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In Tanzania, health insurance is not as self-evident as it is with us. What if a woman falls ill or one of her children is ill? She will spent her money then on medicines and repaying the loan is not possible for a while. Pamoja Nguvu wants to overcome this by having every woman take out health insurance when she receives a loan. She can insure herself and her family for a year for € 15. Pamoja Nguvu facilitates this and also pays half of the premium as a kind of welcome for the woman. When she has paid off her loan properly, she will also receive the remainder of the premium as a gift.