proprietary and Confidential 4
MICRO-HEALTH

Health Plans for

the population
who cannot
afford such
insurance

Includes
Tremendously ordinary
growing sector farmers, Matatu
for the insurance conductors &
companies drivers, labor,
etc.

9/1/2014 Proprietary and Confidential 5

JAWABU
• To be a company of choice in the provision of financial services for Jua Kali sector in Kenya.
Vision

• To mobilize funds, provide credit and other financial services to our Jua Kali members on
competitive terms.
Mission

• Innovation, Integrity, Value, Fairness, Excellence.

Core Values

• To promote the business growth and reduce the vulnerability of poor informal sector workers in
Kenya through improved access to financial services. The health product is specifically designed
Objectives for the ordinary Kenyans, working hard to build this economy.

9/1/2014 Proprietary and Confidential 6

NATIONAL HOSPITAL INSURANCE FUND

The transformation of Insurance Fund

from a department of the Ministry of
Hospital Insurance Fund is a State
Health to a state of corporation was The Insurance Fund has 31 fully
Parastatal that was established in 1966
aimed at improving effectiveness and autonomous branches across the
as a department under the Ministry of
efficiency. The Fund's core mandate is country. Each of these branches offers
Health. The original Act of Parliament
to provide medical insurance cover to all The Insurance Fund services
that set up this Fund in 1966 has over
all its members and their declared including payment of benefits to
the years been reviewed to
dependants (spouse and children). The hospitals or members or employers.
accommodate the changing healthcare
The Insurance Fund membership is Smaller satellite offices and service
needs of the Kenyan population,
open to all Kenyans who have attained points in district hospitals also serve
employment and restructuring in the
the age of 18 years and years and have these branches.
health sector.
a monthly income of more than Ksh
1000.

9/1/2014 Proprietary and Confidential 7

Other stake holders
A specialist Insurance Company set up to underwrite current challenges and the ones to come
.

Provides insurance solutions to the SME sector in Kenya and the wider East African region.

Challenges convention in our specialist areas to offer market leading products and
services to its customers.

Covers all classes of insurance from hotels, properties, entertainment, sports and artists
risks as well as marine, aviation and industrial risks.

All risks are underwritten from a new refurbished office situated at Park place in which we
have state of the art technology.

9/1/2014 Proprietary and Confidential 8

Pharma Company

The Group is
dedicated to
affordable
This group of It is technical
access to quality
non-profit In doing so, it assistance
health care in
organizations contributes to provider to this
Africa, by
has a shared healthier brand and does
stimulating
goal, working populations and probability
investments
towards social and analysis of the
through
achieving economic revenue and
partnerships
inclusive health development. other
with the private
care for Africa calculations
sector and
government
institutions

9/1/2014 Proprietary and Confidential 9

How Jawaba Contributes?

Provides insurance at a low cost – just 11520

Kenyan Shillings

Helps the people acquire loan and financing for

the premium amount

Negotiates with providers and keeps them in

check that they refrain from charging
unreasonably

Generally insurance plans do not cover for out-

patients, but the brand does

Performs quality checks on hospitals

9/1/2014 Proprietary and Confidential 10

DISTRIBUTION OF 11520
11520
Total

5600 5920
Health Wallet Remaining

1400
1920 2600
Marketing &
Insurance Fund
Admin

2200 400
Risk Pooling Out-Patients

9/1/2014 Proprietary and Confidential 11

DETAILS
•It is contributed to the ‘health wallet’ which is a medical savings account.

5600 •It covers not just the regular hospital expenses but also pharmacist, optician, doctor consulting fees, etc.
•Unused amount is refunded back

1920 •It is contributed towards the Insurance Fund

•Insurance Fundis optional for informal sector
•It aims at providing the benefits of the The Insurance Fund to the informal sector as well.

•Out of this, 2200 is used for in-patient wherein XPLICO will cover surgery upto 15000.

2600 •Also, it will cover upto 50000 in case of death and funeral costs
•Remaining 400 will cover upto 3500 for out-patients.

1400 •60% goes towards marketing activities

•40% goes towards administration expenses like managing the project, stakeholders, etc.

9/1/2014 Proprietary and Confidential 12

THE PROCESS

Plan details

The principle member

Sales Agent

The
Insurance
Fund
BANK
ACTIVATION
FINANCING

FILL
FORMS

9/1/2014 Proprietary and Confidential 13

THE PROCESS CONTD…
Various payment option, FULL premium
KSHS 11,520 Paybill no:
<number>
OR Ref no:
< Form no >
KSHS 2,000 *
*Minimum Payment & remaining subject to bank financing
The Family principle member
Pay with M PESA

Data is entered into the AML

system & the forms/ ID doc/
Regional Office Brand Admin Office
photos are scanned
9/1/2014 Proprietary and Confidential 14
THE PROCESS CONTD…

Insurance
Fund

Jawabu Admin Office

Insurer
9/1/2014 Proprietary and Confidential 15
THE PROCESS CONTD…

Insurance
Fund
ID card

The
company
ID card
Regional office

Jawabu Admin Office MANUAL, FAQ,

Welcome Letter Sales Agent

Welcome Pack Member

9/1/2014 Proprietary and Confidential 16

HOW WE HELPED?
Provided the technical
support to the brand
to implement this
project

Storing of data of all

Increased security
applicants

Faster transactions
Automating
and improved
processes
efficiency

9/1/2014 Proprietary and Confidential 17

9/1/2014 Proprietary and Confidential 18