Center for Health Market Innovations (CHMI)

Programs

Bima ya Jamii Project

last updated Jul 11, 2012

Overview

Implementing organization: 
Cooperative Insurance Company (CIC) of Kenya
Implementation Partner(s): 
National Hospital Insurance Fund, Swedish Cooperative Centre (SCC)
Legal Status: 
Private (unspecified)
Year Launched: 
2008
Stage: 
Existing/expansion stage
Income Level of Target Population: 
Bottom 20%, 20-60% (lower to lower-middle)

Funding

Primary Source of Funding: 
Membership/subscription fees
Additional Source(s) of Funding: 
Membership/subscription fees
Funders: 
International Labour Organization (ILO) and the Bill & Melinda Gates Foundation

Technology

Technology Used: 
Smart-card

Scale

Number of Clients Served: 
The project is aims at covering 200,000 low income families in Kenya
Number of Facilities Operated/Networked: 
Medical cover at over 200 hospitals in the country
Summary: 

Bima ya Jamii is a comprehensive family medical insurance cover offering medical care to uninsured Kenyans for as little as ten Kenyan Shillings a day. The Kenyans in the program

Key program components: 

The project brings together a consortium of partners to develop, test and roll out quality microinsurance products for the low-income groups, and will provide opportunity to scale up the uptake of innovative microinsurance products to reach the working poor with the main focus being on customer education.The projects objective is to reduce vulnerability and improve the health of poor Kenyans through access to microinsurance, and develop, test and roll out accessible quality microinsurance products for the low-income groups.

The main project outputs are: a) Increase CIC’s capacity to deliver microinsuranceproducts to the target group including the development of products and internal processes.

b) Develop the capacity of delivery channels to make them efficient providers and promoters of theproduct.

c) Information and awareness campaigns to increase the understanding of microinsurnace by all members and clients of the selected delivery channels.

d) Increase expertise in microinsurance and create a platform for microinsurance product and process innovation.

Family medical insurance cover offering medical care to uninsured Kenyans for as little as ten Kenyan Shillings a day

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