Making Health Insurance Accessible From the Palm of Your Hand

For Internal Use Only.

Please Do Not Distribute Without Permission.

Zuri Health is an outpatient microinsurance product in partnership

between the MOH, NHIF, & AMPATH

Technology-Driven
to Lower
Cost-to-Serve

Incentives to Boost
Willingness-to-Pay
Million a Month Account

And a Health
Delivery Partnership
That Demonstrates
Value

For Internal Use Only.

Please Do Not Distribute Without Permission.

A model to
make health
insurance
accessible for
the 30 million
people without
coverage in
Kenya.

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The Traditional Western Insurance Model

Primary

Spouse

Child
Child

Child

For Internal Use Only.

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The Traditional Kenyan Support Model

For Internal Use Only.

Please Do Not Distribute Without Permission.

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The Traditional Kenyan Support Model

Anne

Grandma

Gardener

Uncle
Daughter

Grandmas
sister-in-law

Uncles
kids

Gardeners
kids
For Internal Use Only.
Please Do Not Distribute Without Permission.

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Registration and Payment Entirely Over Your Mobile Phone

Dial *384*222# to
Join a Health Plan
Pay Your Premiums
Cover People Who
Depend on You
Win Prizes

For Internal Use Only.

Please Do Not Distribute Without Permission.

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Access The Care You Need With Only Your Fingerprint

Biometric Authentication:
No more cards
Outpatient Cover To Keep You
Healthy:
Prevention & Screenings
Chronic Disease Management
Maternal & Neonatal Child Health
Group Care Services We Bring
Care to Your Doorstep
Episodic Outpatient Care
Dispensary and Rural Health Centre
Services Covered:
Outpatient Consultations
Diagnostic Investigations
Pharmacy and Non-Pharm
Supplies
For Internal Use Only.
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Care At Your Doorstep, Or At The Facility Nearest You

Tier 2, 3

Tier 2

Tier 1

Care
Benefits

Preventive Care

Group Care
Options

Drugs, Supplies, &

Consultations

All Available MOH Services

New Zuri Health Revolving
Already Covered Through
Fund Services Supporting
Ministry of Health
MOH
Screenings / Diagnostics for:
Malaria
Blood pressure
Blood sugar
FP
Deworming (under 5)

General education and sensitizations

Immunization campaigns
Health action days
Community-based rehabilitation

Treatment for:
Diabetes
Hypertension
MNCH

Immunizations
VCT
Preventive commodities

Emergency obstetric care

Overnight stays
Day surgeries
Immunizations
HIV treatment
VCT & pMTCT
TB

Treatment for Top 10 Diseases, Including:

Basic obstetric
Pneumonia
care
Malaria
Referral
Respiratory tract
services to
infections
higher tiers
Diarrheal
within network
Venereal
TRAs/STIs
PUD
Skin infections

For Internal Use Only.

Please Do Not Distribute Without Permission.

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Access Care At The Facilities Nearest You

Partnering with Busia County
Ministry of Health as pilot
catchment
Leadership with strong vision
A history of partnership and
collaboration

Pilot Network A:
Teso North (Kocholya)
District Hospital
Malaba Dispensary
Pilot Network B:
Port Victoria District
Hospital
Mukhobola Health
Centre
Expanding Network to
Eight Counties in Western
Kenya

B
For Internal Use Only.
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Zuri Health Benefits Summary

Registration :
Dial *384*222# to Register (click here for video demo)
Premium :
100 KSh per person per month
Waiting period : 60 days. No penalty if missed payments, but waiting period
restarts.
Benefits :
Outpatient Cover:
At the Home:
Prevention and Screenings
Group Care Near Your Home
At the Facility:
Acute Care
Pharmacy
X-Ray, Labs
Dispensary & Rural Health Centre
Inpatient Cover:
None
Options Available for NHIF Inpatient Cover as Add-On
Anyone can be covered : Does not have to be your family. Organizations can
sponsor coverage as well.
Members can win prizes : Cash and in-kind incentives for paying members
through Zuri Points, 100 points for every 100 KSh paid.
For Internal Use Only.
Please Do Not Distribute Without Permission.

10 |

Initial Response Since Launch June 6th 2014

515 primary members enrolled in first two weeks.
= 2,000 covered lives enrollment in first 2 sites alone in first two
weeks Port Victoria and Mukhobola.
Second launch in Malaba and Teso North expected within the
next quarter.

For Internal Use Only.

Please Do Not Distribute Without Permission.

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