CARVAN (COFFLE FOR GOOD HEALTH)

Small and Medium Enterprises (SMEs) play a major role in driving the economy of a country. Their role in terms of contribution to exports, production, and Employment is quite substantial too. Pakistan, being a developing country, owes a significant chunk of its GDP to SMEs. There are almost 3.3 million Small and Medium Enterprises in Pakistan and 78% employment of the non-agricultural labor force.

But unfortunately only few SME’s in Pakistan were providing Health Facilities to their employees. While facing current economic crises even they stopped providing these employment benefits and it is almost impossible for a common man to afford good quality medical treatment on his own pocket. If an employee requires any medical attention he has to borrow a loan or left the treatment in middle, both scenarios put them in even more worst situation. This problem has to face more than 15 million SME employees in their daily routine in Pakistan.

Another big challenge is lack of insurance awareness which cause non-utilization and employer discontinue that after some time while he thinks that this is useless.

We built a technology enabled micro health insurance system and subsidized it with the cooperation of top insurers in Pakistan and creating more value of it through our Karwan's medical insurance team and digital platforms for SMEs and their employees as an example Physical insurance awareness session at employee's workplace, surveillance health screenings, online preventive medical workshops, 24/7 medical helpline, insurance claim facilitation & work on prevention on seasonal and pandemic diseases. 

We urge to decrease poverty level by providing good quality healthcare system for SME employees and their families. For that, we want to expand our subsidized digital micro health insurance program for low-income SME  employees and their families. 

If an employee have access of quality healthcare system for the whole family, he can work with mental piece and produce better results, which helps to over all the economy but mainly it helps toward good healthy society. This healthcare system also saves the money of employee which one can spend on the education of their children and other expenses for better future of the family.

We have more than a decade experience under micro health insurance industry, our representative visits the organization and understand the healthcare needs of their employees according to the work nature. Than our insurance expert's team design a best possible insurance product for them and negotiate subsidized cost with insurer. Finally once both employer and insurer mutually agreed, we (Karwan e Shifa) wrap that insurance product with added healthcare services.

1. Our representative visit's the SME corporate office or factory and asses the healthcare needs of their staff according to the work nature and other demographics

2. Karwan's insurance expert design a relevant insurance package for their staff and families and than negotiate it with all top insurers on best possible subsidized cost 

3. Once both employer and insurer mutually agreed on insurance product, Karwan's field team start their work

4. Our trained insurance team conducts insurance awareness session at employees workplace and brief them about the usage how, when & where to make sure the maximum use of it.

5. Start enroll employees at our mobile application and give access to them individually to see what benefits they have. 

6. Karwan's medical team again visits the workplace of employee and conduct health screening session to detect un-diagnosed disease and arrange the best treatment solution to avoid any mishap for his family (this early detection helps not only to employee but to insurer and employer as well). That screening and treatment detail available to employee only (on his smartphone through Karwan's mobile App).

7. Our team of doctor's provide video medical workshops through same mobile app, social media, vlogs on different health issues and seasonal diseases.

8. we have our own insurance claim team who helps all enrolled members to get insurance claim on time.

9. 24/7 medical helpline available for all registered members, they can get assistance in any medical emergency situation.

We are trying to engage and connect with more healthcare service providers and develop new additional features in our mobile application such as Tele-medicine, team of online doctors, GPs and specialist to enhance the capability of mobile app and create more value for registered members.

We are looking for IT support (mainly) and network of GPs and doctors. In addition we are looking marketing solutions to attract more SMEs and corporates towards this complete healthcare solution.