Medilink International provides various medical services like emergency response and medical evacuation to corporate clients operating in remote areas. It has its largest operations in Kenya through Africa MediLink. The document discusses Kenya's healthcare ecosystem, with most people unable to afford insurance or proper healthcare. It then outlines Jawabu, a micro-health insurance provider that offers affordable coverage of KSH 11,520 per year specifically targeting informal sector workers. Key partners of Jawabu include NHIF, XPLICO insurance, PharmAccess, and Velociter Solutions which provides technical support to implement Jawabu's digital systems.

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2. ABOUT THE CLIENT
Medilink International provides a
range of medical support services to
corporate clients and their employees,
many of whom operate in austere
terrains and climates.
Medilink provides mainly critical
services such as emergency response,
medical evacuation, mobile clinics to
remote locations, leasing of 4WD
ambulances and medical equipment,
supply of medical consumables and
drugs, medical staffing and topside
support.
Africa MediLink is the biggest
Insurance Player in Kenya
Medilink KENYA’s management team is
staffed by experienced professionals
and doctors. All our managers hold
postgraduate degrees in various
disciplines and have been recruited
from amongst the best in the industry
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3. KENYAN ECOSYSTEM
Most of the
population in
African countries
do not have
insurance
Prime reason is
that they barely
manage to satisfy
their daily
requirements and
hence cannot
afford to pay
premium for
insurance
Most still cannot
afford proper
healthcare
BPL population
are the worst
sufferers
Also, in general,
Africa is an
expensive place
to live in
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4. INSURANCE SECTORS IN KENYA
TOP
LEVEL
NATIONAL LEVEL
MICRO-HEALTH
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5. MICRO-HEALTH
Health Plans for
the population
who cannot
afford such
insurance
Includes
ordinary
farmers, Matatu
conductors &
drivers, labor,
etc.
Tremendously
growing sector
for the
insurance
companies
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6. JAWABU
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VISION
MISSION
CORE
VALUES
OBJECTIVE
To be a company of choice in the provision of financial
services for Jua Kali sector in Kenya.
To mobilize funds, provide credit and other financial services
to our Jua Kali members on competitive terms.
Innovation, Integrity, Value, Fairness, Excellence.
To promote the business growth and reduce the vulnerability of poor
informal sector workers in Kenya through improved access to financial
services. The health product is specifically designed for the ordinary
Kenyans, working hard to build this economy.

7. STAKEHOLDERS IN THE PROJECT
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JAWAB U
P ROV I DER
AML XPL I CO
P HARMACCESS
NHI F

8. NATIONAL HOSPITAL INSURANCE FUND
National Hospital Insurance Fund
is a State Parastatal that was
established in 1966 as a
department under the Ministry
of Health. The original Act of
Parliament that set up this Fund
in 1966 has over the years been
reviewed to accommodate the
changing healthcare needs of the
Kenyan population, employment
and restructuring in the health
sector.
The transformation of NHIF from
a department of the Ministry of
Health to a state of corporation
was aimed at improving
effectiveness and efficiency. The
Fund's core mandate is to
provide medical insurance cover
to all its members and their
declared dependants (spouse
and children). The NHIF
membership is open to all
Kenyans who have attained the
age of 18 years and years and
have a monthly income of more
than Ksh 1000.
NHIF has 31 fully autonomous
branches across the country.
Each of these branches offers all
NHIF services including payment
of benefits to hospitals or
members or employers. Smaller
satellite offices and service points
in district hospitals also serve
these branches.
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9. XLPICO AND PHARMACCESS
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XPLICO are a specialist Insurance Company set up to underwrite current challenges
and the ones to come .
XPLICO provides insurance solutions to the SME sector in Kenya and the wider
East African region.
XPLICO challenges convention in our specialist areas to offer market leading
products and services to its customers.
Xplico covers all classes of insurance from hotels, properties, entertainment,
sports and artists risks as well as marine, aviation and industrial risks.
All risks are underwritten from XPLICO new refurbished office situated at Park place
in which we have state of the art technology.

10. PHARMACCESS
The
PharmAccess
Group is
dedicated to
affordable
access to quality
health care in
Africa, by
stimulating
investments
through
partnerships
with the private
sector and
government
institutions
This group of
non-profit
organizations
has a shared
goal, working
towards
achieving
inclusive health
care for Africa
In doing so, it
contributes to
healthier
populations and
social and
economic
development.
It is technical
assistance
provider to
Jawabu and
does probability
analysis of the
revenue and
other
calculations
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11. How Jawaba Contributes?
Provides insurance at a low cost – just 11520
Kenyan Shillings
Helps the people acquire loan and financing for
the premium amount
Negotiates with providers and keeps them in
check that they refrain from charging
unreasonably
Generally insurance plans do not cover for out-
patients, but Jawabu does
Performs quality checks on hospitals
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12. DISTRIBUTION OF 11520
11520
Total
5600
Health Wallet
5920
Remaining
1920
NHIF
2600
XPLICO
2200
Risk Pooling
400
Out-Patients
1400
Marketing &
Admin
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13. DETAILS
• It is contributed to the ‘health wallet’ which is a medical savings account.
• It covers not just the regular hospital expenses but also pharmacist, optician, doctor
consulting fees, etc.
• Unused amount is refunded back5600
• It is contributed towards the NHIF
• NHIF is optional for informal sector
• Jawabu aims at providing the benefits of the NHIF to the informal sector as well.1920
• It is paid to XPLICO.
• Out of this, 2200 is used for in-patient wherein XPLICO will cover surgery upto 15000.
• Also, it will cover upto 50000 in case of death and funeral costs
• Remaining 400 will cover upto 3500 for out-patients.2600
• 60% goes towards marketing activities
• 40% goes towards administration expenses like managing the project, stakeholders,
etc.1400
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14. THE PROCESS
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J A W A B U
P l a n d e t a i l s
FILL
FORMS
ACTIVATION
NHIF
BANK
FINANCING
Sales Agent
The principle member

15. THE PROCESS CONTD…
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The Family principle member
Pay with M PESA
KSHS 11,520
KSHS 2,000 *
Paybill no:
<number>
Ref no:
< Form no >
OR
Various payment option, FULL premium
*Minimum Payment & remaining subject to bank financing
Regional Office Jawabu Admin Office
Data is entered into the AML
system & the forms/ ID doc/
photos are scanned

16. THE PROCESS CONTD…
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Jawabu Admin Office
Insurer

17. THE PROCESS CONTD…
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Jawabu Admin Office
ID card
ID card
MANUAL, FAQ,
Welcome Letter
Regional office
Welcome Pack
Sales Agent
Member

18. HOW WE HELPED?
Provided the
technical support to
Jawabu to implement
this project
Storing of data of
all applicants
Automating
processes
Faster transactions
and improved
efficiency
Increased security
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19. Thanks
Velociter Solutions Pvt. Ltd.
Website: www.velociters.com
Email ID: sales@velociters.com
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