Solution Overview & Team Lead Details

Our Organization


What is the name of your solution?


Provide a one-line summary of your solution.

We want to expand our existing subsidized digital healthcare program for underprivileged blue-collar employees and their families

What specific problem are you solving?

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.

What is your solution?

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. 

Who does your solution serve, and in what ways will the solution impact their lives?

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.

How are you and your team well-positioned to deliver this solution?

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.

Which dimension of the Challenge does your solution most closely address?

Build fundamental, resilient, and people-centered health infrastructure that makes essential services, equipment, and medicines more accessible and affordable for communities that are currently underserved;

Where our solution team is headquartered or located:

Karachi, Pakistan

Our solution's stage of development:


How many people does your solution currently serve?

We are currently serving to 9,460 employees & their families of 126 SMEs

Why are you applying to Solve?

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.

In which of the following areas do you most need partners or support?

Technology (e.g. software or hardware, web development/design, data analysis, etc.)

Who is the Team Lead for your solution?

Syed Irfan Ali Zaidi (CEO)

More About Your Solution

Which of the following categories best describes your solution?

A new business model or process that relies on technology to be successful

Please select the technologies currently used in your solution:

  • Software and Mobile Applications

Which of the UN Sustainable Development Goals does your solution address?

  • 1. No Poverty
  • 3. Good Health and Well-being
  • 8. Decent Work and Economic Growth
  • 9. Industry, Innovation, and Infrastructure

In which countries do you currently operate?

  • Pakistan

In which countries will you be operating within the next year?

  • Pakistan
Your Team

What type of organization is your solution team?

Hybrid of for-profit and nonprofit

How many people work on your solution team?

3 Full time members & 3 part time members

How long have you been working on your solution?

2 years

Your Business Model & Funding

Do you primarily provide products or services directly to individuals, to other organizations, or to the government?

Organizations (B2B)

Solution Team

  • Mr Syed Irfan Ali Chief Executive Officer, Karwan e Shifa
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