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Health Attention Of Underprivileged Children HEALTH INSURANCE AND Social Good care Essay

In Sept 2000, representatives from 189 member says of the US met at United Nations headquarters in New York and used the Millennium Declaration, a series of collective priorities on peace and security, the eradication of poverty, the surroundings and human protection under the law.

Following this declaration, a couple of eight goals, the Millennium Development Goals (MDGs) were used as the blueprint to attain noticeable results and enhance the lives of individuals in expanding countries by the prospective night out of 2015.

The eight MDGs include specific, measurable targets and timelines, for developing countries as well for donor countries, civil modern culture organizations and financing institutions such as the World Bank. All nations decided to embark on specific follow-up measures to ensure that these goals were achieved in their own countries and commitments have been made to fund these initiatives.

The MDGs' Priorities for Children

Each child is born with the to survival, food and diet, health and shelter, an education, and to involvement, equality and safety. The MDGs are specially very important to the well-being of children: they enhance health; quality education; cover against misuse, exploitation and violence.

Our report concerns the following millennium development goals:

Goal 1: Eradicate Extreme Poverty and Hunger

Extreme poverty hinders children's usage of nutrition, health care and education. Providing children with basic education, healthcare, nutrition and cover fulfills their privileges, increasing their likelihood of survival and of a profitable future.

Goal 2: Achieve Universal Primary Education

Educating children is a tool to attain all the MDGs. Primary education also contains the education of health where it is taught how to look after health as prevention is better than stop. Especially because many children in Pakistan have the propensity to fall sick frequently and so cannot continue their education. So so you can get education the child's health should be safeguarded at all costs.

Goal 6: Fight HIV / Products, Malaria along with other Diseases

Diseases undermine the development in the third world countries - malaria, measles, polio and tuberculosis cause the fatalities of an incredible number of children who do not have good diet, sanitation or healthcare. We are able to prevent this greatly by promoting long-term key health education and providing them with medical health insurance to safeguard their futures.

What is Principal Health Care?

Primary health care is a essential and an indispensable care of your wellbeing and it is also a basis of medical care system which involves providing several primary primary level services to individual individuals and communities, via a team of medical researchers, consultants and different doctors.

Primary HEALTHCARE is dependant on 4 Key Pillars:


PHC is approximately working in clubs to provide beneficial healthcare facilities to communities and specific, and to enhance the continuity of treatment. In addition, it diminishes duplication by making sure your usage of proper health professionals.


PHC provides improved adroitness of information between doctors and widened usage of information and using modern tools like electronic health information and diagnostic devices to progress the eminence, gain access to and coordination of health information.


PHC gives you greater access to the right services when and where you will need them.

Healthy Living

PHC believes in your better health care and targets prevention, serious conditions, and stimulating support for self-care.


Insurance is reduction by health issues or physical harm. It facilitates you with a myriad of bills from Medicare to all kind of medical center expenses. Health insurance can be straight purchased or can get to any particular employee.

Importance of Health Insurance

Health insurance provides health in an affordable method for you and your loved ones including your Medicare and family security from the lofty payment of professional medical.

(Almost never medical charges can be monetarily devastating and young families pull through from such debts in a certain long period).

Protects Your Future

When someone gets insurance of his car or home, they signify to protect their family and themselves from financial victims. Insuring your wellbeing is identical to that. Health care is way much costly than an insurance of other things.

Read the reality below:

The average cost of a vacation to the er for a grown-up is approximately $700, excluding any medical center facilities, which might increase the expenses to well over $1, 000

A damaged leg can cost up to $7, 500

Average bills for childbirth are up to $8, 800, and more than $10, 000 for C-section delivery

The total cost of a hip replacement unit can run a whopping $32, 000

Above instances acoustics scary, but with the right plan, one can protect Himself from the majority of these and other types of medical charges.

Gets You the Care and attention You Need

Many people who don't have health insurance does not get the medical care they need. That is because they are concerned about the best treatment expenses. The main element of beneficial health insurance is usage of a sizable network of doctors and private hospitals.

Read the H. I benefits below:

Quick and quick access to desired medical needs.

Peace of mind during a difficult experience because one knows they may be covered.

Affordable usage of health care and health information to keep you glee and healthy

Is There A Need For Health Insurance In Pakistan?

In Pakistan and India, at least one third of the 1. 3 billion lives in metropolitan hubs and of this population estimated 400 million earn significantly less than $3 a day. The Pakistani government use just 0. 9% of its GDP on health and even India uses only 1 1. 9% of its GDP over a woefully under-resourced, inundated open public health sector. Thus 97% of all healthcare outlays occur from out-of-pocket and "catastrophic" medical costs and treating major diseases in low priced are a primary precipitant of cohort poverty.

Major MEDICAL HEALTH INSURANCE Providers (Underwriters) In Pakistan

Allianz EFU Health Insurance

Adamjee Health Insurance

IGI Health Insurance

United Insurance Company of Pakistan

Asia Care

Pak Qatar Takkaful

Health care for the underprivileged

Developing countries are overwhelmed by effort of under diet and a bunch of viruses. Outbreaks of diarrhoeal diseases give a difficult steer to the poor hygiene of the city (clean and safe normal water is a wish for millions even now).

In many countries health care is provided jointly by the government and the private sector, but the handful of general population health institutions are the only hope for the needy people. The services of hostipal wards are not sufficient of the considerable bulk of society belonging to the low-income zone. The private area is apparently concerned only in remedial medication and these nursing homes and clinics are essentially run with a produce aim aside from a handful of society that operates on charitable basis. We cannot blame the ex - group as it is not their duty to offer free healthcare to the indegent.

Many agendas aimed at the pub of transmissible diseases are run in under developed countries with the help of WHO, but even these agendas failed to give needed result. The reasons for the failing of these national health agendas are multi factorial; the vital being is the lazy loom by the government officials implicated in putting into action the agendas.

(Rarely beneficiaries get significantly less than 1% worth of what is imagined in the agenda).

Consequently, the deprived of Pakistan are sacrificing trust in the medical industry on the whole. The reason why can be summed up the following:

Lack of money in the general public health sector

Lack of resources and equipment in government hospitals

Lack of spur in government hospitals

Lack of most important health education

Poor usage of services

Improper personnel recruitment in government hospitals

Rampant illiteracy

Inappropriate allocation of funds

What is Naya Jeevan?

NAYA JEEVAN is a not-for-profit sociable enterprise dedicated to enhancing the lives of low-income family members.

Naya Jeevan works in cooperation with corporate, academic, and non-profit institutions so a new influx of communal responsibility can be catalyzed that can then be leveraged to understand a positive ecological outcome for all those stakeholders.

Naya Jeevan believes that philanthropy shouldn't be a transient, ad-hoc event but be institutionalized as a completely integrated part of society.


To provide underprivileged children and their own families throughout the rising world with quality and affordable access to catastrophic medical.


Reduction in poverty and mortality rates due to serious infectious diseases and insufficient timely treatment.

Reduction in disease outbreaks scheduled to lack of preventive care and attention.

Reduction in the incidence of recreational/addictive drug abuse.

Reduction in maternal mortality due to emergent pregnancy issues.

Mitigation of urban child labor and child exploitation.

Collective Community Responsibility through joint partnerships with the organization, non-profit, educational and service areas.

Integrated public empowerment of the reduced income population.

Business objectives to catalyze an ecosystem effect

Poverty alleviation

By minimizing the financial impact of catastrophic medical expenses

Reduction in maternal/child morality

Through timely intervention and 24/7 access to ambulances, physicians, ERs, trauma centers, etc.

Improvement in major health outcomes

Through preventive health education and behavioral change workshops

Reduction in substance/drug abuse

Through rehabilitation workshops and usage of treatment centers

Mitigation of child/labor/sexual/physical abuse

Healthy breadwinners will allow children to stay in institution and from premature labor

Naya Jeevan Value Added services:

24-hour medical hotline:

24/7 access to a professional medical doctor

Help with navigating the complicated world of hospitals

Help with statements management, arrangement and trouble-shooting

Beneficiary orientation (Training)

Animated interactive display at consumer premise by a qualified medical doctor (same set of doctors who deal with the helpline).

Managing targets - what is covered, what's not, where you can go, usage of hospitals

Case based cases scenarios

Building of rapport and trust with beneficiaries

Access to subsidized OPD and pharmacy network

Quality checks on standard of treatment at the treating hospital

Health awareness periods (Workshops)

Primary healthcare workshops on issues such as

Healthy Heart

Hand Hygiene

Dental hygiene

Nutrition and Weight Management

Anti-smoking/ tobacco & oral issues

Annual health check-ups (Screening process)

Head to toe examination at client's premise

No compromise on working hours

Early identification of diseases and management

Aggregate Annual Health Record of employees (a health-o-meter of the business)

Targeted Preventive Health Workshops predicated on the findings

Health insurance of underprivileged NGO schoolchildren - job overview

In February 2011, Naya Jeevan began on the impressive notion of insuring the health of children that fell under the umbrella of other NGOs. The idea was to provide quality medical to these children as these were willing to review but an illness or an injury incurred by them or a member of family could potentially put an end to their dreams permanently. Furthermore, most of these children didn't have any understanding about primary health care, or about means of protecting against/ mitigating common illnesses widespread in their locality. Thus they might end up heading to untrained pros with insufficient or no skills for treatment of such illnesses/ accidents, further exacerbating not only the medical problem at hand but also the unstable financial conditions of their families.

Project Impact

This project was created to provide quality healthcare to underprivileged schoolchildren who cannot manage quality health which include primary health care.

Importance of Access

Most children are healthy. Some may ask, therefore usage of health care is very important to children. In a few important ways they may be distinct in age groups. For health services they can be entirely reliant on their adult caregivers, and are unaware from the benefits of health care and its benefits.

Children's health needs are also significantly not the same as those of adults. With enough time children cultivated with an instant change and it could lead them to get ill or get damaged during their activities and when those diseases or incidents are not treated well so they can leave a huge affect on the child's physical and psychological development.

The type, cruelty, and rate of health conditions that children practice also differ from adults. Children's can experience a wider selection of health issues if not need been taken care and attention well and even though certain youth conditions are quite mild in single instances, they may have the inclination to lead to life-long disabilities.

For example, persistent ear infections, if unchecked, can lead to hearing impairment, and possibly learning disabilities.

The Limits of Insurance

Children have an advantageous impact on access when extending medical health insurance to low- income. This does not mean that children will undoubtedly have full access to health care, especially the deprived ones.

Insured low-income children use fewer services than the richer, covered by insurance children. Moreover, poor children with insurance are less likely to visit a private physician's office and utilize community health centers, compared to their better-off counterparts. There are a number of known reasons for these dissimilarities.

The groups of poor children with insurance face nonfinancial fences to healthcare that insurance cannot address, including transportation, child treatment, inconvenient location of services, and service time that issue with work. Children of immigrant people may face additional barriers, including an inability to speak in their principal language, fear of exile, and ethnic conflicts with American medicine.

Therefore, providing insurance without creating a delivery system to serve the needs of low-income children does not have to produce the required outcome of much better access to quality healthcare.

NGO Schools under the Naya Jeevan health plan

The project is a pilot to try out health insurance in NGO academic institutions across Pakistan. In 2011 Naya Jeevan enrolled 8, 334 NGO college children in the plan in the united states. Participating Colleges are

Manzil College, Karachi

Zindigi Trust, Karachi

IISAR Base, Karachi

DIL Classes, Khairpur

Mashal School, Islamabad

Manzil Institution (Karachi):

Manzil is a Non-Profit Organization providing free education to children in the slum regions of Karachi. You start with only 20 students in 2002, today Manzil has around 200 students who are being prepared with the highest quality of education, useful knowledge, skills and work ethics. It really is situated in Quarter No1. Railway series near Bath Island Clifton. Manzil was started by way of a PhD student at CBM Ms. Shazia Mirza, after she witnessed the socio-economic divide in the region. She lived near the slum in a well off area and her house maid originated from Raitee Series Bastee. Sensitized by the proximity of the other world, she started out the institution in a one room book from her pocket money. The majority of the community/bastee is ethnically conservative Pathans. The earning of the trust of this community has been one of the major successes of the initiative.

Zindagi Trust Universities (Karachi):

Zindagi Trust's program educates children who work in the metropolitan slums of Pakistan. With nearly 2800 students, a 2. 2-time accelerated major education course is taught to the kids who spend the majority of their days and nights toiling in car-repair retailers & other standard stores in Karachi, Lahore & Rawalpindi. Permission is desired from the students' parents and employers before signing up them in the free colleges to ensure success. The usage of Government Buildings permits a proper school experience with classrooms and blackboards.

Right now Naya Jeevan is providing health intend to seven such academic institutions in Karachi.

IISAR Groundwork (Karachi):

IISAR was founded in 1990 by Prof. Dr. Ahmed Saleem Siddiqui, with an try to impart & promote quality education regardless of variances. IISAR is a world class center having concentrations in teaching and research, revelation-based knowledge and technology-based learning over the full range of the social, political and economical sciences. It's a non-profit group and comes with an fantastic reputation for educational excellence.

Mashal college (Islamabad):

Mashal is a self-funded university (i. e. registered trust), composed of of 406 children in classes which range from nursery to category 8. These children face hardships at home, as well as at work, when selling items such as flowers, shopping bags and sweets, and cleansing cars on the streets. They have got little choice, but to make it through independently in the company of gangs on the road. They are vulnerable to misuse and exploitations of all forms. Despite the majority of the children's distressing past experiences, through the assistance of Mashal School, they could triumph over their inhibitions and eventually create a sense of trust and dignity that allows them to finally live their lives as children and have got a deserved sense of owed.

DIL classes (Khairpur):

Developments in Literacy (DIL) has been employed in Khairpur Area, Sindh, since 1998. DIL's quest is to overcome illiteracy in the remote, underdeveloped regions of Pakistan by opening non-formal principal and middle institutions for women. DIL hopes to break the entrenched public taboos against feminine literacy by dealing with the areas and slowly but surely empowering young girls to boost their future potential clients through education. However it is only easy for a child to focus on their studies when they are in a sound body. Education does not only include learning how to learn and write but also the knowledge of how to look after one's self and make one's life better. Thus DIL has embarked on a quest to improve both health and nutritional status as well as lessen the levels of literacy in the kids of Khairpur.

PLI coverage:

In 2011 with co-operation and research we released Profit and Loss Insurance (PLI Plan). The difference between the PLI Coverage and the standard insurance coverage can be described by analogy of credit and debit. In classic health insurance for the price of the top quality you get a binding promises from the insurance provider to cover claims under the program. A group may have paid 50, 000 PKR in rates but used services as high as 100, 000 PKR. On the other hand they client may never have used any services and have lost all the money in the prime. A managed health care/PLI model is similar to a debit credit card. You spend what you have and the insurance provider charges a charge with the. However, if you have any money left over, it is taken over to another season unlike the rates. Also, because it is your money you can make which boasts you want to stay in spite of them being coverage exclusions.

During this pilot year of micro-health look after children Naya Jeevan has tried to evaluate the effectiveness of both models. The total coverage limit for both was place at 50, 000 PKR for the inpatient and the rest of the money used as a pool for outpatient expenditures on the reimbursement basis.

Pictorial Representation:

Number of institution children:

Number of boasts:

Health Understanding Services provided by Naya Jeevan:

Aga khan anti-tobacco workshop:-

Naya Jeevan partnered with Aga Khan School and there team of doctors provided an anti-tobacco workshop at the universities. Lots of the children re addicted to some form of tobacco over there. Thus many have sub-mucosal fibrosis, which can be an irreversible narrowing of the oral cavity cavity anticipated to oral tobacco use. Two children were found to own pre-malignant dental lesions. AKU provided this workshop cost free.

In-house preventive health workshops:-

Naya Jeevan believes in principal healthcare protection. Children can not be in the best health if indeed they don't have information about the condition process. Health care workshops participate in a minuscule interactive lecture series in cooperation with other corporate companions and the matters chosen are established upon the responses received.

Examples of medical workshops held as of yet are hand washing, dental and smoking/drug addiction, etc. Several workshops were sent by our Medical Services team, including "Healthy Heart", "Unfortunate Pearly whites & Happy Teeth", "Oral Hygiene" and "Hand Hygiene" at classes.

Re-fresher trainings:-

Trainings are also being given by Naya Jeevan to parents who come to attend regular parent-teacher meetings at the classes, and also to the teachers/ administrative personnel.

We have been executing refresher trainings in many of the NGO schools, and have come to realize, among many things, that it might be of great help if rather than visiting these academic institutions and delivering the trainings in person, we're able to have these academic institutions regularly play a video recording in our training whenever they had a substantial quantity of parents visiting the institution.

Challenges of the program

Data files are especially cumbersome. They are on hard duplicate and had to be re-entered into digital form. This requires a lot of time and effort. Even the cards' circulation is a difficult area as that they had to be delivered class wise.

Problems of unaffordability (both time and economic) of parents to attain the -panel network hospitals according to existing protocols is a major hurdle. Many children only put up with modest medical problems and need outpatient treatment. Therefore, collaboration with reliable hospitals in their vicinity is happening.

Language hurdle has led to poor retention of information up to now. Therefore, repeated refresher trainings received to parents and teachers in order that they may know the correct use of card. The small amount of rejected claims implies that re-fresher trainings were effective.

Lack of trust from parents was also a concern in the reimbursement process. Parents weren't sure we will reimburse the amount of money and that too within per month. Apart from this these were not comfortable in submitting original medical charges and receipts to us.

Lack of option of audio-visual equipment/ electricity/ adequate space in every school to support large sets of parents and teachers.

The insufficient interest shown by the teachers has been a major barrier. This has been solved by making them a stakeholder in medical plan also, with the knowing that they'll take responsibility of taking the business lead on making medical plan more comprehensive for the children.

The slow process of setting up cash in vicinity private hospitals: Up to now, Islamic International Medical Complex has been setup for Mashal Institution in Islamabad with strategies because of this model to be replicated to all or any academic institutions systems.

Keeping an effective school wise back-up of claims that may be proven to anyone who wants to access the information anytime.

Why We Chose Naya Jeevan

Naya Jeevan focuses on that require of the underprivileged people that is not fulfilled by any other NGO i. e. affordable health care. Therefore, by increasing recognition about the value of medical health insurance, and protection of basic medical and dental issues (that can cause devastating health-related and financial problems later), you can greatly impact the grade of life for many low-income people.

Need examination:

Through Naya Jeevan we designed to visit colleges and adding a workshop regarding health to kid. From this instruction the colleges were wanting that the kids will change their regimen that wuill help them to care for their health. Less tool was obtainable to present them that did not create children go totally aware with the health knowledge. We as health students have a lot of health understanding and of facts related to it which can be effortlessly distribute to prospects kids who are ignorant of diseases and health issues that need to be studied treatment of.

Materials and equipment:

Since these classes have no capital for organizing workshop we'd to assemble every source our do it yourself. All multimedia (audio system, projectors and display screen) were planned by Naya Jeevan. We arranged pictorial illustration and miniature stories regarding health and sent out among kids.

Our volunteer work

As Naya Jeevan provides workshop to class children to enhance the health education in and also to increase awareness of how to care for live. We volunteered with Naya Jeevan and stopped at one of the academic institutions and provided workshops. This is quite an interactive session and we provided workshops in small communities so that they may understand well. This is a significant good learning on their behalf and also for all of us.

The following are the workshops we ready and shipped for these schoolchildren:

Hand Hygiene:Description: http://t2. gstatic. com/images?q=tbn:ANd9GcQvwd7yWW5ALmEZzijVQp0qSPcJA3RH57G9IRZevZXWqafhPy7B

The Naya Jeevan Hands Hygiene workshop was developed to enlighten our valued beneficiaries about the importance of maintaining your hands clean as our hands will be the major tools that enable us to accomplish various tasks. At the same time it also assists as a main mode of transmission of various infectious agents.

The key learning goals of the workshop include:

When is it necessary to wash hands?

What will be the proper steps of hand washing?

What is feco-oral way of transmitting of germs?

What will be the important microbe infections that can spread through feco-oral course and how can they be avoided?

Duration: 60 minutes

Infectious Diseases:

In Pakistan, it's the communicable diseases constitute the majority of most conditions. Just lately we've seen epidemics such as dengue fever. Description: C:\Users\Zara\Desktop\imagesCAGJG6QU. jpg

This workshop discusses at length, the elimination and combat strategies for microbe infections such as typhoid, malaria, dengue, gastroenteritis, various varieties of hepatitis and other most widespread ones in Pakistan

Duration: 50 minutes

Dental Health:

Delivered by the dental practitioner, this workshop handles all the normal teeth issues that derive from poor oral health.

The dentist talks about the proper way of brushing tooth and the products like Paan, Gutka, betel nuts, cigarette etc that must be avoided to be able to maintain oral hygiene.

It also illustrates a few of the oral cancers that can result from use of addictive substances such as tobacco.

Duration: 30 minutes

Balanced Diet:Description: C:\Users\Zara\Desktop\diet images\imagesCAQNOBSE. jpg

A well balanced diet is one that includes the Advised Dietary Allowances, also called RDAs, for all the essential nutrients. These include proteins, fats, carbohydrates, vitamins and minerals.

The physician discusses the nutritional requirements (in calorie consumption) for individuals predicated on gender, age, vocation, exercise and co-morbidities.

Duration: 50 minutes

Sustainability of results

The project firmly inculcates the soul of giving back again and community proposal.

Diffusion of a fresh idea undergoes the next stages






Problems experienced:

The Schools got problems like

Non active participation of teachers by no personal advantage.

Language fence. We have to speak in easy language

Lack of incomplete resources

Building faith in children

Regulate in their atmosphere.

Schools were very thinking about having their children screened, especially eyeball and dental care screenings.

Children cannot afford the caring for their and were miserable that they can't even buy a toothpaste and will continue with tooth powder

The outcomes of these workshops:

Children specifically big children started out caring for their health

More calls started arriving on helpline regarding basis health information

These workshops created a great deal impact on the kids that in addition they informed their family about health.

There was a significant issue in the -panel hospital that hospital staff did not treated the indegent children well great deal of thought was an exclusive hospital. We visited these nursing homes and talked to those hospitals to take care of these children well.

After a week we got phone calls from schools that these workshop created a big impact and wanted us to design more workshop for the kids

The institution also reported us that these workshops created a large living difference and major difference were seen.

The college children used to consume a great deal of bubble gum and beetles. Following the workshop the school pointed out that 30% stopped consuming it.

It was also identified by the academic institutions that there must be refresher workshop as the children memory forget the things soon.

This is a new product that has required constant tweaking over summer and winter and training and re-training of the colleges.

NGO schools currently require very close and regular contact over summer and winter to encourage the uptake of services.

The product needs to be as simple as possible with cashless cards based services for everything including out-patient services. Re-imbursement situations have to be kept at a minimum.

Teachers have to be active stake-holders.

Conclusion and recommendations

All children need healthcare, whether for regular check-ups, for episodic health issues such as ear microbe infections, or for chronic conditions. Because health services are relatively expensive, children's access to care is basically dependent on whether or not they have health insurance. Unfortunately, too many children are not covered and for that reason, do not get needed care.

The health plan in the original format has not been successful. Naya Jeevan has quickly shifted in to adjust the initial plan and ensure that the children reap the benefits of their coverage. These include

Insuring the teachers to make sure they are a stakeholder in the children's health. Most teachers are from the same community as the school and so are the most crucial factor in increasing uptake of services.

Depositing cash at a close by identified network hospital is of fact. After the funds have been transferred, Naya Jeevan calls for some children with effective issues, one to two teachers and the institution admin to a healthcare facility. This allows for a first side demonstration of the process and in person introduction with a healthcare facility administration.


Health is the major concern of most countries. Majority of individuals who are neglected from the Under the guise of the need for more funds for basic development, the central and express governments are allotting less and less money for medical sector. As the governments backtrack on the dedication to provide healthcare to the city, the vacuum created will be substituted by the private sector and insurance businesses. The rulers should recognise that the best property and power of the nation is its populace which is healthy and vibrant. Why don't we all wait around hopefully for this new experiment to succeed.

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