Center for Health Market Innovations (CHMI)

Programs

Afya Milele Halisi

last updated Sep 27, 2011

Overview

Implementing organization: 
Eagle Africa Insurance Brokers
Legal Status: 
Private (for-profit)
Stage: 
Existing/expansion stage
Income Level of Target Population: 
20-60% (lower to lower-middle)

Funding

Primary Source of Funding: 
Membership/subscription fees

Technology

Technology Used: 
Phones, Smart-card
Technology Partner(s): 
M-PESA

Scale

Other Measures of Scale: 
Network of 100 hospitals and clinics across Kenya
Summary: 

The Afya Milele Card provides affordable medical insurance cover to lower and middle class Kenyans.

Program goals/rationale: 

Most Lower and middle class Kenyans cannot afford expensive treatments for healthcare, especially chronic diseases and specialized HIV/AIDS treatment.

Key program components: 

The insurance provided by the Afya Milele card can cover up to 4 members of a family for as little as Kshs. 35/- per day. Subscribers can pay either monthly or annually and can pay their premiums using mobile money transfers, cash transfers or bank transfers.

The insurance provides a cover of between Kshs. 50,000 and Kshs. 300,000 for:

  • Maternity costs
  • All doctors' fees
  • Bed & meal charges
  • X-ray & laboratory costs
  • All prescribed drugs & dressing
  • Intensive care unit (ICU) charges
  • High dependency unity (HDU) charges
  • Treatment of chronic & pre-existing medical conditions
  • HIV & AIDS

One must be a registered and contributing member of National Hospital Insurance Fund to enroll.

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