velociter case studies (medilink)

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

2Proprietary and Confidential04/09/2023

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

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


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.


XLPICO AND PHARMACCESS


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


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


DISTRIBUTION OF 11520

11520Total

5600Health Wallet

5920Remaining

1920NHIF

2600XPLICO

2200Risk Pooling

400Out-Patients

1400Marketing &

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 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


THE PROCESS


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…


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



STEP-5

Jawabu Admin Office

Insurer



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


04/09/2023 Proprietary and Confidential 19

Thanks

Velociter Solutions Pvt. Ltd.Website: www.velociters.com

Email ID: [email protected]

velociter case studies (medilink)

Economy & Finance