Renee Ngamau, co-founder and President of CheckUps Medical Hub, has been a passionate advocate for human rights and women’s economic power for over two decades. Through her leadership in social impact initiatives, health, and fintech, she has worked to address the barriers to economic power, particularly for women in low- and middle-income countries.
In this Q&A, Ngamau shares her insights on the link between women’s health and economic power, the vision behind launching CheckUps Medical Hub, and the essential role that leaders in the public and private sectors can play in shaping policies that consider women’s health as a key lever for women’s economic power.
Q. What inspired you to launch your social impact, health, and fintech start-up – CheckUps Medical Hub, and how have you seen its impact extend beyond improving healthcare access to financially empowering women?
A. The World Bank reports that 50% of economic growth differentials between developing and developed nations are attributed to poor health and low life expectancy. Healthcare access must be holistic – encompassing nutrition, hygiene, finance, and education. At CheckUps COVA, we focus on three key barriers: resources, finances, and time. By providing accessible outpatient care and flexible payment solutions, we’re helping bridge this gap, particularly for women who often must choose between earning an income or seeking healthcare. Moreover, we appreciate that women care for many people, not just direct family members. We allow the sharing of benefits with whoever they nominate – African style.
Q. Health is a human right that is denied to many living in poverty. What steps can be taken to address the issues at the nexus of health, economic power, and development?
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A. Studies show that chronic illness in families creates a devastating cycle of reduced earnings and increased expenses. When 40%+ of the population faces these health-poverty barriers, development stagnates. The solution requires three fundamental catalysts: access, safeguard, and control. Expand access to information, proper nutrition, and tools of production. Safeguard people’s ability to produce and be paid dignified wages for their production. Ensure people can control, preserve and grow their resources without bias or discrimination. Success demands both enabling policies and supportive initiatives. Not addressing these interconnected factors, perpetuates ill health, poverty, uneven development, and trapped potential in an increasingly impatient populace.
Q. What role can leaders in the public and private sectors, philanthropy, and development play in driving conversations and advocating for better health policies that support women’s economic power? Additionally, what are some key policies that should be prioritized to ensure women’s health is integrated into broader economic empowerment strategies?
A. Four critical policy shifts are needed. First, make healthcare caregiver-accessible through delivery-based models rather than facility-dependent care. Second, eliminate gender bias in medical treatment – studies show women’s pain complaints are downgraded 90% of the time, while men’s are upgraded 80% of the time. Third, financial policies must recognize women’s proven reliability – in lower-income countries, women show 90% loan repayment rates compared to men’s 46-67%. Let us grow women-owned medium to large-scale entrepreneurs. Fourth – equal pay for equal work. These changes and workplace policies supporting women’s roles as earners and caregivers will catalyze true economic power.
Q. Looking ahead, what do you envision as the future of women’s economic power and what role will quality, affordable, and accessible healthcare play? How can individuals and organizations best contribute to this vision?
A. We’re revolutionizing healthcare distribution across sub-Saharan Africa through CheckUps COVA, making quality care accessible when and where it’s needed. Inspired by Grameen Bank’s success in Bangladesh, our model combines AI-powered diagnostics with flexible financing solutions. The goal is to ensure women never have to choose between work and health, effectively breaking the cycle of poverty and poor health outcomes. Institutions and individuals can begin by auditing their personal, business, workplace and national policies to identify and eliminate discriminatory practices that, whether consciously or unconsciously, maintain systems that disadvantage women—50% of the population—simply because of their biology.
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