In Good Health

Aafiya TPA has carved a niche as a first-rate in­te­grated ser­vice provider for health­care man­age­ment, de­signed to fa­cil­i­tate high qual­ity pro­vi­sion of health in­sur­ance ser­vices across the UAE and wider re­gion Writer: Tom Wad­low

EME Outlook - - Health Care -

TheGCC’S in­sur­ance in­dus­try is boom­ing. Grow­ing at more than 10 per­cent a year, the sec­tor will be worth $44 bil­lion if fi­nan­cial ad­vi­sory firm Alpen Cap­i­tal’s re­search is proven cor­rect.

Fu­elled by ris­ing in­sur­ance aware­ness, eco­nomic re­vival and in­fra­struc­ture de­vel­op­ments and an ex­pand­ing con­sumer base, in­sur­ance has be­come big busi­ness for both lo­cal and multi­na­tional com­pa­nies in the re­gion.

An­other key growth fac­tor iden­ti­fied by Alpen is the im­ple­men­ta­tion of manda­tory health in­sur­ance in the UAE, and com­pa­nies such as Aafiya TPA, set up in 2015, have been able to es­tab­lish them­selves as flag­bear­ers for health in­sur­ance pro­vi­sion.

Lit­er­ally trans­lat­ing as ‘good health’, Aafiya de­scribes it­self as a hub which con­nects in­sur­ance com­pa­nies, pol­i­cy­hold­ers and health­care providers. Its core ser­vices in­clude risk man­age­ment, client man­age­ment, pol­icy ad­min­is­tra­tion, an­a­lyt­ics, mar­ket re­search and case man­age­ment, among oth­ers.

“While our ba­sic role is to func­tion as an ad­min­is­tra­tor, we un­der­stand the need to fa­cil­i­tate cash­less ser­vice at the time of your med­i­cal ne­ces­sity,” it states on its web­site. “Aafiya is com­mit­ted to pa­tient safety and emerges as a trust­wor­thy health­care fa­cil­i­ta­tor in the re­gion.”

The power of net­work­ing

Aafiya’s pro­vi­sion of ser­vices to its more than 600,000-strong mem­ber­ship is based around a for­mi­da­ble net­work of part­ners.

This in­cludes close re­la­tion­ships with lead­ing in­sur­ance providers based in the GCC: Taka­ful Emarat, Noor Taka­ful, Al-buhaira Na­tional In­sur­ance Co, Union In­sur­ance, Ori­ent UNB Taka­ful, RAK In­sur­ance, Abu Dhabi Na­tional Taka­ful, In­sur­ance House, Oman In­sur­ance Com­pany, United In­sur­ance Com­pany, Na­tional Life & Gen­eral and Metlife.

World­wide, the Com­pany’s global net­work com­prises more than 10,000 ser­vice providers and a 24/7 call cen­tre, mean­ing Aafiya ser­vices are avail­able al­most any­where in the world 100 per­cent of the time.

Over­seas in­sur­ance part­ners in­clude In­dia-based Para­mount Health­care Man­age­ment and Pak­istan’s Cres­cent Star In­sur­ance.

The firm also op­er­ates a num­ber of part­ner­ships with lead­ing health and well­ness com­pa­nies in or­der to of­fer priv­i­leges to its mem­bers.

From spas and beauty cen­tres to res­tau­rants and nutri­tion com­pa­nies, Aafiya mem­bers can ben­e­fit from these strate­gic tie-ups which pro­mote healthy liv­ing.

For ex­am­ple, its Da­hab ben­e­fits pro­gramme of­fers fast-track ap­provals, pri­or­ity ac­cess, and a ded­i­cated ser­vice team to a per­son­alised re­la­tion­ship doc­tor, and door to door medicine de­liv­ery. Launched in De­cem­ber 2017, the scheme was recog­nised at the Cor­po­rate Vi­sion’s Cor­po­rate Ex­cel­lence Awards with the ti­tle of Most In­no­va­tive New Ser­vice of the Year.

Fur­ther, mem­bers can also take ad­van­tage of these pro­mo­tions and track their own med­i­cal in­sur­ance on the go in the form of the Aafiya mo­bile app.

The Com­pany has ad­di­tion­ally rolled out smart kiosks at three hos­pi­tals in Dubai – the Saudi Ger­man Hos­pi­tal, Ira­nian Hos­pi­tal and Thum­bay Hos­pi­tal. These kiosks con­nect users with cus­tomer care ser­vices, pol­icy de­tails and BMI cal­cu­la­tors, among other things.

Gen­eral Man­ager Ali Zaidi writes in his GM’S mes­sage: “As a brand Aafiya would like to stand for high­est qual­ity of med­i­cal ad­min­is­tra­tion ser­vices, backed by rev­o­lu­tion­ary well­ness ser­vices... I firmly be­lieve that in­no­va­tion is the key to achiev­ing sus­tain­abil­ity and growth in the long term.”

Build­ing bridges

Be­yond its mis­sion to fa­cil­i­tate com­pre­hen­sive health in­sur­ance ser­vices to all the sec­tors of the pop­u­la­tion, Aafiya also ea­gerly par­tic­i­pates in ex­tracur­ric­u­lar ac­tiv­i­ties as a way of pro­mot­ing so­cial co­he­sion within its net­work.

In March the Com­pany held a three-day cricket tour­na­ment, the Aafiya Premier League (APL), made up of 12 cor­po­rate in­sur­ance providers and bro­kers, with Oman In­sur­ance Com­pany clinch­ing the ti­tle af­ter beat­ing Pi­o­neer In­sur­ance Bro­kers in the fi­nal.

Com­ment­ing at the time, Zaidi said: “APL has en­abled in­sur­ance pro­fes­sion­als from dif­fer­ent com­pa­nies to en­gage with each other through the game of cricket. We ex­pect more teams to par­tic­i­pate in the fu­ture edi­tions for more ex­cite­ment.”

This close-knit net­work of in­sur­ance providers will en­sure Aafiya con­tin­ues to pro­vide un­ri­valled ac­cess to qual­ity health cover in the UAE, GCC and be­yond.

In ad­di­tion to its of­fices in Dubai and Abu Dhabi, Aafiya’s strate­gic plan re­volves around its aim to ex­pand its pres­ence to other parts of the UAE as well as other coun­tries in the re­gion, in­clud­ing Saudi Ara­bia, Oman, Kuwait and Kaza­khstan.

Bear­ing in mind the Com­pany only formed in 2015, it has made a re­mark­able im­pres­sion on the re­gional health in­sur­ance in­dus­try dur­ing its short ex­is­tence and looks set to con­tinue mak­ing strides in years to come.

Project Man­ager: Cal­lam Waller

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