NAYA JEEVAN

NAYA JEEVAN (New Life in urdu/hindi/sanskrit) is a social enterprise founded in California in 2007 that is dedicated to rejuvenating the lives of low-income families throughout the emerging world by providing them with affordable access to quality healthcare. Our initial focus is South Asia with ongoing operations in Pakistan. Over the past 2 years NAYA JEEVAN has enrolled over 16,000 beneficiaries across 100+ organizations. The social enterprise has expanded to a workforce of over 25 employees in Pakistan and generated approximately $360,000 in annual revenues in 2010. Every day we provide thousands of low-income Pakistanis enrolled in our NAYA JEEVAN health plan with affordable access t...

NAYA JEEVAN
74 Holmes Avenue
% Ashar Hasan Md Mba
Darien, CT 06820
United States
+92-21-3547-8439
http://www/njfk.org

Board of Directors

Saad Khan,Zulfi Jafri,Asher Hasan,Kalsoom Lakhani,Sania Nishtar,Sabeen Haque

Mission

NAYA JEEVAN (New Life in urdu/hindi/sanskrit) is a social enterprise founded in California in 2007 that is dedicated to rejuvenating the lives of low-income families throughout the emerging world by providing them with affordable access to quality healthcare. Our initial focus is South Asia with ongoing operations in Pakistan. Over the past 2 years NAYA JEEVAN has enrolled over 16,000 beneficiaries across 100+ organizations. The social enterprise has expanded to a workforce of over 25 employees in Pakistan and generated approximately $360,000 in annual revenues in 2010. Every day we provide thousands of low-income Pakistanis enrolled in our NAYA JEEVAN health plan with affordable access to quality healthcare in an ecosystem of socioeconomic empowerment. We do this because medical catastrophes trigger financial ruin for low-income families. Often their life-savings are wiped out, their children pulled out of school and condemned to urban child labor, perpetuating a vicious cycle of poverty. At NAYA JEEVAN we believe that every human being has intrinsic value and the potential to succeed if given the capacity, the opportunity and the necessary tools. We were founded with the ethos that the socio-economic apartheid that exists in Pakistan and in many other developing countries is simply unacceptable. We believe this can be tackled through a novel convergence of CSR, social entrepreneurship and compassionate capitalism. By integrating large, marginalized populations into the global economy, NAYA JEEVAN works with corporations and other organized institutions to be a catalyst of change. Business Goals: To Catalyze an Ecosystem Effect 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 Reduction in Substance/Drug Abuse - through rehabilitation workshops and access to treatment centers Mitigation of Child Labor/Sexual/Physical Abuse - healthy breadwinners will enable children to remain in school and away from premature labor

Programs

Our globally innovative health plan provides our low-income members (factory workers, domestic staff, janitorial staff, technical staff, sales force, administrative staff etc. employed or associated with organizations) with a subsidized health insurance plan underwritten by leading insurance companies (up to PKR 150,000 ($1800) annual coverage limit - benchmarked to cover cardiac bypass surgery across our network of 160+ nationwide private network hospitals). Our dedicated member services (24 hour medical hotline service, annual general health checkups and preventive health awareness campaigns and workshops) are available free of cost to all members. NAYA JEEVAN leverages corporate distribution networks, supply chains and human resources to distribute, market and co-finance our health plan for low-income beneficiaries. This serves the strategic interests of these corporations as part of their double bottom line and corporate social responsibility and leads to the development and empowerment of their future customers and markets. NAYA JEEVAN receives REVENUE in the form of insurance contributions from employers, financial sponsors, employees and beneficiaries. These contributions are usually received as annual payments in advance. Our COST is represented by health insurance premium payments that are paid out to insurance underwriters with a 25%-40% surplus retained to cover program costs (OPD medical services, Telehealth & Preventive Health Services) and other operational expenses. NAYA JEEVAN will achieve cash-flow positivity (sustainability) at 75,000 enrolled lives, projected conservatively for Q1'2013. Our "HMO for the Marginalized" provides low-income beneficiaries with careful administration, a GPS (general physician support) navigation/guidance system, on-time service delivery, quality control and comprehensive understanding of the NAYA JEEVAN health plan in an ecosystem of value-enriched preventive health, wellness and educational services. Our overall approach is to identify current gaps in the provision of healthcare and other critical social services to our core demographic, and partner with other service providers to bridge these gaps, e.g. we recognize that most low-income beneficiaries (especially those in the informal sector) do not have access to financial services, quality education, vocational training and skill development. Working with other corporate and NGO partners, we strive to provide these real, value-added services to our health plan members. NAYA JEEVAN wraps its health plans in a unique, hard-to-replicate shell of value-enriched services provided to the not-for-profit organization free of cost by corporate & NGO partners. Some of these services include: anti-smoking marketing campaign with Pfizer & NATC, sanitation/hygiene workshops with Unilever, cervical cancer prevention screening with GSK, art therapy workshops with NOWPDP, etc. Many of these corporate and NGO partnerships have been locked in and will be extremely costly to replicate for a for-profit entity.

Statistics on NAYA JEEVAN