E-Vouchers para Salud Maternal en el oeste de Kenia

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E-Vouchers para Salud Maternal en el oeste de Kenia

KenyaKenya
Año de Fundación:
2009
Tipo de organización: 
Lucrativa
Presupuesto: 
$250,000 - $500,000
Resumen del Proyecto
Presentación del Proyecto!

Resumen conciso: Ayúdenos a presentar esta solución! Proporcione una explicación en 3 o 4 frases cortas.

Changmka Microhealth es una empresa social cuya misión es usar la tecnología móvil para proveer servicios de salud innovadores para las personas que carecen de seguro médico. Changmka ha desarrollado un programa de ahorros en servicios médicos vía celular, un sistema virtual de recibos para la salud maternal y un programa de micro seguros.

About Project

Problema: ¿Qué problema está tratando de abordar este proyecto?

The goals of our project are to dramatically increase the rates of skilled and institutional deliveries while generating generalizable knowledge about the effectiveness of this m-health program. Specifically, we plan to (1) double the rates of institutional and skilled deliveries in a population of 10,000 women in Western Kenya; (2) increase the rates of antenatal and postnatal care, in particular the number of women who receive four or more antenatal visits; and (3) improve the quality of care delivered by incentivizing CHWs. We hope to generate generalizable knowledge on: (1) the effectiveness of maternity and transportation vouchers; (2) the impact of SMS messages on the demand for care, (3) ways to reduce gender and cultural barriers by also targeting husbands and Birth Attendants

Solución: cuál es la solución propuesta? Por favor sé específico!

We have engaged Community Health Workers who use a poverty tool to identify eligible women, deserving of maternal health subsidy vouchers. Those who qualify are registered, Bio data and photographs taken and uploaded into our Cloud based Online Payer Provider Platform. The women receive e- vouchers on their phones which they present on their visit to health facilities. Upon validation/verification of identity and schedule of benefits, services are rendered in an absolutely paperless process. Health facilitie are given timely payments without having to lodge any claims or issue statements. Women not qualifying are registered on the microinsurance programme and encouraged to make regular savings on their phones until they reach the insurance premium threshhold.
Impact: How does it Work

Ejemplo: Guíenos a través de un ejemplo/s específico/s de cómo esta solución hace la diferencia; incluya sus actividades principales.

For the maternal health e voucher programme, our vision is to at least double the number of women delivering under skilled care in the selected districts, and eventually to scale this to the whole country. For the microinsurance programme, our first objective is to register at least 1 million families in the first twelve months and increase this to five million within three years.

Impacto: ¿Cuál ha sido el impacto del trabajo hasta ahora? Asimismo, describa el impacto previsto en el futuro para los próximos años.

Since launching in 2009, we have reached approximately 15,000 individuals. However, we were not content with the pace of scaling as our technology was expensive and not always reliable. We thus embarked on a technology upgrade that will now ensure that we reach 1 million families (approximately) 5 million individuals or 12.5% of the population within 12 months. This number is planned reach 5 million families (25 million individuals) or approximately 50 % of the population in 3 years. Awareness creation and behaviour change are critical components of our activities. We have thus engaged with the Government to incorporate our activities into their plans in the areas in which we are operating. This has added critical validation to our operations.
Sustentabilidad

Plan de Sustentabilidad Financiera: ¿Cuál es el plan para asegurar la sostenibilidad financiera de esta solución?

To increase the registration of needy mothers from 1,500 in one district to 10,000 in four districts; to register 1 million families into the microinsurance programme within the first 12 months and to increase this to 5 million within 36 months. We aim to engage with the Government's National Health Insurance Fund to cross underwrite the microinsurance product so as to make it more affordable; and to use their countrywide network of accredited facilities as the avenue for achieving Universal Healthcare in Kenya.

Mercado: ¿Quién mas está abordando el problema aquí descrito ? ¿Cómo difiere el proyecto propuesto de esos enfoques?

Our peers and competitors comprise all who provide some form of health financing plans such as insurance companies and Health Management Organizations
Equipo

Historia fundacional

Over 90% of Kenyans have no access to health insurance or any formal health plan. Over 90% of Kenyans have access to mobile phones More than 50% of global mobile money transactions happen in Kenya Aha! We can use mobile telephony and mobile money to deliver healthcare
Nombre de la organización

CHANGAMKA MICROHEALTH

Sobre ti
Sobre ti
Nombre

SAMUEL

Apellido

AGUTU

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Innovación
Explica de qué se trata la “innovación”, por ej.: ¿es la idea y/o el modelo que utilizas para lograr tu misión, o tu comprensión sobre la población objetivo, etc.?

Our first plan is to dramatically scale a proven e-voucher program that reduces financial, transport, and informational constraints to dramatically increase skilled facility-based deliveries in rural Kenya and to evaluate its impact using a randomized study design. We also further innovate and test ways to overcome cultural and gender-based constraints to maternal health care by engaging traditional birth attendants and husbands, and to improve the quality of care by incentivizing community health workers.
In addition, we have developed a microinsurance product that is procured on an individual's phone to overcome the challenge of distributing microinsurance and health services. Individuals who register, get a sequestered "wallet" in their phones in which they can save little by little as they accumulate enough funds, which automatically convert to premium when the set threshold is reached.

Describe cómo se diferencia tu modelo de innovación en el campo, respecto al de cualquier otra organización.

Our e voucher program replaces conventional paper voucher subsidy programs and reduces administrative costs by almost 50% whilst increasing reach in an unprecedented way.
Our phone based Microinsurance plan enables anyone with a mobile phone and a mobile money account to subscribe and register for insurance; thereby significantly increasing access whilst lowering the affordability barrier by enabling individuals save little by little in a sequestered account.

¿Qué tipo de sistema operativo y factores internos de la organización hacen que tu innovación sea un éxito?

Over 90% of Kenyans have no access to health insurance or any formal health plan and over 90% of Kenyans have access to mobile phones. The Government has put in place a conducive environment that supports innovation by eliminating taxes on IT hardware.
Changamka is an innovative organization, where new ideas are encouraged and nurtured; and investments made to support new ideas.

¿Cómo te aseguras que innovas constantemente a la luz de (potenciales) desafíos externos, o cuál es tu plan de crecimiento?

Changamka invests heavily in research, monitoring and evaluation. Each of our projects has a research component to ensure that rigorous randomised evaluation is carried out and that results are fed back to ensure continuous improvement

País de la organización
Modelo de Negocios
Desafío sistémico que tratas de superar (selecciona sólo uno)

Brindar asistencia médica accesible a comunidades en los mercados emergentes.

Área de salud (mercado objetivo) donde se encuentra la necesidad (selecciona solo uno)

Cuidado maternal

Categorías de la atención medica que estés cubriendo [selecciona todas las que correspondan]

Intervención.

Etapa que mejor aplica para tu solución [selecciona sólo una]

Iniciado y en crecimiento (el piloto ya está operando y se ha empezado a expandir)

Estrategias centrales de tu modelo de negocios (selecciona todas las que correspondan]

Enfoques de cambio conductual a nivel individual, Diseño centrado en el paciente, Re-diseño del sistema público de atención de la salud, para una mejor eficiencia (en términos de procesos, estructura, etc.), Nuevos/redefinición de roles de prestaciones de servicio de atención de la salud, Nuevos enfoques de distribución de productos y servicios de salud, Alianzas alternativas (entre jugadores tradicionales y jugadores externos de la asistencia de la salud), Nuevas estrategias financieras para la salud.

Por favor especificar
Herramientas más relevantes que estés utilizando para implementar las estrategias destacadas arriba [selecciona sólo dos]

Tecnología, Financiamiento comunitario.

Por favor especificar
¿Cuál es tu propuesta de valor?

The affordability barrier can be reduced if individuals are given the mechanisms for saving in secure, sequestered little instalments on their mobile phones. Health Microinsurance is available to all who have access to a mobile phone and mobile money accounts. Access to healthcare is as easy as making a phone call.

¿Quiénes son los beneficiarios se los que se dirige tu trabajo?

Our customer is the mother who needs subsidized Ante Natal, delivery and post natal services; the family which does not have access to health insurance but can put aside 40 US cents per day for this. Our other customer is the urban middle/lower class who need a solution to the health problems experienced by their close relatives living in rural areas

¿Qué enfoques utilizas para llegar a ellos?

With the support and active involvement of the National and District Ministry of Health officials we introduced innovative Demand Creation activities comprising of among others interactive peer engagement forums at village level as well as SMS messaging with the result that in just over one month, we recruited more than 500 women into the experimental pilot program, demonstrating overwhelming demand for the vouchers.

¿Cuáles son tus actividades principales?

Our primary activities involve communication and behaviour change campaigns, enrollment of eligible individuals into either the maternal health or microinsurance programs. We also engage Hospitals and make regular, timely payments to them.

¿Qué otros desafíos – individuales, organizacionales o ambientales – estás actualmente enfrentando o que podrían impedir el éxito futuro de tu emprendimiento y cómo planeas superarlos?

Financing a social enterprise is a major challenge. In order to break the affordability barrier, our services have to be very low priced, meaning that we have to on board a large number of individuals. We have overcome this by developing a mobile application to enable individuals do a self subscription.

Describe brevemente tu estrategia de crecimiento futura

We have established unmatched strategic partnerships with Safaricom, the largest mobile network operator; the ministry of health and Britam, one of the largest health underwriters in our market. Our strategy is to leverage the resulting synergies to create sustainable customer value. Safaricom's 17 million customers provide a captive market that can be easily retained through superior service.

¿Qué dimensiones de crecimiento estás actualmente focalizando para tu innovación? [selecciona todas las que correspondan]

Nuevos clientes grupo/s, Nueva(s) región(es), Nuevo(s) mercado(s)/país(es).

¿Qué hace que tu negocio esté “listo” para crecer?

We have carried out the research, developed the products, proved the concepts, carried out the pilot runs, developed the marketing concepts and collateral; and have some of the greatest testimonials- we are therefore ready.

¿Cuáles son tus objetivos centrales de crecimiento?

To increase the registration of needy mothers from 1,500 in one district to 10,000 in four districts; to register 1 million families into the microinsurance programme within the first 12 months and to increase this to 5 million within 36 months.

País/es en los que opera la organización
Impacto social
¿Qué métodos cuantitativos de impacto social estás aplicando (si estuvieras aplicando alguno)?

We have not yet embarked on measuring social impact

¿Tu solución podría operar en otros conextos o regiones? Si así fuera, ¿en dónde?

Our solution can work in any geographical region , provided there is a reliable mobile telephone network and a mobile money culture

¿Cuál es tu impacto proyectado para los próximos 1-3 años?

5 million individuals in 12 months and 25 million in 3 years

Sostenibilidad
Explica detalladamente tu estrategia financiera actual

The company has three product lines. Grants are for specific projects and to the extent of using our resources, get compensated for these resources, thus enabling us to cover a sizeable component of our overheads. Our social entrepreneurial line relies on grants. We have developed a commercial line- microinsurance which we expect to start returning profitability by the end of 2014. This line is planned to cross subsidise the loss making/social entrepreneurial lines of the business. We are currently seekung capital injection into the company to help realise the business goals that we have set.

Reparto de la generación de ingresos del total de ingresos de la organización (en porcentaje)

50%

Ventas directas a pacientes u otros beneficiarios (en porcentaje)

50%

De las posibles fuentes de estas ventas, en la siguiente lista, marca todas las que correspondan a tu estrategia actual

Individuos, Pacientes, Empresas privadas.

Tarifas de licencia, por ej., por tecnología/ modelo de franquicia (en porcentaje)

$ 1.25 per customer registered per annum

Abajo, marca todas las que correspondan a tu estrategia actual

Fundaciones, Organizaciones no gubernamentales, Empresas privadas, Gobierno nacional.

Contrato de servicio con organizaciones, por ej. gobierno, ONGs (en porcentaje)

70%

De las posibles fuentes de contratos de servicios, en la siguiente lista, marca todas las que correspondan a tu estrategia actual

Fundaciones, Organizaciones no gubernamentales, Empresas privadas, Gobierno nacional.

Explica tu estrategia de generación de ingresos más detalladamente

On our microinsurance product we earn a net of 7.5% on each sale made. We have signed up a distribution plan with Safaricom, by developing a mobile application that is integrated to the Safaricom M PESA platform This allows us to directly market via SMS to all, Safaricom clients and to enable them to self subscribe for the insurance services.

Reparto de la generación de ingresos del total de ingresos de la organización (en porcentaje)

50% currently but planned to go down to 25% by 2014

Estrategias filantrópicas que estás utilizando

Estrategia diversificada.

Explica tu enfoque filantrópico con más detalle

We sell a subsidized maternal and family health card to needy individuals. We have the further strategy of engaging with large corporate organizations to subsidize these costs through a structured Corporate Social Responsibility program

Amplia tu selección; explica cómo mantendrás el financiamiento dentro de los próximos 1 a 3 años.

We are launching a large microinsurance programme in June 2013. The marketing and distribution costs in year one are large and a loss is expected in year 1. However year 2 is expected to realise a small profit. Year three will see a major increase in profitability as the product will have matured and efficiencies also achieved especially in the areas of Marketing and Distribution. As a result we are currently seeking an injection of equity to the tune of $1 million to help us meet the initial costs of taking the product to market.

Años de operación

Operando entre 1-5 años

¿Tu organización ha recibido premios y/u honores? Cuéntanos sobre ellos.

Kenya MDG 5 Award in 2010 for Innovation
CIO Award in 2011 for Innovative Health Technologies;
East African CHMI Award for Innovative Health Technologies;
Saving Lives at Birth Grand Challenges Grant Award;
United Nations Foundation Innovation Working Group Grant Award;

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