KenyaCategory
Product & Service InnovationKeyword
Health insurance, ESG & SustainabilityBusiness Line
Health InsuranceDistribution Channel
Agents, Bancassurance, Brokers, Online / Direct, Partners
Innovation presentation
ShwAARi reimagines traditional health insurance by offering greater flexibility, accessibility, and digital convenience. Unlike conventional plans with multiple sub-limits, ShwAARi provides a single, adaptable limit that members can use across inpatient and outpatient services within an extensive network of trusted providers. This customer-centric approach gives members control over how their coverage is used, removing complexity and rigidity.
Target Customers: Individuals, families, students (up to 25 years), self-employed, and small groups (up to 15 members).
Key inclusive features include:
No sub-limits on inpatient benefits
Minimal waiting periods (none for groups above 15)
Flexible premium payment options
Minimal exclusions for broader coverage
Wellness programs promoting preventive care
Broad age eligibility (birth to 100 years)
Access to emergency evacuation, ambulance services, and a wide provider network
Digital innovation is embedded throughout. Product information is accessible via digitized brochures and QR codes, while the My WakalAAR Agent Portal enables agents to provide instant quotations, manage clients, and streamline onboarding. Multi-channel integration with Facebook, Instagram, LinkedIn, and WhatsApp enhances access and responsiveness. Claims processing is further optimized through a partnership with MTIBA, ensuring faster, seamless service delivery.
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