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Segmentation of India's population by household income (Source: Wharton Finmart Research Report (2017)

Segmentation of India's population by household income (Source: Wharton Finmart Research Report (2017)

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India is poised on a renewed growth path and several new initiatives are a brainchild of this vision. Programs such as Skill India, Digital India, and Make in India are certain key strategies for driving growth and sustainable socio economic development. The base of the pyramid sector is predominantly characterized by people with very low incomes;...

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... However, the Spanish Flu had a much milder impact on economic activity since the modern day lockdowns were not observed in the 1918s, the measures were limited to social distancing and wearing of masks etc. due to lack of adequate date and repositories, the St. Louis Fed report opined that it was the retail businesses that suffered heavy setbacks. However, at that point in time it was a fear of the virus among the people, more than government restrictions, was a major reason for self imposed restrictions then and likely the biggest driver of loss of revenue then [2]. Another cause could be the structure of the economy a century ago. ...
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The Covid-19 pandemic has triggered a lot of studies on its impact, the way in which countries managed or coped with the issues arising out of the pandemic, and so on. While countries had several lessons to learn in terms of speed and thrust on leapfrogging digital capabilities and also creating a super-fast crisis access team in health considering the intensity and surge in numbers that needed critical care globally, the fact of the matter is that it is the low income category of the population of every country that had to suffer the most hardships. In this paper, the researchers study a set of this base of the pyramid population through a mixed approach, to understand the severity and impact that the pandemic and its associated restrictions and government measures had on the population.
... Sustainable development is about improving the life of everyone everywhere and achieving all those things together but it is also about the details that means we want economies growing companies to get people to have decent jobs. 9 [9]We want to create new technologies but not by harming the environment. We want everyone to have access to nutritious food, affordable education for everybody not too few. ...
... About 300m people in India live on less than $2 per day (purchasing power parity) (Raj and Aithal, 2018) forming the BoP population category for the country. It is this large BoP population that promises a huge potential market for social health insurance but at the same time does not have proper access to quality healthcare services (Černauskas et al.,2018). ...
Article
Purpose Social health insurance framework of any country is the national identifier of the country’s policy for taking care of its population which cannot access or afford quality healthcare. The purpose of this paper is to highlight the strategic imperatives of digital technology for the inclusive social health models for the BoP customers. Design/methodology/approach A qualitative exploratory study using in-depth personal interviews with 53 Indian health insurance CXOs was conducted with a semi-structured questionnaire. Using MaxQDA software, the interview transcripts were analyzed by means of thematic content analysis technique and patterns identified based on the expert opinions. Findings A framework for the strategic imperatives of digital technology in social health insurance emerged from the study highlighting three key themes for technology implementation in the social health insurance sector – analytics for risk management, cost optimization for operations and enhancement of customer experience. The study results provide key insights about how insurers can enhance the coverage of BoP population by leveraging technology. Social implications The framework would help health insurers and policymakers to select strategic choices related to technology that would enable creation of inclusive health insurance models for BoP customers. Originality/value The absence of specific studies highlighting the strategic digital imperatives in social health insurance creates a unique value proposition for this framework which can help health insurers in developing a convergence in their risk management and customer delight objectives and assist the government in the formulation of a sustainable social health insurance framework.