We use mobile technology to improve financial inclusion in healthcare.
Only 40-60 % of health campaign funds directly benefit patients. The rest is lost due to system inefficiencies. We use technology to help governments and donors to tackle this problem.
We have been working to develop healthcare in Madagascar since 2011. Today, we are collaborating with more than 30 hospitals and health centers in the country and our projects have a direct impact on more than 5.000 patients every month. Working in the rural south of Madagascar, we have years of experience in managing healthcare financing and subsidy schemes. We run several programs to support the treatment costs for the very poorest patients. Our team processes hundreds of reimbursement claims from basic health facilities and hospitals every month.
Thanks to generous supporters, we will be able to send more than 250.000EUR directly to patients. Using mTOMADY our donors can be sure that the money can only be spent on healthcare.
Within the next months, mTOMADY will become available at more than 30 basic healthcare facilities and hospitals in Antananarivo, Madagascar.
By the end of this year we will have more than 5.000 people using mTOMADY. We currently focus only on maternal and newborn health.
mTOMADY is a platform for financial inclusion in healthcare by providing people with a health savings and payment account on their mobile phone. It facilitates healthcare financing for those who are currently locked out from formal savings and insurance mechanisms. By using existing mobile money infrastructure, mTOMADY is a closed loop system enabling people to save, send, receive and pay money exclusively for healthcare.
mTOMADY can be integrated into existing activities — replacing cash flows — to improve efficiency, accountability, and transparency in financial transactions.
Digitizing payment streams in healthcare increases transparency and accountability for every dollar spent in the system. Sponsors and patients can be sure that the funds put on the platform are only accessible to be spent on healthcare.
We collect anonymized data on healthcare system usage, disease prevalence, and savings and spending habits. This can be used to inform governmental and other health campaign sponsors to improve impact and efficiency of intervention campaigns.
mTOMADY unlocks an opportunity to save and pay for healthcare to populations currently locked out from formal insurance and banking mechanisms. By offering mTOMADY in partnership with mobile phone operators, almost everyone has access to the service - no matter how remote a family lives.
Using mTOMADY is extremely simple. It runs on any phone using low-key USSD technology without requiring an active internet connection. For health care providers, mTOMADY integrates seamlessly in existing pen-and-paper-based processes providing a streamlined digital solution for handling payments and patient management.
Former World Bank Head of Mission