Frequently Asked Questions

What is an Mbrella?
An Mbrella provides the basic healthcare cover for an entire Kenyan family to protect them from health shocks. You, 5 other donors and the recipient all chip in to pay the premium of USD 60/year.
How is Mbrella different from other charities?
We don’t just use money to alleviate a problem temporarily. Instead, we use behavioral science to systematically train the poor in growing their income and savings. Your donation will provide the healthcare protection they need to focus on these growth opportunities.
What’s the opportunity?
A basic health insurance can prevent many deaths, but the yearly cost of only USD 60 a year is too much for many Kenyans to save at one time. If we provide them with this protection, they can use the money they otherwise would have paid for hospital visits to save towards their next premium. This, in combination with our trainings for savings and better spending will allow them to eventually stand on their own feet, ending the vicious circle of poverty.
What does success look like?
We are focused on results. Instead of tracking how many people we enroll into our program, we track how many exit successfully, meaning how many can afford health insurance without being reliant on donors’ help.
Why is Mbrella in the best position to carry out this vision?
Mbrella is a joint project by the Center for Advanced Hindsight, the Joep Lange Institute and the PharmAccess Foundation.

The Center for Advanced Hindsight (CAH) is a world-class behavioral science innovation center at Duke University with the mission to make people happier, healthier, and wealthier. Its multidisciplinary team has extensive experience applying behavioral science to bring about social impacts, and its head Prof. Dan Ariely is a world-renowned behavioral economist and author of multiple New York Times best sellers, including Predictably Irrational.

Both the Joep Lange Institute and the PharmAccess Foundation have run and supported numerous projects in the healthcare sector of developing countries. Their focus lies on leveraging technology to give better access to healthcare to the world’s poorest.

How do you help recipients save?
In our previous work in Africa, we have already developed many working interventions that help people save. These include reminders, commitment devices and games. Subscribe to our newsletter or follow our Facebook page to learn more about the specific interventions we are running!
Why can't I just give money?
You can, of course. But your personal contact, in combination with our proven interventions, will help recipients to stay focused on their mission of saving for their next insurance premium, until one day they can stand on their own feet.
Why can't I give more than USD 9.80?
If you like what we are doing, you can always make a contribution to our running costs through the menu. We limit the contribution for individual recipients to USD 9.80, however, as we want to lay the emphasis on the personal relationship, which should help recipients stay motivated on their savings journey.
Where does my money go to?
100% of your USD 9.80 contribution will go towards recipients’ premiums. We will cover all associated transfer and admin fees. If you like what we are doing, you can always help covering these costs by giving a tip or making a contribution to our running costs.
My question is not listed.

You can always send us an email at [email protected] and we will get back to you with a personal reply as soon as possible!

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