investors mindset - liquidity we all want liquidity. it makes us feel ‘safe’ liquidity to us...
TRANSCRIPT
Investors Mindset - Liquidity
What’s Reality…!!
~ 60% Indians pay for health from their own savings
Indian Population – Access to Health financing - 2014
Huge Untapped Segment :
The middle market – Termed “Savers” who ,
‘Pay-as-they-go” for health.
Source: Government Sponsored Health Insurance - Are Source: Government Sponsored Health Insurance - Are you covered? Gerard La Forgia and Somil Nagpal; World you covered? Gerard La Forgia and Somil Nagpal; World Bank 2012, Table 3.1Bank 2012, Table 3.1
Another Reality !!
Existing health insurance covers only hospitalization costs
27.9%
72.1%
Split of total health spend, India, 2013, %
100% = Rs 400,000 cr • The character of health spending has changed and shifted towards outpatient.
• Health insurance products have not kept up.
• One has to”Pay from Pocket” for ~72%+ of one’s total medical expenses.
Outpatient costs, Drugs, Diagnostics
Hospitalization costs
Source: National Sample Survey Source: National Sample Survey Organization of India (NSSO)Organization of India (NSSO)
So what’s the solution
Keep cash at home
Keep cash in bank @ 4%
Put in Instruments that give good Returns + Liquidity
OR
Presenting
The Wealth2Health proposition
Functions like a normal FD when the customer is well
Pays for healthcare expenses when ill
A deposit that comes with a card – ‘Deposit Card’
Customers can use the card to pay for Health Expenses , at designated hospitals/diagnostic centres
Instant loan against FD is created.
No need to break FD. No loss of interest
The Power of the Card
DOC ‘ROUND THE CLOCK
Cashless access to any empanelled hospital
Cashless access to any empanelled hospital
Rs 1 lac, accidental death insurance – first
depositor
Rs 1 lac, accidental death insurance – first
depositor
24/7 access to a doctor on ‘phone
24/7 access to a doctor on ‘phone
Advice on which hospital to choose
Advice on which hospital to choose
Access to neutral, ‘second opinion’
Access to neutral, ‘second opinion’
5 to 25% discounts on tests and hospitalization5 to 25% discounts on
tests and hospitalization
All This At No Extra Cost
Too Good to be True !!Too Good to be True !!
So How Does It Work
Some Terms..
All This Made Possible thruthru our Health Services Partner:
Holding Company of (erstwhile) TTK Healthcare TPA
Administers 1.9 cr lives, pan India, for health insurance
6600 hospitals, 1500 diagnostic centers network; 800 cities
Strong customer service platform – Mobile App / SMS / Email
Wealth2Health – WIFM (The Investor)!Wealth2Health – WIFM (The Investor)!
Minimum Deposit: Rs 25,000/=
Privilege: Senior Citizens, Armed Forces Personnel, Widows, DHFL Home Loan Customers & DHFL Shareholders
The Value Proposition in summary…
People give their Health to create Wealth. Wealth2Health returns the favour
Customer DHFL Broker
Q&A
Thank You