Large insurance firm

9/1/2014 Proprietary and Confidential 1

ABOUT THE CLIENT

The company provides a range of medical support services to corporate clients and their employees, many of whom operate in austere terrains and

climates.

It provides mainly critical services such as emergency response, medical

evacuation, mobile clinics to remote locations, leasing of 4WD ambulances

and medical equipment, supply of medical consumables and drugs,

medical staffing and topside support.

The firm is the biggest Insurance Player in Kenya

The management team is staffed by experienced professionals and doctors.

All our managers hold postgraduate degrees in various disciplines and have been recruited from amongst the best

in the industry

2Proprietary and Confidential9/1/2014

KENYAN ECOSYSTEM

Most of the population in African

countries do not have insurance

Prime reason is that they barely manage to satisfy their daily requirements and

hence cannot afford to pay premium for

insurance

Most still cannot afford proper

healthcare

BPL population are the worst sufferers Also, in general,

Africa is an expensive place to live in


INSURANCE SECTORS IN KENYA

TOP

LEVEL

NATIONAL LEVEL

MICRO-HEALTH


MICRO-HEALTH

Health Plans for the population

who cannot afford such insurance

Includes ordinary

farmers, Matatu conductors & drivers, labor,

etc.

Tremendously growing sector

for the insurance companies


JAWABU


Vision

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

Mission

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

Core Values

• Innovation, Integrity, Value, Fairness, Excellence.

Objectives

•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 for the ordinary Kenyans, working hard to build this economy.

NATIONAL HOSPITAL INSURANCE FUND

Hospital Insurance Fund is a State Parastatal that was established in 1966 as a department under the Ministry of Health. The original Act of Parliament that set up this Fund in 1966 has over

the years been reviewed to accommodate the changing healthcare

needs of the Kenyan population, employment and restructuring in the

health sector.

The transformation of Insurance Fund from a department of the Ministry of Health to a state of corporation was

aimed at improving effectiveness and efficiency. The Fund's core mandate is to provide medical insurance cover to

all its members and their declared dependants (spouse and children). The

The Insurance Fund membership is open to all Kenyans who have attained the age of 18 years and years and have

a monthly income of more than Ksh1000.

The Insurance Fund has 31 fully autonomous branches across the

country. Each of these branches offers all The Insurance Fund services

including payment of benefits to hospitals or members or employers. Smaller satellite offices and service

points in district hospitals also serve these branches.


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.

Pharma Company

The Group is dedicated to

affordable access to quality

health care in Africa, by

stimulating investments

through partnerships

with the private sector and

government institutions

This group of non-profit

organizations has a shared goal, working

towards achieving

inclusive health care for Africa

In doing so, it contributes to

healthier populations and

social and economic

development.

It is technical assistance

provider to this brand and does

probability analysis of the revenue and

other calculations


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


DISTRIBUTION OF 11520

11520

Total

5600

Health Wallet

5920

Remaining

1920

Insurance Fund

2600

2200

Risk Pooling

400

Out-Patients

1400

Marketing & Admin


DETAILS

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

•It covers not just the regular hospital expenses but also pharmacist, optician, doctor consulting fees, etc.

•Unused amount is refunded back 5600

•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.1920

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

•Also, it will cover upto 50000 in case of death and funeral costs

•Remaining 400 will cover upto 3500 for out-patients. 2600

•60% goes towards marketing activities

•40% goes towards administration expenses like managing the project, stakeholders, etc. 1400


THE PROCESS


P l a n d e t a i l s

FILL FORMS

ACTIVATION

The Insurance

Fund

BANK FINANCING

Sales AgentThe principle member

THE PROCESS CONTD…


The Family principle member

Pay with M PESA

KSHS 11,520

KSHS 2,000 *

Paybill no:

<number>Ref no:

< Form no >OR

Various payment option, FULL premium

*Minimum Payment & remaining subject to bank financing

Regional Office Brand Admin Office

Data is entered into the AML system & the forms/ ID doc/ photos are scanned



Jawabu Admin Office

Insurer

Insurance Fund



Jawabu Admin Office

ID card

ID card

MANUAL, FAQ,Welcome Letter

Regional office

Welcome Pack

Sales Agent

Member

Insurance Fund

The company

HOW WE HELPED?

Provided the technical support to the brand

to implement this project

Storing of data of all applicants

Automating processes

Faster transactions and improved

efficiency

Increased security



Technology

Large insurance firm