APA Insurance, Hollard launch new health insurance solution

APA Insurance Uganda, in partnership with Hollard Health, has introduced a new international health insurance solution, APA International Health, offering coverage worth up to shs36b.

The launch of APA International Health is expected to give a significant boost to Uganda’s insurance sector, which has struggled with low penetration rates for years, with health insurance coverage remaining below 1% of the population.

Industry analysts note that limited awareness, affordability challenges, and a reliance on out-of-pocket payments have hindered uptake.

Launched recently in Kampala, the product combines advanced technology with a personalized approach, giving members tools and information to proactively manage their health.

It is designed to improve healthcare experiences and outcomes for individuals, families, SMEs, and corporate clients.

APA International Health focuses on preventive care and wellness, offering comprehensive support, easy access to quality information, and top-tier medical care.

A key feature of the service is the HealthMov wellness app, which enables members to monitor and manage their health directly from their smartphones. The app encourages positive lifestyle changes by tracking well-being and rewarding users for healthy behaviours.

According to Ashok Shah, Group chief executive officer of Apollo Investments Limited, the goal of the partnership is to promote healthier living, which in turn helps reduce healthcare costs.

“With APA and Hollard Health’s combined expertise, innovative solutions, and unwavering commitment to customer satisfaction, we are setting a new standard for healthcare coverage in the region,” he said.

Uganda, with 78% of its population under 35, has the second youngest population globally. This tech-savvy demographic is well-positioned to embrace digitally driven health insurance.

Additionally, there has been a notable shift from communicable diseases to non-communicable diseases linked to lifestyle choices, making wellness-focused insurance plans particularly relevant for both employers and individuals.

Distribution is designed to be agent-friendly, with sales facilitated through brokers and agents, while service delivery is strengthened by Henner, a trusted third-party administrator recognized for reliability and client satisfaction.

The HealthMov app lies at the center of the offering, going beyond traditional insurance by using facial and movement scans to monitor vital health indicators such as heart rate, breathing, stress levels, and BMI.

“The HealthMov app is so intuitive, it puts a virtual doctor, personal trainer, health coach, and mentor in every member’s pocket,” said Manan Desai, CEO of APA Uganda.
The app also provides telehealth consultations and second medical opinions, ensuring members receive timely and convenient care from anywhere.

Apollo Investments Limited, parent company of APA Insurance, entered into a strategic partnership with Hollard International in November 2023. This collaboration seeks to expand business opportunities across Africa for both companies.