nurturing new life in the emerging world
TRANSCRIPT
NURTURING NEW LIFE IN THE EMERGING WORLD
CONTENTS
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Mission Statement
Healthcare In Pakistan And India:
An unacceptable status quo and Naya Jeevan’s raison d’etre
Social Protection through Health: Empowering Vulnerable Families
Naya Jeevan’s Multinational / National Corporation Model: An innovative
model of social entrepreneurship
Why should your corporation participate in blueCHIP™?
blueCHIP™: Providing low-income families with affordable access to
catastrophic healthcare
Social Impact
“For to be free is not merely to cast off one’s chains, but to live
in a way that respects and enhances the freedom of others.”
Nelson Mandela (1918 - )
NAYA JEEVAN (www.njfk.org)
MISSION STATEMENT
(Naya Jeevan means ‘new life’in Urdu/Hindi. Naya Jeevan is a multinational,
not-for-profit organization that is dedicated to rejuvenating the lives of underprivi-
leged families families throughout the developing world by providing them with
affordable access to catastrophic healthcare.
HEALTHCARE FOR UNDERPRIVILEGED FAMILIES IN PAKI-
STAN AND INDIA:
An unacceptable status quo and Naya Jeevan’s raison d’etre
Infant/child and maternal mortality in
South Asia remains unacceptably high
with rates as high as 12-15 times the
US Infant/child mortality rates. A large
number of these deaths are preventable
and are largely due to lack of access to
affordable primary or tertiary healthcare
(examples of such diseases include acute
diarrheal illness, acute respiratory tract
infections, post-partum complications,
malaria and tuberculosis).
In addition to their debilitating effect on
health and wellness, medical calamities
often precipitate generational poverty
among the millions of vulnerable people
in the emerging world. In South Asia, the
public healthcare infrastructure is unable
to address the scale of the existing need.
Direct access to quality healthcare is cost
prohibitive and health insurance cover-
age is commercially designed for more
affluent corporate beneficiaries. Naya
Jeevan was created to address this gaping
void in innovative healthcare financing
that would ultimately improve family
health and reduce infant/child mortality.
“The greatest thing in this
world is not so much
where we are, but in which
direction we are moving.”
Oliver Wendell Holmes Jr. (1841 - 1935)
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NURTURING NEW LIFE IN THE EMERGING WORLD
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HEALTHCARE FOR UNDERPRIVILEGED FAMILIES IN PAKI-
STAN AND INDIA:
NAYA JEEVAN (www.njfk.org)
While the increasing economic prosperity (as gauged by increasing % GDP
growth) of both Pakistan and India is a matter of national pride, a testament to
the ingenuity and talent that exists within and a positive externality of sound fiscal
policies, the benefits of this economic boom is not being experienced by over
300 million impoverished children who remain deprived of the opportunity to
lead a normal, healthy life. Naya Jeevan was created to fill this gaping void.
SOCIAL PROTECTION THROUGH HEALTH: EMPOWERING VULNERABLE FAMILIES
Naya Jeevan’s ultimate goal is to empower
socio-economically families throughout
the emerging world by providing them
with social protection through affordable
access to quality catastrophic healthcare.
As part of this goal, a key objective is to
catalyze a new system of social protec-
tion through collective social responsibility,
i.e. to enlist key stakeholders – corpora-
tions, corporate employees, low-income
industrial workers and semi-skilled or
unskilled domestic labor, etc to participate
in a paradigm-shifting health insurance
program. The social protection that is
envisioned includes:
(i) mitigation of urban child labor
(ii) reduction of infant/child mortality at-
tributable to acute infectious diseases.
“If a free society cannot help the
many who are poor, it cannot
save the few who are rich.”
John F. Kennedy (1917 - 1963)
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NURTURING NEW LIFE IN THE EMERGING WORLD
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YEE FAMILY CARD
NJFK MNC/NC
HOSPITAL
HEALTH-CARE
FAMILIES
Access to quality health-
care delivery networks
COLLECTIVE SOCIAL RESPONSIBILITY
EMPLOYEE LOW INCOME
EMPLOYEE
(iii) reduction in incidence of HIV infections in
children exposed to child prostitution, sexual
exploitation, sexual abuse, etc
(iv) reduction in the incidence of recreational/addic-
tive substance abuse
(v) reduction in maternal mortality attributable to
emergent pregnancy complications
While the increasing economic prosperity (as
gauged by increasing % GDP growth) of both Paki-
stan and India is a matter of national pride, a testa-
ment to the ingenuity and talent that exists within
both countries and a positive externality of sound
fiscal policies, the benefits of this economic boom is
not being experienced by over 300 million impov-
erished children who remain deprived of the oppor-
tunity to lead a normal, healthy life. Naya Jeevan was
created to fill this gaping void.
Naya Jeevan’s Objectives
Provision of affordable access to catastrophic •
healthcare for at least 100,000 socio-economi-
cally disadvantaged lives in India and Pakistan by
2010 and for 500,000 lives by 2013, including
300,000 children.
Reduction of child and mortality rates by 20% •
within the group enrolled in the blueCHIP™
program in India and Pakistan by 2013.
Endorsement of at least 30 Multinational (MNC) •
/national companies (NC) to participate in our
blueCHIP™ shared health insurance plan by
2010 and at least 100 MNC’s/NC’s by 2013.
NAYA JEEVAN (www.njfk.org)
Achievement of at least a 40% participation rate amongst corporate employ-•
ees of organizations actively enrolled in the blueCHIP™ program by 2013.
WHY SHOULD YOUR CORPORATION PARTICIPATE IN blueCHIP™?:
Recruitment & Retention: It is becoming increasingly difficult to recruit and retain
highly-skilled, top-performing employees just through financial incentives within
the equity range prescribed by corporate policy. Additional ‘perks’ are required to
reward your valuable employees.
Productivity: If a corporate officer’s domestic help (e.g. driver, maid, nanny or
cook, etc) suffers a catastrophic health incident, their incapacitation can have a
direct impact on your employee’s productivity (e.g. picking kids up from school,
caring for/feeding baby/infants at home, etc). The potential value of the loss in
corporate productivity far exceeds the cost of participating in blueCHIP™.
Social Responsibility: It is no longer acceptable for corporations to reap profits
from emerging markets without investing in the social development of the com-
munities in which they do business. More than ever before, corporations are
expected to engage in good ‘corporate citizenship’ by helping local neighborhoods
and markets thrive. Enabling the underprivileged to fully participate in the global
economy makes not only good business sense by creating consumers of the fu-
ture, but it is also, morally speaking, the right thing to do.
“Ever tried? Ever failed?
No Matter, try again, fail again,
Fail better.”
Samuel Beckett (1906 - 1989)
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NURTURING NEW LIFE IN THE EMERGING WORLD
blueCHIP™: PROVIDING LOW-INCOME FAMILIES
WITH AFFORDABLE ACCESS TO CATASTROPHIC
HEALTHCARE Naya Jeevan will launch an innovative
“micro” health insurance product called
blueCHIP™ (basic life sustenance under
emergency Corporate Health Insur-
ance Program) targeting a vast, untapped
population of low-income employees of:
corporations; multinational (MNC) •
and national (NC)
corporate employees (e.g. domes-•
tic staff such as maids, cooks, etc,
employed by corporate officers/
managers)
blueCHIP™ provides these low-income
employees with affordable access to
high-quality catastrophic healthcare cov-
erage (e.g. heart attack, trauma, stroke,
pediatric emergencies etc).
Naya Jeevan has designed blueCHIP™ to
optimally:
leverage existing distribution channels •
and healthcare networks
utilize the readily available, well-struc-•
tured, operational processes of the
insurance carrier as well as quality
health services provided by creden-
tialed hospitals/healthcare providers
use economies of scale (the poten-
tial low-income customer base is at
least 40 times the size of the current
corporate customer pool) to drive
down the overall costs of health
insurance in the marketplace which
NAYA JEEVAN (www.njfk.org)
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“When we do the best that we can, we never know what
miracle is wrought in our life, or in the life of another.”
Helen Keller (1880 - 1968)
will benefit all customers (corporations,
corporate employees and end benefi-
ciaries)
Naya Jeevan is collaborating with one of
South Asia’s largest health-insurance carri-
ers to provide heavily subsidized coverage
for catastrophic healthcare for low-income
employees and their families (all unmar-
ried children under 18 and spouse). The
out-of-pocket cost to a low-income family
of 5 (2 adults and 3 children) will be only
$3.50 per month or 65 cents per child per
month!
The novelty of blueCHIP™ lies in its cost-
sharing paradigm - insurance contributions
will be made by
the end-beneficiary (low-income em-•
ployee)
the beneficiary’s employer (corporate •
officer) as well as
the multinational/national corporation•
All healthcare services will be provided by
credentialed hospitals/healthcare providers
while all insurance benefits will be admin-
istered directly by the health insurance
carrier.
Social Impact:
Naya Jeevan’s social value creation is
generated from its role as a catalytic inter-
mediary - the symbiotic bridge that con-
nects a vulnerable population of millions of
low-income children and their parents to a
previously inaccessible catastrophic health
care system.
YEE FAMILY CARD
NJFK MNC/NC
HOSPITAL
Access to quality
healthcare deliv-
ery networks
COLLECTIVE SOCIAL RESPONSIBILITY
EMPLOYEE
HEALTHCAREBENEFITS
FAMILIES
DOMESTIC EMPLOYEES
NURTURING NEW LIFE IN THE EMERGING WORLD
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“You must be the change you
want to see in the world.”
Mahatma Gandhi (1869 - 1948)
Naya Jeevan intends to protect children by providing catastrophic health insurance cov-
erage to the entire family, such that should a catastrophic health event befall the primary
bread winner in the family, the children are secure and need not leave school and aban-
don their life’s dreams by having to enter the workforce. There should be a noticeable
impact on child and maternal mortality rates and poverty alleviation by providing desti-
tute families with catastrophic health insurance coverage. This should also be reflected in
a progressive improvement in the macroeconomic indicators for the target population
participating in blueCHIP that will be further reinforced as Naya Jeevan scales up.
There are indirect social benefits accruing to corporations providing this coverage to their
associated low income families. Employee attrition is expected to decline and there will
be increased employee satisfaction resulting in increased productivity and increased social
welfare.