The company provides various medical support services like emergency response and medical evacuation to remote locations for corporate clients. It aims to provide affordable health insurance to ordinary Kenyans through its Jawabu program. Jawabu offers a plan that costs 11520 Kenyan Shillings annually and provides coverage through a health savings account, risk pooling, and contributions to the National Hospital Insurance Fund. The application and enrollment process involves filling forms, financing options, activation, and issuance of ID cards to members.

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2. 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 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
The firm is the biggest Insurance Player
in Kenya
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3. 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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4. INSURANCE SECTORS IN KENYA
TOP
LEVEL
NATIONAL LEVEL
MICRO-HEALTH
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5. 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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6. JAWABU
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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.

7. 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 Ksh
1000.
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.
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8. 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.
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9. 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
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10. 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
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11. DISTRIBUTION OF 11520
11520
Total
5600
Health Wallet
5920
Remaining
1920
Insurance Fund
2600
2200
Risk Pooling
400
Out-Patients
1400
Marketing &
Admin
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12. 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 5600 amount is refunded back
•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
2600 •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.
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13. THE PROCESS
P l a n d e t a i l s
The
Insurance
Fund
FILL
FORMS
ACTIVATION
BANK
FINANCING
Sales Agent
The principle member
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14. THE PROCESS CONTD…
*Minimum Payment & remaining subject to bank financing
The Family principle member
Paybill no:
<number>
Ref no:
< Form no >
Pay with M PESA
Various payment option, FULL premium
KSHS 11,520
OR
KSHS 2,000 *
Data is entered into the AML
system & the forms/ ID doc/
photos are scanned
Regional Office Brand Admin Office
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15. THE PROCESS CONTD…
Jawabu Admin Office
Insurer
Insurance
Fund
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16. THE PROCESS CONTD…
Jawabu Admin Office
Insurance
Fund
ID card
The
company
ID card
MANUAL, FAQ,
Welcome Letter
Regional office
Welcome Pack
Sales Agent
Member
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17. HOW WE HELPED?
Provided the technical
support to the brand
to implement this
project
Storing of data of all
applicants
Automating
processes
Increased security
Faster transactions
and improved
efficiency
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