Country of Operation
- AAR HealthcareFor-profit
- K-Rep bankFor-profit
SummaryThe Afya Card was a family-based health plan that provided basic healthcare to low-income families. The card offered both comprehensive and in-patient-only coverage for AAR’s facilities. About 80% of clients used the Afya loan offered by K-REP Bank and AAR Credit to finance their premiums.
Disease and illness are the most important of all emergencies faced by poor households. However, the poor are excluded from services offered by quality health care providers because of affordability issues. The Afya aims to contribute towards quality, accessible and affordable health care and health care financing services for the low-income groups.
Key program components
Three different variants of the Afya Card product were offered to clients. Two covered in-patient care only. The third product provided comprehensive in-patient and out-patient care. Key program components: Afya Card is a pilot project of the Africa Air Rescue (AAR) Health Services, K-Rep Bank and K-Rep Development Agency to implement an inpatient and outpatient health plan for low income individuals that cost as low as Sh6,000 (USD $71) per person per year.
The pilot test ran from January 2003 to April 2004 and was funded by the Department for International Development (DfID). The consortium combined the
the expertise of AAR on healthcare financing with that of K-Rep in working with low income households to develop the healthcare financing package for low income people in Nairobi. Clients joined the healthcare financing scheme by paying an annual membership fee, which gave them access to health services from AAR-accredited franchise health centres.
To assist low income clients in making the lump sum payment, K-Rep Bank and AAR Credit offered loans to finance these membership fees.