Explain what the "innovation" is about, e.g., is it the idea and/or the model you use to accomplish the idea, or your understanding of the target population, etc.?
ANAYRIS is a startup still in the idea fase, ANAYRIS is actually a health Mutual Solidarity Fund - to be more specific; a prepaid micro health insurance system via mobile phones . The idea is to insure the uninsured people, most of the times those are also the unemployed ones. A person will only need to have a mobile phone and the person can be automatically a member of the fund.
Describe how your innovation model is distinct from any other organization in your field?
In Africa there are many mutual health associations , many work together with health care services. Eeach member has to contribute by paying a low fee, but some people don't even have that. By using ANAIRYS,, the members will not have to think about where to get the money to participate, once they have a mobile phone and they buy refill cards then they are automatically members. The health fund will cover for the treatment of the ones who participate and put money into the health fund. How? The person has to give his mobile number to the health fund and accepts that each time he buys a prepaid refill card to refill the minutes on his mobile phone 5% will be automatically saved into the health fund. For every 5% , 1% will be the cost the subscriber is paying to be insured.
What type of operating environment and internal organizational factors make your innovation successful?
Many Africans have a hard time investing in their health, they think that putting money aside for health insurance is a waist of time especially when they have a family to feed and other things which they think are more important. So I decided to combine an every day gesture ( refill the card of your mobile phone ) with health insurance. Refilling is something Africans do almost every day, it is automatic, so if we take advantage of that and use it to help them save for their health this will help them a lot and they will not even notice that they are giving money away to insure their health so that it won't feel as a waste of time. This is a win-win situation. This very small amount can save their lives.
How do you make sure you constantly innovate in light of (potential) external challenges, or your growth plan?
First of all we will need investment from investors, second of all we need to work together in partnership with a mobile phone company. This will be our biggest challenge: find a national mobile phone company who will be willing to work with us.