Challenges facing the implementation of strategies within the Kenya armed forces medical insurance scheme
Medical insurance, like other forms of insurance, is a form of collectivism by means of which people collectively pool their risk, in this case the risk of incurring medical expenses. The collective is usually publicly owned or else is organized on a non-profit basis for the members of the pool, though in some countries health insurance pools may also be managed by for-profit companies. Before the development of medical expense insurance, patients were expected to pay all other health care costs out of their own pockets, under what is known as the fee-for-service business model. During the middle to late 20th century, traditional disability insurance evolved into modem health insurance programs. Today, most comprehensive private health insurance programs cover the cost of routine, preventive, and emergency health care procedures, and most prescription drugs, but this is not always the case. The Kenya armed forces insurance scheme was initiated in 1996, when the Kenyan Military leadership realized that their retirees were becoming vulnerable to ill health since their entitlement for healthcare ceased immediately upon retirement. This realization led to the introduction of the Kenya Armed Forces Medical Insurance Scheme (KAFMIS) whose goal was to give a chance to the serving members to contribute a small portion of their basic salaries that would accumulate over a period of 15 years or so to be able to take care of their healthcare together with their dependents in their retirement. The study used descriptive study and it sought to gain deeper understanding on to find out the challenges of new strategies implementation within the medical insurance industry in Kenya to determine the response of KAFMIS to the challenges of strategies implementing in the scheme and challenges encountered by KAFMIS in the implementation of strategies. This study also sought to gain a deeper understanding as to why certain challenges arise in implementing strategy at KAFMIS. This study further gave recommendations on the findings made on how KAFMIS can use the challenges that it faces to create a competitive advantage and to ensure it is able to remain in business in the long-term. Consequently, the study recommended that the area of challenges facing KAFMIS be interrogated further to establish why the specific challenges arise, if they are specific to KAFMIS and if they can be harnessed to offer operational advantage to KAFMIS vis- a-vis the competitors.