It all began in 2002 in Pune, when we were a small group of development practitioners and volunteers
from France, working together on livelihood financing of low income families in the urban slums
of Pune, were searching for appropriate health insurance solutions against the backdrop of an unfortunate
death of a woman member post hospitalisation. We got a representative from an insurance company
to talk to our women members. Uplift’s origin’s lie in the insightful conversation that happened
then when a woman member asked this commercial insurance company representative as to what will
happen to the money she paid to them, if she did not fall ill. When the representative said that
in such an event, the money would stay with the company, she replied “it means then, that we would
benefit only when we are sick, and will have no interest in being healthy because when we are healthy,
you are the one to benefit”.
Awestruck by the common sense displayed by the member we decided we needed more information about
what people want in health than just bringing ready-made solutions. A team of actuary volunteers
from France were then invited to study health financing needs of about 900 families in the slums
of Pune. The findings again made it clear that current insurance solutions would be of little use
as families wanted to know the right doctor, the right treatment and the right cost. We realized
that if ever we wanted to setup a meaningful health insurance solution for these families’ access
to quality health care would be an indispensable part of the design.
These two critical insights laid the foundation of the Uplift model that today bases itself in mutualising
the risk (and not transferring it to a third party) and reducing the risk through an ecosystem
of health services approach. From BOT (2004-2015) to BOO (2016 onwards) We started as an experiment
in setting up mutuals with local communities who were stakeholders on the Board of Uplift. This
phase saw Uplift working with different communities’ setup about 9 different mutuals across urban
rural and tribal geographies.
After more than a decade (2004-2016) of building the mutual risk reduction programme that has setup
9 local mutuals across urban, rural and tribal geographies with over 300,000 people covered by
it, Uplift has now embarked on scaling the mutual to about a million new lives by 2022 using an
intensive risk reduction approach that includes a centralised risk pool.
Uplift’s Biradaree Model offers mutual as a platform, for different communities to share their health risks.
It invites communities, groups of families to join mutual health risk sharing seamlessly without having
to invest upfront in the setting up and the management of mutual health microinsurance
It seeks to spread risks across communities across geographies making it a robust risk sharing model
The Uplift model today consists of two legal entities Uplift India Association a Sec 8 Not for Profit Company
and Uplift Mutual Development and Aid Society a Public Trust registered under the Bombay Public Charitable
Trust Act 1860.
To understand the Biradaree model watch our educational video in Marathi
Over the years, individuals, organisations have supported Uplift directly- indirectly in its mission to
bring mutual health solutions to low income families in its decade old journey. These include ATIA, MACIF
(France) ,the erstwhile ILO Microinsurance facility, the ILO STEP (New Delhi).There have been many volunteer
actuaries who have come down all the way to Uplift and helped in its pricing and risk management strategies.
The International Cooperative and Mutual Insurance Federation , the largest association of mutual and cooperative insurers
worldwide, under its 5-5-5 Strategy to bring 5 million households in five countries over five years is
supporting Uplift Mutuals in its endeavour. ICMIF has provided Uplift with an
financial support to increase its health mutual aid programme to cover over half a million lives. This
grant will help Uplift expand its ecosystem of Out Patient Clinics, Health Care Network, 24X7 Helpline
and increase its mutual aid outreach to poor families starting from the slums of Pune and Mumbai. The Cooperators from Canada, the LF from Sweden and Achmea from the Netherlands are the mutual insurance
companies that are supporting the ICMIF 5-5-5 support to Uplift
Tieto India, is a subsidiary of TIETO Corporation, Finland ,a leading IT service company in Northern Europe providing IT
and product engineering services. Uplift's relationship with Tieto goes back
to about a decade. This CSR support from Teito has helped Uplift develop in house web based Management
Information system called UTTAM that has been the corner stone of Uplift's technical strength in offering
data rich systems in Mutuals. Currently Tieto and Uplift are jointly working on developing a state of
the art mobile app to bring the entire experience on mobile. To know more about TIETO follow this