Updated May 27, 2020

Zuri Health Mobile Insurance for Informal Sector Workers. 

Part of Moi Teaching & Referral Hospital

http://www.ampathkenya.org

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Increasing adoption of health insurance among low-income Kenyans.
How does your innovation work?
We tightly integrate both the health service delivery and the health financing solution into a benefit package targeted to community-based levels of care (community, dispensary, and rural health center). We believe this emphasis on a community-based care benefit package, and working closely to...
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Increasing adoption of health insurance among low-income Kenyans.
How does your innovation work?
We tightly integrate both the health service delivery and the health financing solution into a benefit package targeted to community-based levels of care (community, dispensary, and rural health center). We believe this emphasis on a community-based care benefit package, and working closely to support lower-tier health facilities, directly targets the bottom of the pyramid that many health insurance solutions do not reach.Our entire health financing stack is mobile-based, including payment, enrollment, authentication, account management, and communication functions. The solution accessible over any mobile phone.We have seen lots of evidence of prize-linked financial services products within the banking sector; however, we have not seen these features bundled with risk products such as health insurance. We believe creating a ‘prize-linked insurance’ produce addresses the problem of adverse selection and incentives for low-income markets in Kenya.
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Stage 2: Research & Development

We target low-income households without health insurance coverage, who rely on their local government health facility for the majority of their healthcare needs.
Registered in Kenyain Kenya

Focus Areas:

Economic Growth and Trade, Health and Social & Micro Finance

Economic Growth and Trade, Health and Social & Micro FinanceSEE LESS

Implemented In:

Kenya

KenyaSEE LESS

1
Country Implemented In
$100,000
Funds Raised to Date
Verified Funding
?

Planned Goals and Milestones

The primary short-term objective of this project is to establish proof of concept for feasibility and acceptability of the Zuri Health insurance product. Specifically, we will address the following questions: • Is there willingness to pay for outpatient, mobile-first product, and what level of uptake will we see within the target population for an outpatient insurance plan? • What level of utilization will we find for enrolled Zuri Health members? What proportion of health care expenses can be covered by this health plan? • What impact will a lottery prize incentive increase on uptake, retention, and utilization rates? If successful, we plan to scale this innovation with and through existing public sector institutions. Our partners in this project are the Kenyan Ministry of Health and National Hospital Insurance Fund.
We are using this grant to evaluate the acceptance and feasibility of our insurance product and benefit package for outpatient government health services. We are also testing the impact of lottery-like incentive product features toward adoption of insurance and utilization of health services.

Milestone

Date Unknown
Created
Date Unknown
New Country Implemented In
Kenya