Kenya Community Based Health Financing Institution (KCBHFA)
Country of Operation
SummaryKCBHFA offers several non-profit insurance schemes for the informal sector. Members pay small premiums on a regular basis to offset the risk of needing to pay large healthcare fees upon falling sick.
Unlike many insurance schemes, KCBHFA schemes are based on the concept of mutual aid and social solidarity. Thus the schemes are designed by and for people in the informal sectors and low income population. Membership is voluntary.
Key program components
KCBHFA offers five different benefit packages to nine member schemes. Members of local community organizations such as microfinance organizations are eligible to join KCBHFA. The nine organizations are Western Region Community Services, CORAT Africa, Tropical Institute of Community Health, Christian Health Association of Kenya, International Centre for Development and Research, Eldoret Christian Community Services, Inter-Diocesan Christian Community Services, Jamii Bora Trust, and Support for Tropical Initiatives in Poverty Alleviation. KBCHFA offers five different benefit packages according to the premium amount contributed by members. For example, a comprehensive package with all inpatient services costs Kshs 3,500 (US $40) per member. Scale: 170,000 member from nine community-based health insurance schemes.
Core businesses are to:
1. Provide technical support to member organizations and key stakeholders for the promotion of community based health financing initiatives
2. Coordinate member organizations at the national level
3. Advocate for community based health financing, and
4. Undertake research in community based health financing