Birdview Microinsurance and Mombasa Tuk-Tuk SACCOs Launch “Maisha Poa” Welfare Insurance for Tuk-Tuk Drivers

In a groundbreaking move to improve social protection for informal sector workers in Mombasa, Birdview Microinsurance has partnered with Mombasa Tuk-Tuk SACCOs to launch “Maisha Poa,” a tailor-made welfare insurance product designed specifically for tuk-tuk owners, drivers, and their families. This initiative marks a significant step forward in making insurance accessible and affordable to a traditionally underserved and vulnerable group.

Affordable and Comprehensive Coverage

The “Maisha Poa” product offers a combination of essential insurance covers at an affordable daily premium of just Sh30. The insurance package includes:

According to John Paul Otieno, Acting CEO of Birdview Microinsurance, the product is aimed at delivering affordable protection for the working class, particularly the tuk-tuk drivers who work long hours but often lack basic insurance coverage.

Impact and Reach

The product targets over 18,000 tuk-tuk drivers operating in Mombasa, with potential coverage extending to around 200,000 people including drivers, owners, and their family members. This initiative is expected to significantly increase insurance penetration in the region by providing a safety net that was previously unavailable to many in this sector.

Addressing a Critical Gap

Richard Muiru, Microinsurance Director at Birdview, emphasized that despite the demanding nature of their work, many tuk-tuk drivers have been neglected in terms of insurance coverage. He highlighted how the product enables drivers to care for their families without the stress of unexpected medical bills.

Positive Reception from the Community

The welfare program has been welcomed enthusiastically by the tuk-tuk driver community. Many drivers, who often face financial hardship after accidents or unexpected events, see this cover as a much-needed support mechanism. Leaders within the SACCOs have expressed optimism that the initiative will create a safer, more secure community of drivers and enhance their overall well-being.

Technology-Driven and Inclusive

Birdview Microinsurance has emphasized that “Maisha Poa” is designed to be affordable, accessible, and responsive to modern technology. Collaboration with SACCOs ensures streamlined enrollment and premium payment processes, making it easy for drivers to get covered and manage their insurance.

Conclusion

The launch of “Maisha Poa” represents a pioneering effort in Kenya’s microinsurance landscape. By focusing on the welfare of tuk-tuk drivers and their families with affordable, tailored insurance solutions, Birdview Microinsurance and Mombasa Tuk-Tuk SACCOs are providing essential financial security and peace of mind to one of the country’s vital but vulnerable workforce segments.

This initiative is not only expected to improve livelihoods but also serve as a blueprint for similar programs targeting informal sector workers elsewhere in Kenya and beyond.