{"id":29517,"date":"2018-02-22T17:10:25","date_gmt":"2018-02-22T13:10:25","guid":{"rendered":"https:\/\/ict.io\/madagascar-micro-insurance-by-the-startup-samsalama\/"},"modified":"2018-02-22T17:10:25","modified_gmt":"2018-02-22T13:10:25","slug":"madagascar-micro-insurance-by-the-startup-samsalama","status":"publish","type":"post","link":"https:\/\/ict.io\/en\/madagascar-micro-insurance-by-the-startup-samsalama\/","title":{"rendered":"Madagascar: micro-insurance by the startup Sam&#8217;Salama"},"content":{"rendered":"<p><i>These young women are not afraid of the cold. Indeed, Aina Andremanisa and Fanilo Randrianarizay, decided to help their fellow Malagasy citizens. Their startup Sam&#8217;Salama, co-founded in September 2017, operates in the health insurance industry&#8230;  <\/i><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>Madagascar is an island that abounds in a thousand riches, but which, unfortunately, remains very poor due to the lack of development and adequate infrastructure. Health is one of the sectors that need development on the Big Island. Many Malagasy cannot really access paid health services due to lack of adequate insurance coverage. This is where the startup Sam&#8217;Salama comes in!<\/p>\n<p>The mission of this startup co-founded by Aina Andremanisa and Fanilo Randrianarizay is to alleviate the exclusion of people without adequate health coverage. &#8220;Sam&#8217;Salama aims to provide a social protection solution to self-employed workers and more generally to anyone currently excluded from the traditional insurance system. The key words of the project are simplicity, accessibility and adaptability&#8221;, explains Aina Andremanisa.<\/p>\n<p>If you have trouble understanding how this startup can help you, we explain everything! As with the health plan, Sam&#8217;Salama allows its members to choose the plan that suits them. Several formulas and levels of coverage are available to suit your needs and financial capacity. The rates range from 0.40 euros to 2.50 euros per person per month. Sam&#8217;Salama offers the possibility to pay your membership fee via mobile payment. In addition, the startup benefits from partnerships with health institutions, so members do not have to advance their health costs, which are paid by Sam&#8217;Salama.<\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-27047\" src=\"https:\/\/ict.io\/wp-content\/uploads\/2018\/02\/assur.jpg\" alt=\"Madagascar : la micro-assurance par la startup Sam\u2019Salama  \" width=\"620\" height=\"330\" srcset=\"https:\/\/ict.io\/wp-content\/uploads\/2018\/02\/assur.jpg 620w, https:\/\/ict.io\/wp-content\/uploads\/2018\/02\/assur-300x160.jpg 300w, https:\/\/ict.io\/wp-content\/uploads\/2018\/02\/assur-610x325.jpg 610w\" sizes=\"auto, (max-width: 620px) 100vw, 620px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h2><b>Two young women who make the pair!  <\/b><\/h2>\n<p>The microinsurance sector has been booming in African countries for some years now. However, it is quite risky to launch a startup in an unstable economic market. In any case, these two young women have taken the crazy gamble of embarking on an entrepreneurial adventure, especially in this sector of activity.<\/p>\n<p>Aina Andremanisa is a health expert. Aged 25 and originally from Madagascar, she holds a Bachelor&#8217;s degree in Political Science, a Master&#8217;s degree in International Development from Sciences Po Paris obtained in 2015, and a Master&#8217;s degree specializing in public health, passed at the Pasteur-CNAM school, in 2016.<\/p>\n<p>As you can see, Fanilo Randrianarizay, her associate, is an insurance expert. At 27, she is an insurance actuary and is involved in risk analysis. Feeling concerned &#8220;by the health situation of the Malagasy population, and more globally of the African population&#8221;, the duo wishes to bring its &#8220;contribution to the resolution of these gaps in care&#8221;.<\/p>\n<h2><b>A startup born in 54 hours!<\/b><\/h2>\n<p>Startup Weekends are now known all over the world. The islands of the Indian Ocean, Madagascar, Reunion and Mauritius are no exception to the rule. Nevertheless, the concept of Sam&#8217;Salama was not born in Madagascar, but in Paris! Indeed, it is in the French capital that the two young women have assembled their ideas and visions for the Big Island and Africa in general. It was later in 2017 that Sam&#8217;Salama really took shape, during a marathon 54-hour weekend. The event was organized by the entrepreneurship promotion association &#8220;Juniors for Madagascar&#8221;, with the support of the American accelerator TechStars and Google for Entrepreneurs.<\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-27046\" src=\"https:\/\/ict.io\/wp-content\/uploads\/2018\/02\/samsala.jpg\" alt=\"Ces jeunes femmes n\u2019ont pas froid aux yeux. En effet, Aina Andremanisa et Fanilo Randrianarizay, ont d\u00e9cid\u00e9 d\u2019aider leurs concitoyens malgaches. Leur Startup Sam\u2019Salama, cofond\u00e9e en septembre 2017, \u00e9volue dans le domaine de l\u2019assurance sant\u00e9\u2026 Madagascar est une \u00eele qui regorge de mille richesses, mais qui, h\u00e9las, reste tr\u00e8s pauvre par le manque de d\u00e9veloppement et d\u2019infrastructures ad\u00e9quates. La sant\u00e9 fait partie des secteurs qui ont besoin de d\u00e9veloppement sur la Grande \u00eele. Les services de sant\u00e9 payants, beaucoup de Malgaches ne peuvent vraiment y acc\u00e9der faute d\u2019une couverture d\u2019assurance adapt\u00e9e. C\u2019est l\u00e0 que la startup Sam\u2019Salama rentre en jeu ! Pallier \u00e0 l\u2019exclusion des personnes sans couverture sant\u00e9 ad\u00e9quate, c\u2019est la mission de cette startup cofond\u00e9e par Aina Andremanisa et Fanilo Randrianarizay. \u00ab Sam'Salama vise \u00e0 fournir une solution de protection sociale aux travailleurs ind\u00e9pendants et plus largement \u00e0 toute personne aujourd\u2019hui exclue du syst\u00e8me traditionnel de l\u2019assurance. Les ma\u00eetres mots du projet sont la simplicit\u00e9, l\u2019accessibilit\u00e9 et l\u2019adaptabilit\u00e9 \u00bb, explique Aina Andremanisa. Si vous avez du mal \u00e0 comprendre de quelle mani\u00e8re cette startup peut vous aider, nous vous expliquons tout ! Comme avec le plan sant\u00e9, Sam'Salama permet \u00e0 ses adh\u00e9rents de choisir le plan qui leur convient. Plusieurs formules et niveaux de garanties sont propos\u00e9s, pour correspondre \u00e0 vos besoins et de votre capacit\u00e9 financi\u00e8re. Ainsi, du c\u00f4t\u00e9 des tarifs, la fourchette va de 0,40 euro jusqu\u2019\u00e0 2,50 euros par personne et par mois. Sam'Salama donne la possibilit\u00e9 de r\u00e9gler votre cotisation via paiement mobile. Par ailleurs, la startup b\u00e9n\u00e9ficiant des partenariats avec les \u00e9tablissements de sant\u00e9, les adh\u00e9rents n\u2019ont pas \u00e0 avancer leurs frais de sant\u00e9, qui sont r\u00e9gl\u00e9s par Sam\u2019Salama. Deux jeunes femmes qui font la paire ! Le secteur de la micro-assurance est depuis quelques ann\u00e9es en plein essor dans les pays africains. Il est toutefois assez risqu\u00e9 de faire na\u00eetre une startup au sein d\u2019un march\u00e9 \u00e9conomique instable. Quoi qu\u2019il en soit, ces deux jeunes femmes ont fait le pari fou de se lancer dans l\u2019aventure entrepreneuriale, qui plus est dans ce secteur d\u2019activit\u00e9. Aina Andremanisa est experte en sant\u00e9. g\u00e9e de 25 ans et originaire de Madagascar, elle est d\u00e9tentrice d\u2019une licence en sciences politiques, d\u2019une ma\u00eetrise en d\u00e9veloppement international \u00e0 Sciences Po Paris obtenue en 2015, et d\u2019une ma\u00eetrise sp\u00e9cialis\u00e9e en sant\u00e9 publique, pass\u00e9e \u00e0 l\u2019\u00e9cole Pasteur-CNAM, en 2016. Vous l\u2019aurez donc compris, Fanilo Randrianarizay, son associ\u00e9e, est experte en assurance. \u00c0 27 ans, cette derni\u00e8re est actuaire en assurance et s\u2019occupe notamment de l\u2019analyse des risques. Se sentant concern\u00e9es \u00ab par la situation de la sant\u00e9 de la population malgache, et plus globalement de la population africaine \u00bb, le duo souhaite apporter sa \u00ab contribution \u00e0 la r\u00e9solution de ces \u00e9carts de prise en charge \u00bb. Une startup n\u00e9e en 54 heures ! Les Startups Weekends sont d\u00e9sormais connus \u00e0 travers le monde. Les \u00eeles de l\u2019oc\u00e9an Indien, Madagascar, R\u00e9union et Maurice n\u2019\u00e9chappent pas \u00e0 la r\u00e8gle. N\u00e9anmoins le concept de Sam\u2019Salama n\u2019a pas vu le jour \u00e0 Madagascar, mais \u00e0 Paris ! En effet, c\u2019est dans la capitale fran\u00e7aise que les deux jeunes femmes ont assembl\u00e9 leurs id\u00e9es et visions pour la Grande \u00eele et l\u2019Afrique en g\u00e9n\u00e9ral. C\u2019est plus tard, en 2017 que Sam'Salama a v\u00e9ritablement pris forme, au cours d\u2019un week-end marathon de 54 heures. L\u2019\u00e9v\u00e8nement \u00e9tait alors organis\u00e9 par l\u2019association de promotion de l\u2019entrepreneuriat \u00ab Juniors pour Madagascar \u00bb, avec le soutien de l\u2019acc\u00e9l\u00e9rateur am\u00e9ricain TechStars et de Google for Entrepreneurs. \u00ab L\u2019id\u00e9e de ce concours destin\u00e9 aux jeunes cr\u00e9ateurs d\u2019entreprise \u00e9tait de monter sa start-up en un week-end. Nous sommes donc arriv\u00e9es un vendredi soir, sans nous conna\u00eetre. En une soir\u00e9e, nous avions d\u00e9cid\u00e9 de faire \u00e9quipe et commenc\u00e9 \u00e0 esquisser notre projet, qui nous a valu, \u00e0 la fin du week-end, de remporter la deuxi\u00e8me place du concours \u00bb, raconte Aina Andremanisa. Aujoud\u2019hui Sam\u2019Salama est bel et bien une startup qui a beaucoup \u00e0 offrir \u00e0 la soci\u00e9t\u00e9 malgache et cela pour les ann\u00e9es \u00e0 venir. Le lancement du projet pilote de la micro-assurance est pr\u00e9vu pour septembre 2018. Avec un tel concept, les deux jeunes femmes comptent toucher 5 000 b\u00e9n\u00e9ficiaires d\u2019ici la fin de l\u2019ann\u00e9e.\" width=\"592\" height=\"296\" srcset=\"https:\/\/ict.io\/wp-content\/uploads\/2018\/02\/samsala.jpg 592w, https:\/\/ict.io\/wp-content\/uploads\/2018\/02\/samsala-300x150.jpg 300w\" sizes=\"auto, (max-width: 592px) 100vw, 592px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>&#8220;The idea of this competition for young entrepreneurs was to set up a start-up in a weekend. So we arrived on a Friday evening, without knowing each other. In one evening, we decided to team up and started to sketch out our project, which earned us second place in the competition at the end of the weekend,&#8221; says Aina Andremanisa.<\/p>\n<p>Today Sam&#8217;Salama is indeed a startup that has a lot to offer to the Malagasy society for years to come. The microinsurance pilot is scheduled to launch in September 2018. With such a concept, the two young women expect to reach 5,000 beneficiaries by the end of the year.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>These young women are not afraid of the cold. Indeed, Aina Andremanisa and Fanilo Randrianarizay, decided to help their fellow Malagasy citizens. Their startup Sam&#8217;Salama, co-founded in September 2017, operates in the health insurance industry&#8230; &nbsp; &nbsp; Madagascar is an island that abounds in a thousand riches, but which, unfortunately, remains very poor due to [&hellip;]<\/p>\n","protected":false},"author":27,"featured_media":27048,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[480],"tags":[506],"class_list":["post-29517","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-startups-en","tag-madagascar-en"],"_links":{"self":[{"href":"https:\/\/ict.io\/en\/wp-json\/wp\/v2\/posts\/29517","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ict.io\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ict.io\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ict.io\/en\/wp-json\/wp\/v2\/users\/27"}],"replies":[{"embeddable":true,"href":"https:\/\/ict.io\/en\/wp-json\/wp\/v2\/comments?post=29517"}],"version-history":[{"count":0,"href":"https:\/\/ict.io\/en\/wp-json\/wp\/v2\/posts\/29517\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ict.io\/en\/wp-json\/wp\/v2\/media\/27048"}],"wp:attachment":[{"href":"https:\/\/ict.io\/en\/wp-json\/wp\/v2\/media?parent=29517"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ict.io\/en\/wp-json\/wp\/v2\/categories?post=29517"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ict.io\/en\/wp-json\/wp\/v2\/tags?post=29517"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}