Innovation: Family Insurance Groups in Africa

There is a new phenomenon happening in Lome, in Togo.

Families, specially extended families are creating family insurance group, where each member of the family should give something like $1 or $2 a month.

The money is destined to cover emergency health costs for the family members. (People here don’t trust the state or the foreign insurance companies. They subscribe only to the mandatory insurances like bike and car insurance. Even, those, most people refuse to renew the insurance because people feel it as organized theft. State and private Health insurance covers less than 10% of the population)

Extended families here in Togo could easily reach 100+ members.

In case of emergency, decisions are swiftly made by a small committee of benevolent managers, who have to inform the elders of the family before proceeding to spend money.

If there is not enough money to cover the emergency cost, the wealthiest member of the family would lend the money to the family fund, which will reimburse him or her as soon as the fund level would permit. In some cases, the generous lender won’t be paid back in money but with social currency like attending elders meetings on critical family issues.

Since July, there is no single week, when I do not hear about a new family adopting the family insurance system.

I wish they could prosper without the meddling of the fake and dubious NGOs, and the parasite state.

However, I feel like the families need a mobile app to manage more easily membership and fund.


About Mawuna KOUTONIN

Mawuna Koutonin is a world peace activist who relentlessly works to empower people to express their full potential and pursue their dreams, regardless of their background. He is the Editior of, Founder of, and Social activist for Africa Renaissance. Koutonin’s ultimate dream is to open a world-class human potential development school in Africa in 2017. If you are interested in learning more about this venture or Koutonin’s other projects, you can reach him directly by emailing at

Leave a Reply

XHTML: You can use these tags: <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <s> <strike> <strong>