Mobile in Kenya
MicroEnsure's Fearless Health in Kenya demonstrates bundling's potential. Over 50 million people in 15 countries use MicroEnsure. Through relationships with mobile network carriers, the firm offers many consumers free life, accident, and hospital insurance through cell phone. These models only address catastrophic demands, not customers' day-to-day risks. Fearless Health blends insurance with other goods to assist clients’ access inpatient and outpatient care without postponing treatment due to expense. mobile application in kenya The Fearless Health pilot launched in 2016 with three key features: on-demand loans for primary healthcare at outpatient clinics, medical advice by phone (customers text their health questions by SMS and receive a call from a doctor), and insurance for inpatient care that pays out if a customer or family member needs three or more nights in a hospital. MicroEnsure kept prices low by limiting insurance to inpatient treatment and offered loa...