NURTURING NEW LIFE IN THE EMERGING WORLD

NAYA JEEVAN (www.njfk.org)


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 - )


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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HEALTHCARE FOR UNDERPRIVILEGED FAMILIES IN PAKI-

STAN AND INDIA:


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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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.


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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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


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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


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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.


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NURTURING NEW LIFE IN THE EMERGING WORLD

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