Airtel Money Uganda has collaborated with AAR Health Services and Bluewave to introduce Ddwaliro Care, an affordable and comprehensive health insurance product designed to meet the diverse needs of individuals and families in Uganda. This initiative is aimed at providing peace of mind and financial security during times of illness or injury for all Ugandans.
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Ddwaliro Care offers three options, catering to various needs. The Ddwaliro mini option provides customers with an inpatient limit of shs1.5 million and a funeral benefit of shs1 million per year for themselves or each of their dependents, up to a maximum of six. Premiums for this option range from shs 10,000 for individual customers to shs70,000 for seven dependents per month.
On the other hand, Ddwaliro midi offers customers an inpatient limit of shs3 million and a funeral benefit of shs1.5 million per year for self or each of their dependents, with similar coverage for up to six individuals. Premiums range from shs14,000 for individual customers to shs 88,000 for seven dependents per month. Meanwhile, Ddwaliro Biggie provides customers with a limit of shs5 million and a funeral benefit of shs2 million per year, catering to self or each of their dependents, up to a maximum of six. Monthly premiums range from shs18,000 for individual customers to shs108,000 for seven dependents.
Japhet Aritho, the Managing Director of Airtel Mobile Commerce Uganda Limited (AMCUL), emphasized the company’s commitment to transforming lives and promoting sustainable financial inclusion through strategic partnerships. This collaboration aims to revolutionize the healthcare insurance landscape by offering accessible and affordable coverage to Airtel Money customers.
Christine Nassuna, the Managing Director of AAR Insurance, expressed her gratitude to Airtel for enabling this innovative healthcare solution, which is set to make quality healthcare more accessible to Ugandans without straining their finances.
The Insurance Regulatory Authority (IRA) noted that health insurance uptake in the country is less than 1%, primarily due to challenges related to accessibility and the high cost of healthcare. This partnership leverages the fact that 65% of Ugandans own a mobile phone and offers a well-crafted mobile healthcare product with the goal of extending insurance benefits to millions of individuals who have been excluded due to accessibility and affordability issues.
Through a simple dialing code, Airtel Money customers can access cashless inpatient coverage for themselves and their families, with options to purchase inpatient coverage for third parties who may not afford insurance. This initiative addresses the challenge of out-of-pocket healthcare costs, making affordable health insurance more accessible.
The partnership involves companies like AAR Health Services, Bluewave, and Airtel Money, working collectively to bring quality and affordable healthcare insurance products to Uganda. The insurance solutions are designed to be inclusive, covering individuals of all generations. Eligibility is extended to Airtel customers and their dependents, starting from birth (for term babies of 38 weeks) up to 65 years. Coverage can be extended beyond the age of 65 after a review.
Furthermore, children aged 18 to 24 years who are still attending school can remain under their parents’ coverage.
