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    • Global Health

    How a free health insurance pilot is taking on medical debt in Africa

    A charity-led model in Kenya and Nigeria is testing whether free emergency coverage can protect low-income families from catastrophic health costs.

    By David Njagi // 16 October 2025

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    In the over 15 years that Evaline Kibuchi has been working for the Stop TB Partnership in Kenya, she has come across two types of WhatsApp group fundraisers — either for someone who is battling a disease or someone who died and left a huge medical bill.

    And this annoys her, that society is being pushed into crowdfunding to foot medical bills in a country that has social health insurance and a public workforce that claims the government is investing heavily in health systems.

    “Where is the disconnect? We have a social insurance fund, we have governments investing in health, we have donors investing in health, yet it seems it is not reaching the people who need it. That is why we have all these WhatsApp groups for fundraising,” she said.

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    More reading:

    ► Kenya's new health insurance rollout sparks challenges and concerns

    ► As India battles deadly heat waves, can insurance offer relief?

    ► Why executives changed their minds about insuring the poor

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    About the author

    • David Njagi

      David Njagi

      David Njagi is a Kenya-based Devex Contributing Reporter with over 12 years’ experience in the field of journalism. He graduated from the Technical University of Kenya with a diploma in journalism and public relations. He has reported for local and international media outlets, such as the BBC Future Planet, Reuters AlertNet, allAfrica.com, Inter Press Service, Science and Development Network, Mongabay Reporting Network, and Women’s Media Center.

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