Naya Jeevan will distribute its health microinsurance program through employer groups, promoting employer premium contributions as effective corporate social responsibility (CSR) and a sound employee retention strategy. The enrollment of contract employees in the small and medium enterprise (SME) sector will be facilitated by field enrollment officers. Corporate liaison managers will interface primarily with MNCs to encourage enrolment of contract employees and the domestic staff of higher income employees. The project will assess whether MNCs and other employer groups are willing to offer partial matching contributions in order to provide healthcare to contract employees and to incentivize higher income employees to insure their domestic staff.
All participants benefit not only from the health insurance protection, but also from the value-added services of a 24/7 medical hotline, an annual health exam, a rescue fund for uninsurable conditions and a variety of community health education activities. Naya Jeevan’s menu of value added services will be adapted during the life of the project to respond to the needs of participants.
The project will target the urban, working poor employed in both the formal and informal sectors, specifically, low-income contract workers earning $2 - $6/day in a variety of employer groups and domestic workers of higher income employees of multinational corporations (MNCs).
Date created: February 2012
Naya Jeevan, meaning “new life”, is a California-based not-for-profit organization with current operations focused on urban Pakistan. Naya Jeevan’s mission is to provide social protection to low-income families in an efficient and inclusive manner through a unique health microinsurance model. The model creates scalable partnerships with a variety of organized groups such as corporations, SMEs & academic institution to facilitate the enrollment of low-income employees and domestic staff of higher income employees into the Naya Jeevan health plan.
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