Changamka

Changamka was founded on the belief that Mobile Technologies can be leveraged to improve the demand side financing initiatives to improve access to healthcare for the lower economy, under served populations in the developing world. This coincide with the establishment of MPESA in Kenya. The leading causes of maternal mortality in Kenya, as in many... developing countries, are Postpartum Hemorrhage and preeclampsia. Only 42% of Kenyan women have delivery at a medical facility while the figure is only 27% in Western Kenya Province for which reason these women are heavily exposed to the leading causes of maternal mortality. This exposure can, arguably, not be addressed outside a medical facility and it is therefore critical to provide access to facilities and appropriate interventions within the facility. Life-threatening complications during labour and delivery are often unpredictable and unpreventable. All pregnant women must have access to skilled care at birth and a guarantee that basic or emergency obstetric care services are accessible when needed. Over the years insurance companies in Kenya have matured and currently offer various payment mechanisms to the provider, including fee-for-service (either directly to the provider or reimbursement to the patient), diagnostic related groups (DRG) fixed payments and capitation. The employed population of Kenya is the members of private covers of different types. It is estimated that out of Kenyas total 2 million formal sector workers at least 800,000 have a medical cover with the private insurance firms. This contribution is over and above the legal mandated fees payable to NHIF. The health insurance coverage is however estimated at only 8% of the overall formal population and another 40% will have some form of self funded scheme to cover their health related costs. Distribution of these products is mainly done by brokers and registered agents. Commercial Banks have also recently started offering the products via bank assurance as well as providing facilities for ...Read More