Changamka Microhealth : Using mobile technology and mobile money to deliver insurance to the uninsured
Example: Walk us through a specific example(s) of how this solution makes a difference; include its primary activities.
Impact: What is the impact of the work to date? Also describe the projected future impact for the coming years.
Spread Strategies: Moving forward, what are the main strategies for scaling impact?
Financial Sustainability Plan: What is this solution’s plan to ensure financial sustainability?
Marketplace: Who else is addressing the problem outlined here? How does the proposed project differ from these approaches?
Founding Story
BI can bring:
-Expertise in Cardiovascular disease, Stroke, Diabetes, COPD, Cancer
-Existing network of specialists, physicians and pharmacists, many of whom are recognized thought leaders
-Contact to academia & scientific associations
-Consulting expertise in stroke management, rehabilitation and accreditation of stroke centers
-Expertise in preventional & health awareness campaigns
-Expertise in drug supply & medication adherence solutions
-Expertise in Epidemiology & measuring health impact
-Network of potential partners in the healthcare space
-Network of Community Health workers via NGOs & social netrepreneurs, as potential point of customer contact & sales
-Ability to adapt & scale a solution to other markets
Research and Development, Specific Disease Expertise, Relationships/New Contacts, Marketing/Communications Support, Human Resources, Access to Capital.
Expertise in Cardiovascular disease, Stroke, Diabetes, COPD, Cancer
Existing network of specialists, physicians and pharmacists
Contact to academia & scientific associations
Consulting expertise in stroke management, rehabilitation and accreditation of stroke centers
Expertise in preventional & health awareness campaigns
Expertise in drug supply & medication adherence solutions
Expertise in Epidemiology & measuring health impact
Network of Community Health workers via NGOs & social netrepreneurs,
Deep understanding of an unmet need in a specific market/context, Access to and established trust with customers/beneficiaries, Insights into pricing and financing of health products/services, Insights into marketing, Insights into distribution, Insights into behavior change.
Improving the affordability of healthcare (e.g., microinsurance, reducing the economic cost of care), Models that engage other industry players (e.g., nutrition, athletic, mobility organizations)., Packaging of health products and services to address needs currently unmet.
We are proposing to co-create with BI a holistic micro-insurance package for 6 critical chronic illnesses (stroke, heart attacks, heart surgery, cancer, neurosurgery, organ transplant), targeting low-income “tier 2” patients in Kenya earning approximately 5 USD/day . BI and Changamka would leverage Changamka’s developing partnership with the Munich Re group which would play the role of primary insurer and reinsurer and leading MNO, Safaricom. Changamka would oversee the client intake and management process, Safaricom would bring its client network and MPESA payment platform, BI would bring its complementary disease expertise to build out additional value-add products & services around awareness, prevention and management for the critical 6 illnesses.
a new product, a new market/customer group.
A holistic health insurance package focused on the most critical chronic illnesses targeting low-income communities in Kenya, co-created with the complementary assets of a social enterprise, Mobile Network Operator, pharmaceutical company and global reinsurance company.
Changamka’s mission is to use technology to deliver affordable, accessible healthcare to the millions excluded from formal health systems. The core of the proposed solution is an affordable health insurance
It links to several of BI’s priority therapeutic areas, mainly stroke, and conditions related to stroke. It provides BI with access to a new market and customer group, specifically in a priority market under BI’s Africa Strategy. It provides an opportunity for BI to explore the packaging of products and services around chronic disease care. It extends BI’s current partnerships to the reinsurer space.
○ My organization will contribute:
- The Technology platform on which the product will run
- The product administration comprising:
- Customer call centre
- Set up of medical provider network and management thereon
- Market expertise based on experience in working with low income populations in Kenya
- Partnership coordination between Munich Re, Safaricom and BI
- A strong multi skilled team
○ Boehringer Ingelheim will contribute:
- Disease expertise on stroke and other NCDs
- A network of specialists that could serve for referrals and advisors
- Development of value-add disease prevention and management tools (as part of insurance package)
- Linkages to referral partners
The product charges premium for each subscriber, with the premium levels graduated by age group. Munich Re actuarially determines a Net Risk Premium (NRP). This NRP is the amount required to cover the cost of risk. To this NRP is a loading factor to cover administration, marketing and profit to get a Gross Premium. The partners share the loading component based on agreed objective criteria.
Partnership risk which could materialize should any of the collaborating parties fail to honor their obligations. The product will be delivered through a mobile telephone provider network, and in collaboration with an insurance underwriter and pharmaceutical. Given the inherent diversities, there is need for commitment and alignment for success and scaling.
Product risk, which could materialize, should the scale-up project fail to capture the interest of the market as projected in the product budgets. This would be overcome by implementing an elaborate marketing strategy and feedback loop supported by all the parties in the program.
Huge potential to co-create with other Ashoka Fellows working in the health care space, such as MicroClinic Technologies, Riders for Health, Medic Mobile and Access Afya, among others.
I’d like to implement together, other (Please explain below).
I'd like to design together
● Referral partners that are working closely with the communities we want to serve
● Specialists to provide second opinion on contentious diagnoses
● A reliable logistics partner to receive and upload claims documentation
● Advertising and marketing agency to design and execute communication strategy
● A Monitoring & Evaluation partner
● A call centre to provide 24/7 interactive customer engagement
● The Mobile Network Operator to provide:
- Connectivity
- Mobile money payments
- Cloud for data storage