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Bringing Health Microinsurance to Kenyans via Mobile Phone

Kenya-based pilot that bundled hospital cash, digital loans, and mobile health tools to increase access and affordability. MicroEnsure piloted Fearless Health by combining hospital cash benefits with mobile-enabled digital health loans to support underserved Kenyan populations.

IFC Inclusive Business Case Study: MicroEnsure

MicroEnsure bundled insurance with mobile loans and airtime in 15 countries. By 2016, this model had scaled to reach over 40 million clients and included 200+ insurance products. It illustrates a high-impact approach to mobile-enabled microinsurance delivery with large-scale outreach.

Making climate risk microinsurance work. Case Study: Kenya Agriculture Insurance Program (KAIP) with APA, Kenya

Information on the Kenya Agriculture Insurance Program developed in partnership with APA Insurance. The overview includes pricing structures, government subsidy mechanisms, challenges in implementation, delivery models, and overall performance metrics. The case outlines key lessons learned from executing a national climate risk microinsurance scheme in a Sub-Saharan African context and provides insight into scaling agricultural resilience through public-private collaboration.