Why M-KOPA's Free Health Insurance Has Been a Lifesaver for Thousands of Kenyans

EDITOR’S NOTE: This article is part of our Money254 Partner Series produced in partnership with M-KOPA to mark the launch of their latest device - the M-KOPA X20.

For millions of Kenyans, a sudden medical emergency can quickly turn into a financial crisis. Even routine healthcare needs, like a brief hospital stay, can overwhelm those who are already struggling to make ends meet. In a country where many prioritize putting food on the table over long-term planning, health insurance often falls by the wayside, leaving many households vulnerable.

However, innovative solutions like the M-KOPA X20 are changing this reality by embedding health insurance directly into the purchase of a smartphone. For small business owners, hustlers, and families alike, M-KOPA's free hospital cash cover offers an extra layer of financial protection in times of medical need.

This article explores how M-KOPA’s X20 is more than just a smartphone; it's a lifeline that provides free medical insurance, ensuring Kenyans can navigate health challenges without the added burden of overwhelming costs. Here’s how the embedded hospital cash cover works and why it is a lifeline for many Kenyan households. 

What is this Free Hospital Cash Cover?

The M-KOPA X20 phone comes with a free health insurance plan included at no extra cost. Through M-KOPA’s partnership with Turaco, buyers automatically receive an annual inpatient cover of up to Ksh30,000 when they purchase the phone.

How it Works

If you're admitted to any Ministry of Health-accredited hospital, you’ll receive Ksh1,000 for each night you spend there, up to a total of 30 nights per year. 

This cover can make a significant difference in managing healthcare costs during hospital stays. It can help offset lost income,  assist in coverage of non-medical expenses, or even complement your other medical cover.

Also Read: M-KOPA’s Free Health Coverage Details

Key Benefits of the Hospital Cash Cover

1. Financial Relief: The Ksh1,000 per night can provide crucial support by helping cover expenses during hospitalization, such as lost income or additional treatment costs.

2. No Additional Costs: The health insurance is included at no extra charge with the phone, making it an affordable way to access basic health coverage.

3. Quick Claim Process: Turaco guarantees fast processing, with claims paid out within three business days of receiving documentation.

4. Wide Hospital Access: The cover applies to any hospital accredited by the Ministry of Health, ensuring you can receive care from a wide range of facilities.

Making a Claim in the Event of Hospitalisation

First, you need to report to Turaco by calling 0800 221 245 or sending a WhatsApp message to 0768 387 245 as soon as you get admitted. 

Reporting immediately will expedite the process, but if you are not able to report immediately, it is advisable to report within a week. 

An agent will then assist with the necessary documentation. It will take Turaco three business days to process and pay claims upon receipt of all required documentation. The claims will be deposited in your M-PESA or Airtel Money account.

Also Read: How to access the M-KOPA Phone

Wrapping Up

By buying an M-KOPA X20, you automatically access health insurance which cushions you from the financial shocks that a sudden illness would bring. So, If you are looking for a smartphone that offers more than just cutting-edge technology, look no further. 

Would you like to get more than a phone through the M-KOPA X20? Start your journey here.