01 Workforce health · Pakistan · Est. 2007
Naya Jeevan is a registered health insurance intermediary. We design, place and run workforce health programmes for the retailers, distributors, sales forces, farmers and factory workers who move your product — and for the families who depend on them.
02 Selected corporate partners
03 Programme
Every worker in your organisation sits at a different rung of the income ladder and needs a different health architecture. We design each one separately, then run them all under a single employer dashboard and a single point of contact.
01
The standard of care your head office enjoys, extended to the factory floor, the distributor's warehouse and the retailer's counter — third-party contract workers included.
02
The cooks, drivers, housemaids, guards and gardeners who keep households running are almost never insured. Enrolled in minutes, on the same terms, at household scale.
03
Out-patient care without the travel, the queue or the lost shift. Our doctHERs programme also returns qualified female physicians — long excluded from the workforce by social and mobility barriers — to practice from home.
04 Delivery
Most workforce health programmes fail quietly — the card goes into a wallet and stays there. Ours are built around the opposite outcome, and the field work that produces it.
Bulk onboarding for corporate supply chains, digital enrolment, and Urdu-first activation for every worker — third-party contract staff included. Relationship managers work the field in person during rollout.
Cashless hospitalisation across the provider network, 24/7 access to a doctor, e-pharmacy and diagnostics. Claims are vetted by a medical team, then a finance team, and reimbursed in three to five working days.
Preventive screening camps, health education in the language your workforce speaks, and an emergency rescue fund — so that a health shock never becomes generational debt.
Members sign in with the one number every Pakistani worker already has — their CNIC — to submit claims, track status and manage coverage. Bilingual throughout, with the helpline a tap away.
05 Evidence
88%
Eighty-eight per cent of covered workers on our programmes actually use their benefits. That number is not built with software alone — it is built with relationship managers in the field who care whether the card in someone's wallet ever gets used.
Retention
“I knew he was going to leave. I just did not know what to do.”
A distribution manager, on the sales representative who left for an extra Rs. 5,000 a month. Benefits a worker's family can feel are the cheapest retention lever available.
Field account, client programmePrevention
“One reading stopped everything. 240/150. He was 34.”
A routine screening camp, a blood pressure at emergency level, and a worker who had no idea. The screening did not save him from a disease. It saved him from a moment.
Preventive screening camp, on-site programmeInclusion
“A room of women with hearing disabilities — an interpreter for every word.”
A health session run with sign language interpretation, so that not one person in the room was left to guess at what her own coverage meant.
Women's health session, partner factory06 Impact model
Set the slider to your workforce size. This is an illustrative planning model — we build a costed, underwritten projection for your specific headcount, sector and risk profile during consultation.
1,000
Workers plus dependants, at a 3.7× household factor
Modelled against baseline sick-day loss at this scale
Value returned per rupee of premium deployed
07 Network and governance
We do not carry the risk ourselves. We structure and administer it with licensed insurers and takaful operators, then hold them to the service standard your workforce was promised.
Insurance and takaful partners
Cashless hospital and diagnostic network
Institutional and industry partners
Coverage placed with licensed insurers and takaful operators under SECP-regulated arrangements.
Electronic medical records held under role-based access, supporting continuity of care.
Licensed doctors, nurse practitioners and healthcare professionals review every consult and claim.
08 Next step
We will come back with a costed coverage design, an implementation timeline, and the reporting your board will want to see.