To provide microinsurance plans, ISSA uses a network of doctors working in hospitals, clinics and medical centers and then integrates a network of pharmacies, clinical laboratories, and X-ray services. ISSA has developed a web platform to administer health services, where all coverage is included in a Health Plan (Microinsurance Health) and loans are organized through the use of Clinical Practice Guides. The web platform provides these guides to all lenders through the use of cloud computing, which permits the management of distinct health plans for a variety of market segments.
Peruana de Gas Natural (Peruvian National Gas), a chain of natural gas stations which, in alliance with a life insurance company, La Positiva Cia de Seguros de Vida, designed a benefit plan for Lima’s taxi drivers who use natural gas for their day-to-day work. Affiliates of Club PGN receive a magnetized card which, when used each time gas is purchased at one of their stations, registers each amount to their account. If the taxi driver purchases 250 mt3 of gas a month, they will receive free health and life insurance. At the end of the month, Club PGN sends an electronic list of taxi drivers who reached their sales goal to ISSA, who are then responsible for the administration of it on their web platform to provide services at any of the 100 affiliates forming part of their network.
The plan provided to taxi drivers covers 100% of medical appointments and medications, 50% of lab exams and X-rays, 100% of a medical telephone hotline and second opinions for complex cases, and life insurance. To access services, the insured solicit an appointment with the Call Center, which registers the appointment in the doctor’s agenda and sends an e-mail alert. The secretary approves the patient, and the doctor accesses the system to complete an Electronic Clinical History and registers the diagnosis and prescriptions online. The insurance company sends Club PGN a bill for the amount resulting from the multiplication of the number of insured by the agreed-upon price. Upon receipt of payment, the Cia de Seguros proceeds to pay a portion of this amount to ISSA, who in turn pays doctors, pharmacies, and laboratories for services rendered.
During the first 6 months of operation Club PGN received 30,000 affiliates. This provided PGN with both an important source of sales and an opportunity to achieve their social responsibility goals. Currently these insurance services are only available to taxi drivers; however, the ultimate goal of Club PGN is to provide health services to taxi drivers and their families.
