NAYA JEEVAN, visant à améliorer la vie des populations à faible revenu des pays émergeants en leur offrant un plan de sante

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NAYA JEEVAN, visant à améliorer la vie des populations à faible revenu des pays émergeants en leur offrant un plan de sante

PakistanÉtats Unis
Type d'organisation: 
le secteur de la société civile
Phase du projet:
Développée à grande échelle
$250,000 - $500,000
Sommaire du Projet
Lancement Important

Bref récapitulatif : Aidez-nous à présenter cette solution ! Fournissez une explication en seulement 3 ou 4 phrases.

NAYA JEEVAN, est la première ONG visant à améliorer la vie des populations à faible revenu des pays émergeants en leur offrant un plan de sante de qualité.

About Project

Problème : Quel problème ce projet essaie-t-il d'adresser ?

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: Quelle est la solution proposée? S.v.p soyez précis!

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.
Impact: How does it Work

Exemple : Faites nous découvrir comment cette solution fait la différence en utilisant un ou plusieurs exemples concrets ; en incluant aussi ses activités principales.

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 : Qui d'autre adresse les problèmes mentionnés ici ? Comment ce projet diffère-t-il de ces approches ?

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.

Histoire de votre fondation

The founder and CEO of NAYA JEEVAN is Dr. Asher Hasan, an ASHOKA fellow who strongly believes in the universal right to healthcare. Raised in the UK where everyone has access to healthcare, Asher was troubled to see the disparity in access to quality health care in Pakistan and India on his frequent trips to the subcontinent as a child. The poor living conditions of the base-of-pyramid (BOP) population coupled with complete lack of sanitation and poor hygiene awareness led to rampant infectious disease and maternal/infant mortality. Given his training as a medical doctor in the US, Asher was exposed to the best and worst aspects of the US healthcare system and felt there must be a better way to finance and deliver quality health care. He resolved to try a new approach to healthcare accessibility and financing for low-income families which would bring about a unique convergence of CSR, social entrepreneurship and institutionalized citizen philanthropy.
A propos de vous
A propos de vous




A propos de votre organisation



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Pays dans lesquels ce projet crée un impact social

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Depuis combien de temps votre organisation opère-t-elle ?

1‐5 années

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Depuis combien de temps le projet existe-t-il ?

En place depuis 1 à 5 ans

Parmi les propositions suivantes, laquelle décrit le mieux les obstacles que votre projet tente de surmonter ? Jusqu'à deux réponses possibles

Accessibilité, Qualité.

Impact social
Décrivez le but de votre initiative, en insistant sur les résultats que vous souhaitez obtenir

By scaling this “health plan for the marginalized”, our organization aspires to help developing countries such as Pakistan make progress towards the UN MDGs by significantly decreasing the rate of preventable maternal and neonatal deaths and infant mortalities/morbidities.

Other business objectives include:
• Poverty alleviation – by reducing the financial impact of catastrophic medical expenses
• Reduction in Maternal/Child Mortality - through timely intervention and 24/7 access to ambulances, medical doctors, ERs, trauma centers, etc.
• Improvement in Primary Health Outcomes - through preventive health education and behavioral change workshops

• Mitigation of Child Labor/Sexual/Physical Abuse - healthy breadwinners will enable
children to

Jusqu'à ce jour, quels résultats a obtenu votre projet ?

NAYA JEEVAN has successfully enrolled nearly 14,000 low-income members from over 100 corporations and SME organizations. Our member profile consists of five sectors: the corporate, academic, NGO, and SME sectors plus the informal domestic household staff sector. Amongst our newest enrollees are approximately 7500 NGO school children, faculty, and staff.
We have already enabled over twenty critical, life-saving interventions and over 1500 urgent medical consultations by mobile phone.

Other indicators of success would be improved health and socioeconomic outcomes in our beneficiary population. These outcomes are being monitored closely over time and will likely take 2-5 years to demonstrate a substantial effect. In the interim, surrogate markers such as decreased incidence of infectious disease and e.g. time from medical helpline call to revascularization in unstable angina patients should be indicative of positive health outcomes.

Quelles sont vos prévisions en termes d'impact au cours des cinq prochaines années ?

Over the next five years, NAYA JEEVAN plans to replicate its “HMO for the Marginalized” health plan model in neighboring countries including India, and the UAE. There is also a possibility that we may grow by franchising our model or entering into joint ventures in other developing markets such as South Africa, Indonesia, Philippines, etc.
(i) NAYA JEEVAN plans to replicate its health care model in India followed by the UAE. There are large pools of low-income laborers in the UAE who have family members/dependents back in India and Pakistan. These workers can be a a very attractive target market to sponsor the health care of their loved ones.

Quels sont les obstacles qui risquent de freiner votre projet ? Comment pensez-vous les surmonter ?

Barriers to the success of NAYA JEEVAN include a cultural/national mindset of ‘guilty until proven innocent’
Another major barrier is the legacy of a post-colonial, hierarchical, social structure that discriminates against low-income workers – especially informal, household employees such as drivers and maids, etc. Thanks to globalization and the internet, nowadays workers are much more aware of their labor rights and no longer submit to the abuse that was perpetrated on them in the past. Beyond this, NAYA JEEVAN continuously challenges this informal system of ‘socioeconomic apartheid’ between rich and poor as part of its corporate value system.

Les meilleures propositions possèdent un programme solide détaillant leurs prévisions pour atteindre et suivre leurs objectifs de croissance. Identifiez vos objectifs à 6 mois pour accroître vos résultats

Enroll 25,000 lives over next 6 months across 125 organizations

Définissez les trois tâches principales à accomplir pour atteindre ces objectifs à six mois
Tâche 1

1. Increase awareness about NAYA JEEVAN around Karachi, from multi-national companies to other NGOs and urban slums

Tâche 2

2. Run fundraising campaigns to enroll marginalized children of NGO schools into our health plan

Tâche 3

3. Launch the P&G supply chain initiative with an initial target enrolment of 10,000 lives

Et maintenant, voyez les choses en plus grand ! Identifiez vos objectifs à 12 mois

Enrollment of 100,000 lives across 250 organizations

Définissez les trois tâches principales à accomplir pour atteindre vos objectifs à 12 mois
Tâche 1

• Open regional offices in Lahore and Islamabad

Tâche 2

• Activate the Pakistani diaspora in US, UK, UAE to enroll their dependents/relatives in our health plan in Pakistan

Tâche 3

• Increase the amount of doctors on staff to cater to increased number of beneficiaries

Quels sont vos différents partenariats ?

NAYA JEEVAN partners with major insurance companies such as Allianz-EFU who underwrite our health plan for the marginalized. In addition, NAYA JEEVAN has collaborated with Unilever, GSK, P&G, Pfizer, Deutsche Bank and others in terms of delivering value-enriched services to our low-income beneficiaries. NAYA JEEVAN is also a member of the World Economic Forum/Schwab Foundation, Clinton Global Initiative, TED, the Aspen Network of Development Entrepreneurs (ANDE), the Ariane de Rothschild Fellowship and Ashoka and seeks to leverage these networks to enhance the social impact it is making.

Actuellement, votre projet cible-t-il d'autres populations, lieux ou marchés spécifiques ? Si oui, lesquels et pourquoi ?

Our beneficiaries are predominantly from low income marginalized communities (average income less than $5/day), which inhabit urban slums. These communities typically retain archaic social taboos regarding diet and obesity (which is often viewed as a sign of prosperity and not disease), limited access to health care for women, family planning/contraception, and numerous other health related issues. Previous efforts to provide medical care have ranged from mediocre to none with little government assistance, intervention, or representation.

Quel environnement et quels facteurs organisationnels internes font la réussite de votre projet ?

NAYA JEEVAN leverages corporate distribution channels which results in a win-win partnership for the beneficiaries, MNCs, supply chains and the overall healthcare ecosystem.

The health insurance industry in Pakistan (and many other developing countries) is still in its nascent stages but growing at a robust 35%-40% per annum. This positive 'halo effect' is conducive to NAYA JEEVAN's rapid growth.

NAYA JEEVAN's internal corporate values are encompassed by the acronym 'RISE ABOVE' which embodies R- Respect, I - Innovation, S -solidarity, E - Entrepreneurial, A - Action-oriented, B - Beneficence, O = Open, V - Vocal and E - Ethical

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