Affordable Health Insurance for Informal Workers: Bodaboda, Mama Ntilie & Hustlers in Tanzania
Health insurance made for informal workers in Tanzania. Affordable plans for bodaboda drivers, street vendors, and hustlers. Pay via mobile money, get instant coverage, and protect your family without breaking the bank.
You work hard every day. As a bodaboda driver, mama ntilie, machinga, or any hustler in Tanzania - you earn your money through sweat. But what happens when you get sick? When your child needs hospital care? When an accident happens?
Hospital bills can wipe out weeks or months of your hard work in just one day.
The good news? Affordable health insurance exists for informal workers like you - and you can pay using mobile money, small amounts at a time.
Why Informal Workers Need Health Insurance
The Reality for Informal Workers:
One hospital visit can cost TSh 200,000 - 500,000 or more
You have no sick leave - no work means no money
You might borrow money at high interest rates or sell assets
Delaying treatment makes illness worse and more expensive
How Milvik Makes Insurance Easy for Hustlers
Milvik understands that informal workers need flexible, affordable options that fit your life.
Pay via Mobile Money
Use M-Pesa, Tigo Pesa, Airtel Money - easy payments from your phone
Affordable Premiums
Plans that fit your budget - protect yourself without breaking the bank
Quick Activation
Get covered fast - no long paperwork or office visits needed
Milvik Insurance Plans for Informal Workers
Milvik offers different types of insurance to protect you and your family:
1. Hospitalization Insurance (Bima ya Kulazwa)
Covers you when you need to stay in hospital. Perfect for accidents, surgery, serious illness.
What's Covered:
- ✓ Hospital admission costs
- ✓ Surgery and operations
- ✓ Medicine while in hospital
- ✓ Doctor and nurse fees
2. Telemedicine Service (Daktari wa Simu)
Talk to a qualified doctor 24/7 from your mobile phone - no need to travel or lose working hours.
Perfect For:
- ✓ Quick medical advice
- ✓ When you can't afford to stop working
- ✓ Children's health questions
- ✓ Follow-up after treatment
Real Stories from Workers Like You
Joseph - Bodaboda Driver, Dar es Salaam
“I had an accident and needed surgery. Without hospital insurance, I would have lost everything I worked for. The insurance covered TSh 800,000 in hospital costs. Now I always have coverage.”
Mama Grace - Street Food Vendor, Mwanza
“My daughter got sick at night. I called the telemedicine doctor from my phone - it saved me transport money and time. The doctor told me it was serious and to go to hospital. Early treatment saved her life.”
Why Traditional Insurance Doesn't Work for Informal Workers
Problems with Traditional Insurance:
❌ Pay Everything at Once
TSh 192,000+ per year upfront is too much for many informal workers
❌ Long Paperwork
Complicated forms and office visits during working hours
❌ No Flexibility
Can't adjust coverage when income varies month to month
❌ Hard to Understand
Complex terms and conditions written for office workers
✅ Milvik's Solution:
Flexible mobile payments, simple process, and insurance designed for people who hustle every day.
How to Get Started with Milvik Insurance
3 Easy Steps to Get Covered:
Choose Your Plan
Hospital insurance, telemedicine, or both - pick what you need
Pay via Mobile Money
Use your phone - M-Pesa, Tigo Pesa, or Airtel Money
You're Protected!
Get your coverage immediately - peace of mind for you and your family
Don't Wait Until It's Too Late
Most informal workers only think about insurance AFTER getting sick or having an accident. By then, it's too late and medical bills have already destroyed your savings.
Smart hustlers protect themselves BEFORE problems happen.
- A small premium now saves you from huge hospital bills later
- Keep working without worrying about medical emergencies
- Protect your family's future
- Get medical advice anytime without losing working hours
🔥 Special for Informal Workers
Milvik understands your hustle. We made insurance that works for YOU - affordable, flexible, and mobile-first.
MILVIK Health Team
Making quality healthcare accessible to all Tanzanian families