Mobile Insurance: A Preliminary Implementation Partnership Approach for Success for Linda Jamii Health Cover in Kenya Micro-Insurance Sector

Abstract

The purpose of this study was to investigate factors that lead to the successive implementation of mobile insurance in Kenya. The study specifically sought to understand how various objective variables affect the implementation of mobile insurance in Kenya, that is: To investigate the impact of technology on implementation of Linda Jamii health insurance cover, to establish the effect of human resource capacity on Linda Jamii health insurance cover, to investigate the impact of open policy on Linda Jamii health insurance cover and to determine the impact of cost on Linda Jamii health insurance Cover. The Scope of the study was Safaricom Ltd, Britam Insurance and Changamka companies, from which the study adopted the survey research design because not much study had been carried out on mobile health insurance in Kenya as a scheme under micro insurance. The study used desk research, secondary data evaluation and internet. The data was analyzed and presented through use of descriptive analysis, thematic and content analysis. The study established that technology, human resource, open policy, cost have an impact on the receptivity of insurance service in Kenya'sLinda Jamii health insurance. The study recommendsagents training on policy implementation, wider publicity to the market andliase with other stakeholders like employer's to enhance enrolment.