Center for Health Market Innovations (CHMI)

Programs

KNCU Health Plan

last updated Jun 14, 2012

Overview

Implementing organization: 
Kilimanjaro Native Cooperative Union (KNCU)
Implementation Partner(s): 
Strategis Insurance Limited
Legal Status: 
Year Launched: 
2011
Stage: 
Existing/expansion stage

Funding

Primary Source of Funding: 
Membership/subscription fees
Summary: 

KNCU Health Plan employs a partner-agent model with underwriting by Strategis Insurance Limited. The target population are coffee farmers and their families of the Kilimanjaro Native Cooperative Union (KNCU).

Key program components: 

The KNCU Health Plan offers affordable health care to the members of KNCU and their dependents. The KNCU members in each Primary Society will vote on whether they want to adopt the KNCU Health Plan. If a Primary Society votes in favour of the KNCU Health Plan, all members in that Primary Society and their dependents living in the same house must be enrolled.

The KNCU Health Plan covers a primary healthcare, limited secondary care for chronic diseases, such as diabetes, hypertension, asthma, arthritis, rheumatism, maternity care such as delivery and caesarean section, and neonatal care for first 30 days after birth.

The premium for the KNCU Health Plan is 40,500 Tanzanian shillings (about US$ 25) per person per year (medical and administration), but the product is subsidized. Each member pays 12,000 TSh per year (US $7.50).

KNCU pays the membership contribution upfront and is then reimbursed by the Primary Societies who collect the individual contributions from members. Individual’s membership contribution can be deducted from coffee sales or paid in cash to the Primary Society secretaries.

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