linda jamiiPress Release: Tuesday November 27, 2012… Leading integrated communications provider Safaricom Limited has partnered with leading insurer Britam, Changamka Microhealth – one of Kenya’s pioneering mobile Health Financing technology providers and PSI, a leading global health organization to launch Linda Jamii, an innovative and affordable healthcare insurance option. Targeted at more than 35 million uninsured Kenyans, the Kshs.12, 000 per Family premium cover will provide clients with access to a comprehensive medical cover comprising in and out patient cover, maternity cover and a hospitalization income replacement benefit of Kshs.500 per day, to take care of lost income while in hospital. The premiums are payable in installments via MPESA, with quality healthcare  being available after accumulating  Kshs. 6,000 and  the balance being saved in a premium deposit facility on the user’s mobile phone.

Speaking at the launch event, Britam’s Group Managing Director Benson Wairegi said the health services will be offered through leading public and mission hospitals where starting from when the deposit is paid., families will thereafter have up to six months to pay the difference, for the annual cover.
“A majority of the families we are targeting have little disposable income and are therefore not able to raise enough money to get a health insurance cover, given the payment options available. The downside is that these are the same families who delay seeking health care, making treatment more complicated and therefore expensive in the long run, “ he added.
Linda Jamiiwill offer inpatient and outpatient covers for a family of two parents and an unlimited number of children, and will cover HIV and other pre-existing conditions. It will also cater for funeral expenses in the unfortunate event of the death of those insured.
Safaricom’s Chief Executive Officer, Bob Collymore said Linda Jamii is yet another innovative proposition that demonstrates the convenience that M-PESA affords customers. He explained that lack of adequate healthcare coverage entrenches poverty among a majority of Kenyans.
Linda Jamii is a timely product at a time when cancer, diabetes and other potentially expensive illnesses are on the rise. It is worrying that more than 35 million Kenyans are still not able to access timely and quality healthcare because most insurance products are designed to suit high income earners,” he noted.
“With over 15.2 million customers already using M-PESA, “ Collymore added, “we believe that we can help boost initiatives aimed at helping raise a generation of health Kenyans who will be instrumental in helping achieve the objectives of Vision 2030”.
Changamka has installed an end to end internet based electronic platform which is hosted on the Safaricom cloud; and with the capacity to manage more than 100 million insurance policies. The technology enables users to save little by little using MPESA until the required threshold is reached.
The product is an innovation that enables individuals register on a mobile phone, thus tackling the age old problem of distribution of Microinsurance products. In addition healthcare services are provided on either a computer or an internet enabled mobile phone
About Safaricom Corporate
Safaricom provides a comprehensive range of services under one roof. This includes mobile and fixed voice and data services on a variety of platforms. With annual revenues in excess of Kshs 100 billion, it is Kenya’s widest 3G network with a growing fibre optic cable footprint and its most expansive WIMAX presence.
Safaricom pioneered commercial mobile money transfer globally through M-PESA, the most successful such service anywhere in the world.  Launched in March 2007 as a money transfer service, it now has over 15 million customers and over 37,000 Agent outlets countrywide.
About Britam
Britam is a leading financial services brand distinguished by its reliability, quality of services and distinction. The group provides insurance, retirement benefit, asset management and property solutions through subsidiaries operating in East Africa.  It was the first and only insurance company to attain East African SuperBrand status in 2009 and has maintained East African SuperBrand status in the 2012 awards.
British-American Insurance Kenya is a composite insurer with top tier market share, profitability and assets. It is the leader in the Long term insurance market segment and has won the AKI Company of the year award consecutively since 2007. The company is a leader in Microinsurance having issued over 2 million insurance covers and attracted an ILO Microinsurance grant in 2009. It has also registered tremendous growth in the Short term segment.  British-American Asset Managers is the leading Fund Manager and Unit Trust business in Kenya. Other subsidiaries in the Britam group include Britam Insurance Uganda and Britam Insurance South Sudan.  
About PSI
PSI is a leading global health organization with programs targeting malaria, child survival, HIV, reproductive health and non-communicable disease. Working in partnership within the public and private sectors, and harnessing the power of the markets, PSI provides life-saving products, clinical services and behavior change communications that empower the world’s most vulnerable populations to lead healthier lives. They also run the 260+ Tunza franchises of health providers, some of whom will provide services for Linda Jamii.
About Changamka
Changamka Microhealth Ltd (Changamka) is an integrated Health Finance company, set up to provide financing mechanisms for the delivery of affordable healthcare to the low end of the market using appropriate, innovative technologies. These technologies are primarily mobile phone and smart card based and now includes mobile data capture and electronic data management capabilities.  It is registered as a Medical Insurance Provider (MIP) under the Insurance Regulatory Authority (IRA); and is the recipient of several awards and grants including the Saving Lives at Birth grant; the Innovation Working Group (IWG) grant and the ILO Microinsurance grant. Changamka was the winner of the MDG 5 innovation award for Kenya in 2010.