Little Ride Kenya has launched the first Health Insurance covers for its drivers in the Kenyan market in partnership with APA Insurance and MicroEnsure, a leading provider of micro insurance in emerging markets.
The cover will cater for costs such as payment of their medical bills, transport to hospital, compensation for lost income, in addition to cover for funeral expenses.
Little Ride drivers who are unable to work due to being hospitalised claim a daily benefit of up to Sh2,000(US$19.41).
In addition, the product also covers up to Sh50,000(US$485.20 ) personal accident benefit and funeral expenses up to Sh50,000 upon death of the insured.
Speaking during the official launch of the automated insurance solution, APA Chief Executive Officer, Catherine Karimi said:“Through our partnership with MicroEnsure and Little Cab, APA Insurance is bringing affordable healthcare and funeral cover to Little Cab drivers. By offering access to these services, we improve the lives of the drivers and their families and reduce the overall healthcare costs for everyone. APA Insurance is committed to providing affordable insurance to all income groups in Kenya.”
All claim benefits are paid to the beneficiary’s mobile money wallet.
“We are delighted to be partnering with Little Cab and APA Insurance to further MicroEnsure’s mission of providing innovative, ground breaking insurance solutions to the mass market across Africa with products and services that have the power to truly transform and improve lives,” said Kiereini Kirika, MicroEnsure, Regional Director, East Africa.
As a way of promoting the global agenda of Universal Health Coverage (UHC), the cover offers Little Cab drivers the freedom to visit any of the over 4,000 NHIF accredited hospitals and clinics across the country, to easily access medical care.
“This product does not only provide insurance benefits, but also offers simplicity for the drivers who are always mobile. With just a single tap, drivers can enrol onto the product and also submit a claim using the Driver App,” said Alex Mwaura, GM – Little Cab.
“This is part of Little Cab’s commitment to help our drivers to improve and safeguard their health and wellbeing, as well as that of their family members. With an affordable premium and fully automated process, this partnership gives our drivers convenience and a peace of mind that they have coverage at all times.”
The insurance programme is being rolled out nationwide and will be available to all Little Cab drivers in Kenya and soon to be rolled out across East Africa.
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APA Insurance is part of the Apollo Group, one of the leading insurance groups operating in East Africa, providing a broad array of insurance solutions across Kenya, Uganda and Tanzania.
APA is one of Kenya’s largest non-life insurers and provides access to motor, liability, agriculture, property and health insurance as well as a unique range of micro-insurance products.
MicroEnsure on the other hand is a global leader in the provision of insurance for the mass market, with more than 60 million customers across Africa and Asia. As an InsurTech with more than 17 years of operation, MicroEnsure designs, implements and operates products that address a range of risks faced by low-and-middle income consumers, including risks related to life, health, assets, accidents and political violence.