Extending mutual microinsurance to 5 million uninsured households in five countries over five years.

Poonam Datta Gurav

Policyholder
Association/company: 
Uplift India Assocation
Country: 
India

In August 2016, Uplift set a new internal record by settling a claim within three hours, the claimant Mrs Poonam Datta Gurav shared her experience.

“My daughter had a fever since 4 o’clock in the morning. I visited a local doctor in my slum who prescribed some medicines. By the afternoon, my daughter’s condition worsened and she fell unconscious. I was completely distraught and didn’t know what to do next”.

She continues, “I recalled that I had a health card. I rang the 24x7 helpline and was guided to the nearest private network hospital. I just picked up my daughter and ran to the hospital. The doctors in the emergency department were waiting for us and had already been informed about my daughter’s medical history. This was a huge relief and I felt very hopeful. My daughter was admitted to the Intensive Care Unit (ICU) for four days. A week after discharge I submitted the hospital bills to the doctor through the community guidance centre. To my utter surprise, I received a call to collect my cheque within the next three hours.”

“The fact that I could rely on them [Uplift Mutuals] in time of crisis and was guided to the right hospital and did not have to take a loan for hospitalization is the biggest gain for me from the mutual model.”