NAYA JEEVAN is the emerging world's first health plan for the marginalized and committed to sustainable socioeconomic empowerment at the bottom-of-the-pyramid.

Problem

In Pakistan and India, at least 800 million earn less than $3 a day. Like other developing nations, South Asian governments spend just 1.7%-3% of GDP on a woefully under-resourced, overwhelmed public health sector. Consequently, 97% of all health care expenditures occur out-of-pocket and ‘catastrophic’ medical expenses (e.g. for heart attacks, pregnancy complications, etc) are a major precipitant of generational poverty. The three priority issues that low-income, marginalized populations have to contend with are: (i) Access, (ii) Affordability and (iii) Quality.

Solution

An entire ecosystem of multiple hybrid value chains (HVCs) can be structured around multinational corporations that can potentially serve the needs of approximately 660 million lives globally (including 50 million uninsured lives in the US). Both contractors, small businesses and SME employees that are integrated in the supply chains of MNCs can be protected under a national scale health insurance plan catalyzed by the corporate sector that rewards suppliers, distributors, retailers, customers, etc. with affordable access to quality healthcare, co-financed by the corporation as part of a loyalty/incentive program. A good illustration of the above is our ongoing project with Proctor & Gamble (P&G) where P&G’s distributors are in the process of identifying the top 40,000, high-performing small-retailers across Pakistan. These small retailers and their employees/dependents will all be enrolled in the NAYA JEEVAN health plan as part of a tiered loyalty/incentive program.

Exemple

NAYA JEEVAN’s accessible, affordable, quality healthcare plan for underserved communitie has been cascaded by Kansai Paints (a Japanese industrial/residential paint company) to over 200 small business painters who lie at the end of Kansai’s supply chain. Kansai has financed the annual health insurance program costs ($30/life/year) of these painters and their dependents in a tiered loyalty/incentive program in which the corporation has fully subsidized the health insurance plan of their loyal customers. This model can be replicated globally with a varying degree of Corporate co-financing/subsidy which is contingent on: (i) the strategic value of these supply chain partnerships (ii) the cost of the health plan in that specific market and (iii) the impact on their bottom line – i.e increased revenue/sales per dollar invested in this loyalty program NAYA JEEVAN’s health insurance plan includes: • Annual medical check-up, which promote the early detection of disease • A 24-hour telemedicine helpline managed by doctors available to all beneficiaries to handle any concerns or emergencies that may arise. • A Health Rescue Fund, which assists beneficiaries for uninsurable conditions or when their hospital management/health care exceeds the maximum annual insurance coverage. • Preventive Health workshops that detail the causes, symptoms, treatments and prevention against most common maladies to allow individuals to be better able to protect themselves and their families. Our workshops include: Healthy Heart – Keep your Heart Happy & Nutrition – How to Eat Right

Marché

NAYA JEEVAN collaborates with MNCs to cascade our health plan to their 3rd party contract staff, through their corporate supply chains (e.g. retail pharmacies) or to the domestic, household staff of corporate employees. NAYA JEEVAN's potential competitors include large health insurance companies, but we have strived to pre-empt this competition by positioning ourselves as their customer. Emerging academic partnerships with research universities allow for the rigorous assessment of both the financial, social and environmental impact of this cross-border initiative. This enables us to prototype novel ideas/approaches in a real-world community setting while developing an evidence-based approach to transforming lives through health.