AHMINI

AHMINI is a platform that offers to rural women social security system, in addition to the sensitization, prevention and access to health care through SMSing. It aims to facilitate women’s access to protection to help her to improve her living conditions.

Rural women are usually excluded of social security service because of her precarious income, remoteness and the complexity of administrative procedures.  

In Tunisia 90% of rural women are not insured, according to the Ministry of Women.

Women live in a vicious circle:

• Illness
• Productivity decline
• Household poverty
• Debt and often sale of the tool of production
• Poverty
• No care
• No schooling of children

The privatization of social services and cost recovery has led to impose a remarkable burden on women in all of which is related to health, children and the elderly.

Using modern technologies, it is possible to facilitate access to social coverage and enable rural women, with or without daily income, to benefit from insurance and to cover their basic health needs.

The contribution can be done remotely and at very low amounts, yet the recurrence of payments can constitute the minimum capital needed to allow them to have full insurance without impacting the family budget.

The solution will make it possible to no longer resort to debt-care and thus avoid the famous vicious circle that pushes  rural women to avoid taking care of their health.

Ahmini is a platform that will allow rural women to subscribe  to social hedge fund services thanks to text messaging via any mobile phone .

No need for data plans, contributions and subscriptions will be widely accessible will, thanks to SMS Gateways, to every woman who can pay directly by herself or via a sponsor.

SMS price will be overtaxed and parts of the margin will be transfered to social security system organisms and partner insurances as contributions.

Number of enrolled insured rural women a year - 10.000 for the first year

Number of contributions - 180 SMS per woman per year

The ease of use of the SMSing using a normal mobile phone and the large coverage of telecom networks, facilitates the subscription’s process and the daily payments of contributions.

What makes also our solution unique is the fact that anyone can sponsor the rural woman, who may not have any revenue, for her health insurance and pay directly on her behalf her contribution using her unique ID.

In addition to that AHMINI provides  management of claims through the use of SMS and the call centers takes over to investigate in case by case basis. 

Our solution is giving more dignity for rural women, gain their trust, feeling in the system, not being excluded, no discrimination, feeling alive, learning how to manage their budget, better quality of life, Higher life expectancy, information, prevention, timely treatment, timely screening, etc.

Rural women move from a precarious state to a citizen with full rights status by reducing her vulnerability in the event of unexpected situations

The fact that rural women can use technologies like mobile phones for insurance purposes can fill the "void" of insurance from which are suffering low-income people.

By doing information campaigns, raising awareness, membership days through:

• Partnership with who whose first priority in the world is the reduction of social inequalities and protection of vulnerable groups
• Through associations, NGOs
• By the telephone operators
• By the state
• Rural women Employers

AHMINI will focus its efforts in the first place on the establishment of the database of rural women through public-private collaboration with the Tunisian State in the framework of a data collection convention or through donations from NGOs.

AHMINI, will be based on partnerships with local telecom operators (using their database) and insurance companies.

These partners will be shareholders of the AHMINI company either directly or through their investment funds.

The key to the success of the project depends on the number of rural subscribers to insurance policies via this new channel of alternative distribution of insurance products in Tunisia.

• Regulatory constraints: The impact of regulations on the process of distributing insurance products using new technologies.
• The intangible nature of insurance sometimes makes it difficult to communicate its true value to the low-income rural women's market.
• The number of members of the platform
• The implementation of an efficient distribution channel requires a significant investment on the part of both the insurer and the AHMINI distribution partner, in human capital and in specific computer platforms
• Historically, insurance is a paper-based sector, with forms for registration and claim form, and policy documents.

https://www.facebook.com/A7mini/

As a young rural entrepreneur who witnessed the death of my mother who was unable to receive timely care because she was excluded from the social security system in Tunisia, I decided to propose A technological solution that responds to the suffering of rural women's access to care.

• Ministry of social Affairs (Tunisia)
• ONG and local association
• Telecommunications operators
• Insurance companies
• Microfinance institution

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