It all began in 2002 in Pune, when we were a small group of development practitioners and
from France, working together on livelihood financing of low income families in the urban
of Pune, were searching for appropriate health insurance solutions against the backdrop of an
death of a woman member post hospitalisation. We got a representative from an insurance
to talk to our women members. Uplift’s origin’s lie in the insightful conversation that
then when a woman member asked this commercial insurance company representative as to what
happen to the money she paid to them, if she did not fall ill. When the representative said
in such an event, the money would stay with the company, she replied “it means then, that we
benefit only when we are sick, and will have no interest in being healthy because when we are
you are the one to benefit”.
Awestruck by the common sense displayed by the member we decided we needed more information
what people want in health than just bringing ready-made solutions. A team of actuary
from France were then invited to study health financing needs of about 900 families in the
of Pune. The findings again made it clear that current insurance solutions would be of little
as families wanted to know the right doctor, the right treatment and the right cost. We
that if ever we wanted to setup a meaningful health insurance solution for these families’
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
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
in setting up mutuals with local communities who were stakeholders on the Board of Uplift.
phase saw Uplift working with different communities’ setup about 9 different mutuals across
rural and tribal geographies.
After more than a decade (2004-2016) of building the mutual risk reduction programme that has
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
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
It invites communities, groups of families to join mutual health risk sharing seamlessly without
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
The Uplift model today consists of two legal entities Uplift India Association a Sec 8 Not for
and Uplift Mutual Development and Aid Society a Public Trust registered under the Bombay Public
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
There have been many volunteer actuaries who have come down all the way to Uplift and helped Uplift
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 a 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, a cooperative insurance company from Canada is supporting the ICMIF 5-5-5 support
to Uplift Mutuals.
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 link
Uplift Mutual participated in the 2nd Tech cohort of the Nudge Foundation.
Founder and Director of Uplift, Kumar Shailabh was recognized as an ASHOKA fellow for his multi
community, multi geography, centralised health protection model.