06/06/2022 Proprietary and Confidential 1 MEDI-LINK
Nov 29, 2014
04/09/2023 Proprietary and Confidential 1
MEDI-LINK
ABOUT THE CLIENT
Medilink International provides a range of medical support services to corporate
clients and their employees, many of whom operate in austere terrains and
climates.
Medilink 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.
Africa MediLink is the biggest Insurance Player in Kenya
Medilink KENYA’s 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
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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
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INSURANCE SECTORS IN KENYA
TOP LEVEL
NATIONAL LEVEL
MICRO-HEALTH
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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
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JAWABU
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VISION
MISSION
CORE
VALUES
OBJECTIVE
To be a company of choice in the provision of financial services for Jua Kali sector in Kenya.
To mobilize funds, provide credit and other financial services to our Jua Kali members on competitive terms.
Innovation, Integrity, Value, Fairness, Excellence.
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.
STAKEHOLDERS IN THE PROJECT
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J A WA B U
P R O V I D E R
A M L X P L I C O
P H A R M A C C E S S
N H I F
NATIONAL HOSPITAL INSURANCE FUND
National 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 NHIF 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 NHIF membership is open to all Kenyans who have attained the age of 18 years and years and
have a monthly income of more than Ksh 1000.
NHIF has 31 fully autonomous branches across the country. Each of these branches offers all NHIF services including payment of benefits to hospitals or members or employers. Smaller satellite offices and
service points in district hospitals also serve these branches.
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XLPICO AND PHARMACCESS
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XPLICO are a specialist Insurance Company set up to underwrite current challenges and the ones to come .
XPLICO provides insurance solutions to the SME sector in Kenya and the wider East African region.
XPLICO challenges convention in our specialist areas to offer market leading products and services to its customers.
Xplico 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 XPLICO new refurbished office situated at Park place in which we have state of the art technology.
PHARMACCESS
The PharmAccess 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
Jawabu and does probability
analysis of the revenue and
other calculations
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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 Jawabu does
Performs quality checks on hospitals
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DISTRIBUTION OF 11520
11520Total
5600Health Wallet
5920Remaining
1920NHIF
2600XPLICO
2200Risk Pooling
400Out-Patients
1400Marketing &
Admin
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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 NHIF• NHIF is optional for informal sector• Jawabu aims at providing the benefits of the NHIF to the informal sector as well.1920• It is paid to XPLICO.• 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
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THE PROCESS
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J A W A B UP l a n d e t a i l s
STEP-1
STEP-2
FILL FORMS
ACTIVATION
NHIF
BANK FINANCING
Sales AgentThe principle member
THE PROCESS CONTD…
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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
STEP-3
STEP-4
Regional Office Jawabu Admin Office
Data is entered into the AML system & the forms/ ID doc/ photos are scanned
THE PROCESS CONTD…
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STEP-5
Jawabu Admin Office
Insurer
THE PROCESS CONTD…
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STEP-6 : Client Welcome Pack Dispatch
Jawabu Admin Office
ID card
ID card
MANUAL, FAQ,Welcome Letter
Regional office
Welcome Pack
Sales Agent
Member
HOW WE HELPED?
Provided the technical support to
Jawabu to implement this project
Storing of data of all applicants
Automating processes
Faster transactions and improved
efficiency
Increased security
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Thanks
Velociter Solutions Pvt. Ltd.Website: www.velociters.com
Email ID: [email protected]