Sema Doc is a service that enables users to save and borrow money for medical expenses via their mobile phones, as well as get access to a doctor for medical consultations.
Sema Doc is a mobile-centric health solution that allows users to save and borrow money for medical expenses via their mobile phones, as well as get access to a doctor for medical consultations.
The service is available to Safaricom subscribers in Kenya and has a team of 30 doctors to consult on a wide range of conditions including acne, contraception, erectile dysfunction, flu, gout, seasonal allergies, malaria, diabetes, and asthma. The doctors can diagnose 23 conditions and send a prescription via SMS.
Subscribers also receive Ksh.5,000 ($48), deposited directly to their mobile health account if they are admitted to the hospital. They also receive two health tips every day via SMS.
Market Suggested Retail Price
Distributors / Implementing Organizations
Intellectural Property Type
User Provision Model
Users can access the product by dialing *200# from their phones.
Distributions to Date Status
Sema Doc is a service that enables users to save and borrow money for medical expenses via their mobile phones, as well as get access to a doctor for medical consultations. It is a collaboration between Hello Doctor for Doctor Access, NCBA for Health Accounts and Health Loans. and Cannon Assurance for the Hospital Cash Benefit. Clients enroll in the service through a USSD service, by dialing *220# on their Safaricom line. After registration, they are supposed to pay KShs 300 ($2.85) a month in order to access the services. The service is available 24/7 and besides the active inquiry, the users are sent two SMS every day with various health tips. A call goes for Sh 60 unlimited talk, and short messages service (SMS) is free for Sema Doc service. On the back end, there is a team of 30 doctors who answer queries from the user and can give prescriptions over the phone. They are also able to refer people to the pharmacy for drugs.
Provided by Hello Doctor.
Manufacturer Specified Performance Parameters
Designer specified performance targets include: easy to use, affordable, and quick settlement of claims.
Vetted Performance Status
No known safety hazards are related to this product.
Complementary Technical Systems
To access Sema Doc services, ones need to have an M-PESA account.
Academic Research and References
Ranchod, S., et al., 2016, Effective health financing models in SADC: Three case studies, Finmark Trust.
Sheila, M., Christopher, C., 2019, Potential of SMS Based Automated Reminders towards Enhancing Adherence to Clinical Instructions for Dementia Patients: A Case of Healthcare Givers, International Journal of Science and Healthcare Research, Vol. 4, Issue: 3.
Compliance with regulations
Sema Doc is approved by the Ministry of Health in Kenya.