ckickncare

There are about 10 million Bangladeshi workers around the world contributing USD 16.4 billion as remittance. However, they are unable to get quality healthcare in the host countries due to language- can't explain their health issues in foreign language, Cost- foreigners have to pay more, that hits their pockets, documentations- many do not have work permits, so restricted or no healthcare.

To address these, we have developed an online platform where workers can find a doctor who speaks their language using their smartphones. They can register and talk to a doctor and get the prescription on their mobile. Later can get medicines and do the necessary tests through our partners. 

It helps workers to take preventive healthcare thereby ensuring more work and productivity- which subsequently results in higher savings and remittance for Bangladesh. The insurance coverage planned will have positive impact on workers and their families in Bangladesh as well.

Currently we are working in Malaysia where about 2 million Bangladeshi workers are working. Our survey and other researches done by different organizations shows that the workers can not explain their health issues clearly in Malay or English. So the doctors face difficulties in diagnosis and that impacts the quality care. It is also found that 70% of the workers pay from their own pockets. The price for a foreigner is significantly higher. From different sources of information it is said that 60% undocumented workers live in Malaysia and these group can seldom access healthcare as they can not move freely or go to a healthcare center  as they are not able to produce any document or work permit. Sometimes they are in fear of being caught by police and immigration. 

It is evident from our survey and other statistics that almost all workers faces problem with the language and thus 80 % are hesitant to go to local clinics unless the problem becomes too serious.

However, 90% of workers have a smartphone. They have a fantastic spending behavior of monthly USD 25 for communicating with their family and friends back home. These are interesting enabling factors for our solution 

After the survey and research we designed the platform and tested within the communities in Malaysia. To better understand the challenges and also their willingness to use our platform we have conducted several events in different localities where the workers are based. In these events we have demonstrated how our solution help them in terms of healthcare access. We had our Bangladeshi doctors who are in Malaysia to be present at site during the event. We showed them how they register, top-up for the service, then talk to doctor using the application and finally the prescription and getting the medicine. 

In our model, the Bangladeshi Shops in Malaysia and some young Bangladeshi workers are our agents to sell our top-ups and scratch cards to the workers.

Whenever, the workers requires a healthcare service or advice they can buy the scratch card or top-up from the nearest shop or individual agent. Login to ClicknCare platform and choose the doctor online and start video consultation. Moreover, we deliver the medicines through our partner clinic and pharmacies so that they do not have to travel. This saves their time and money.

In our business model the revenue comes from two service packages namely ClickTalk -targeted mainly for undocumented migrant workers- with this pack they can directly talk with their native doctors and get the advice which previously was merely a dream for them, the other one is ClickDoc- a full consultation pack  developed for all types of Migrant Workers where Malaysian Registered native doctors provide the consultations. The customers pay for their services. These packages are available as top-up in their nearest shops and with individual agents. The price for ClickTalk is RM 10 and ClickDoc is RM35. We have 20% commission for the agents who sells the top-up and a fixed fee for the doctors which is RM 5 and RM 15 respectively.

The use of Smartphone in our target segment is encouraging. Though they are not aware of the best usage of it other than Social media such as Face book, Imo or WhatsApp. We have explored their behavior to use the ICT tools. They have been demonstrated through  events and camps in different concentrated areas about the service we have brought for them. So, it is easier for them to use the Smartphone during the break hours also. The flexibility of using the gadgets helps them to access healthcare services at their finger tips thereby saving time and money and employment.

We see that in future the use of technology will increase among the workers as they get the benefits of the service. There will be increased awareness of the platform, increased use of smart phone. The device marketers may join the business to market their product also in collaboration with us.

Our Unique Selling Point and competitive advantage is that we have addressed the Language barrier of the Migrant Workers, the restriction to access to healthcare services for the undocumented segment. Our platform addresses these problems where as others do not. 

So far, none of the Tele-medicine service providers around Asia has specific target for the Migrant Workers. We are the pioneer in this segment. We also different in the business model as we have introduced agent based model to address the un-banked target segment. 

In our solution each role has their pie of revenue and every one is digitally empowered.

Our target group is the Migrant Workers of any country. In our starting phase we have targetted the people of Bangladesh. These workers are sending a huge remittance back home and we find that it could be increased if they were provided improved health care. Many of these people did not take the health care due to language, cost and legal issues. There were digital platforms to address the health issues but for the White Color segment, there was no organization other than ours came to help them.

These people lack the awareness of digital services so does the economy. Still thousands of them use friends and co-workers to get solution to some problems while the solution is available at their finger tips. So the knowledge is the biggest barrier to digital economy.

Our Tele-health solution brings these migrants to use the digital platform and create awareness about the benefits of digital technology.  More number of people join our platform as health care is a basic need for everyone. 

1. We have been able to reach about 45000 workers through local events, Facebook and other social media. about 1200 workers have registered so far and 670 workers have taken the service while 25 have paid.

2. We like to serve about 70 000 workers in next one yer.

3. We like to serve 30 to 40% of our workers by year five. 

Our top three goals over the next year are: 1. Reach to 50% of Bangladeshi Workers about the service 2. Bring 10% workers on board to take the service 3.  Execute partnerships with all local Clinics and Pharmacies where the workers reside

Our vision is to become a unique Tele-health platform provider for the migrants around the Globe- be it Asia Africa or Europe. ClicknCare want to be Uber of Health in Five years time where any nationals can join in and consult any of their native doctors at an affordable rate in a simple way. We want to be the best enabler of existing technologies so that the Migrant workforce where ever they are and whatever devices they use can access the healthcare with ease.

 Current barriers:

1. Regulator (MoH) - restricted guidelines 
2. Awareness about service in the target segment
3. Hard to reach during day time
4. The Back4Good program to deport the migrant workers to their home country (Malaysia)

Future Barriers:

1. Government rolling-out e-Health services for All

2. Competition in the market

3. Connected health by Smartphone companies

Current barriers:

1. Regulator (MoH) - restricted guidelines - We are in very good relations with Department of Telehealth under MoH
2. Awareness about service in the target segment- We are arranging local events. However to reduce costs we are using FB and Youtube and other social apps to create awareness in the target community.
3. Hard to reach during day time- Through call center we plan to make outbound calls at night time. As this center will be operated from Bangladesh they can speak freely with our agents.
4. The Back4Good program to deport the migrant workers to their home country (Malaysia)- we are not worried as in future they would be replaced by legal workers. But if they are our clients we would look into their healthcare back in Bangladesh.

Future Barriers:

1. Government rolling-out e-Health services for All- we will maintain our good relations and be part of the program

2. Competition in the market

If competition comes and become a threat. In that scenario we look forward to collaboration with bigger local companies who would take the advantage of the first mover and protect our Intellectual Property Right to create barriers to entry for the competitions.

3. Connected health by Smartphone companies

Partner with Smartphone companies to bring more workers on board and use the integrated application to monetize for both partners.

Not Applicable.

The ClicknCare platform has a main function as Sales Agent for Foreign Workers. We like to redesign this function for Rural Entrepreneur in Bangladesh.In our proposed model the entrepreneur will establish a ClicknCare Village Booth where IoT devices for Tele-medicine (CMed potential partnership)will be connected to the platform. It will also have a automated mini lab and a pharmacy. So whenever there is problem a villager can walk in to the center and see the doctor online. They can get the medicine from the pharmacy and do the test in the mini lab. From Clickncare we will provide all technical support. We plan to partner with Government to use the Union Parishad Info Centers around the country and other private companies to establish the centers.

Besides this, we like to provide healthcare coverage to family members of Bangladeshi Workers. This will cover discounted services at our partner clinics and hospitals including the Village booths. The family members will also get insurance coverage under the micro-insure program that we plan to implement in future. 

Not Applicable

Full-time: 1

Part-time: 2

Advisers: 3

• Sultanur Reza: Founder CEO, 27 years of career experience in Telco, ICT, Oil & Gas and Health Industry. 10 years of experience with Tele-health and mHealth in Bangladesh, Myanmar and Malaysia. 
• Mir Rashedul Hossain: Co-Founder, has 20 years of career experience in Telco, FinTech and Micro- insurance.
• Dr. Nazmus Saadat: Technology Adviser. 12 years of experience in Software programming. Currently engaged with IoT,ML and AI in UniKL
• Dr Samir Kumar Paul: A physician with 30 years of experience and 12 years dealing with Bangladeshi migrant workers.
• Md Obaydul Haque: A PhD student in Malaysia. An experienced professional in community outreach. He has good connections with the community leaders of the target segments. 
• Sadman Sakeeb: Digital Marketing. A student in Business Administration in IUKL, Malaysia. Young energetic and expert in using Social Media Ads and Apps.

Both the Founder and Co-founder has worked together in Telenor for more than 10 years and executed 3 projects together. Sultanur Reza has extensive experience in this field. He is also a renowned ICT practitioner of Bangladesh.

We are partnering with a Clinic in Malaysia to serve our Bangladeshi workers. As per our MoU - we send the workers for investigation and medicine. We have a revenue sharing model with them on the sales for medicine and investigations.

Our target group is the Migrant Workers of any country. In our starting phase we have targeted the people of Bangladesh. These workers are sending a huge remittance back home and we find that it could be increased if they were provided improved health care. 

These people lack the awareness of digital services so does the economy. Still thousands of them use friends and co-workers to get solution to some problems while the solution is available at their finger tips. So the knowledge is the biggest barrier to digital economy.

Our Tele-health solution brings these migrants to use the digital platform and create awareness about the benefits of digital technology.  More number of people join our platform as health care is a basic need for everyone. 

In our business model the revenue comes from two service packages namely ClickTalk -targeted mainly for undocumented migrant workers- with this pack they can directly talk with their native doctors and get the advice which previously was merely a dream for them, the other one is ClickDoc- a full consultation pack  developed for all types of Migrant Workers where Malaysian Registered native doctors provide the consultations. The customers pay for their services. These packages are available as top-up in their nearest shops and with individual agents. The price for ClickTalk is RM 10 and ClickDoc is RM35. We have 20% commission for the agents who sells the top-up and a fixed fee for the doctors which is RM 5 and RM 15 respectively.

Our main cost drivers are the marketing and training cost for the stakeholders mainly the agents. Besides we have cost for commissions for agents, fees for Doctors and overheads for staff and call center. At this point of time our main revenue comes from the package fees paid by the customers. However, in very near future we like to get some commission from Pharmacy and Clinic.

Currently, we are seeking a funding or grant from investors or donors in a range of USD 125000 to USD 150000 to cover our cost for the following: (Figures in Malaysian Ringgit)

Current Application Improvement

20000

New App development

  30000

Talent Acquisition

200000

Marketing

150000

Training & Capacity Building

100000

TOTAL

500000

The equivalent USD is 125000.

In 1st year we serve about 70,000 patients generating a revenue of 200K USD with a net revenue of 75K USD. We want to grow at by 70% year on year and be at break even in 3 years time.

If we are winner in the challenge the money we get could be used for our development of App, Marketing, Capacity building and Team Building. This will help us to acquire customers very quickly and generate revenue. In future we would be able to expand to other countries as well,

Not Applicable.

We like to partner with Telecom operators, Pharmaceuticals, Hospitals, Mobile Money Service Providers and FMCG companies to use their distribution channels to grow in Bangladesh. For example by partnering with Pharmaceuticals we will be able to implement our proposed ClicknCare Village Booth very easily where we have pharmacy and lab included. While partnering with Mobile Operators and Mobile Money Service Providers it can ease the payment of our services.