Digital Health for

Enterprises

Patented, integrated and

personalized OPD health benefits
platform

BANKING LEVEL SECURITY TRUSTED BY HUNDREDS OF EMPLOYEE FRIENDLY BRANDS

1
 Problems facing the OPD healthcare market

Highly Small Ticket, High OPD No Uniform

Fraud / Overuse
Fragmented High Frequency Premiums Experience
• Highly • OPD Claims are • Current • OPD premiums • Lack of
fragmented more frequent & reimbursement are priced higher uniformity in
network of lower ticket size model for claims due to the risk of customer
healthcare compared to IPD OPD is prone to over-utilization experience,
service providers Claims high fraud and no pricing and
in India experiential data claims process

Reactive model, Lack of preventive

Opportunity
Why Traditional Models Fall covering treatment care raises claims and
to embed preventive
Short? costs than preventing reduces policyholder
health solutions
health risks engagement.

2
 The Market Potential

Retail insurance growing at 22% CAGR, group

at 18%, and government at 13%

Ayushman Bharat Digital Mission: 588M+ health

accounts, 360M+ linked records

Premiums growing at 9% CAGR, driven by rising

medical inflation

Low Penetration Beyond Tier 1 Cities: 65% of

premiums come from Metros/Tier 1, leaving Tier
2+ markets largely underserved

Traditional Distribution Models Dominant: 65%

through agents, 25% through banks; low
adoption of embedded & digital insurance
models

3
 ekincare is the solution
The Future of Preventive, Personalized, and Data-Driven Health

Proactive health • Lower risk, Reduced claims, thus,

interventions improved underwriting precision

AI-powered health • Real-time insights into

risk analytics policyholders' health

• Embed health benefits in policies

Integration

• Nationwide diagnostics & wellness

Access
network

4
Largest cashless, integrated OPD health network in 300+ cities

24x7 teleconsultation Mental wellness

Round the clock general physician Round the clock support for online
support to address primary care counsellors with f2f offline support

Health screenings Ambulance

Schedule health checks across Access ambulance in less than 30
4000+ partners in 300+ cities minutes across 500+ cities

Medicine delivery Vaccinations

Discounted, free home delivery of Get vaccinated at home and

medicines to 28,000+ pin codes hospitals across 50+ cities

In clinic doctors Vision care

Access to 7,000+ doctors across 40+ Network of 300+ providers and
cities from varied specializations discounts on specs

Flexi gym Dental care

Flexibility to visit any of 1,700+
gyms across 20+ cities
10,000+ Pan India network of 3000+ dental
clinics with advanced interventions

Integrated with thousands of healthcare service providers

5
The Synergy (How this partnership works?)
Plug-and-Play Wellness Solutions for Insurers

Embedded Health Checkups: Add

mandatory/pre-policy checkups directly within
insurance plans

Embedded Health Benefits: Integrate

packages/wellness offerings for the customers to
enhance customer satisfaction and promote
wellness

Pre-policy Underwriting Support: Real-time

medical insights for more accurate risk assessment

Ongoing Health Monitoring: Continuous

tracking of key health metrics to prevent future
claims

Loyalty & Engagement: Gamified wellness

programs to encourage healthy lifestyles

6
Passionate and diverse team – 175+ ekceptionals

Kiran Kalakuntla Srikanth Samudrala Dr. Noel Coutinho Piyush Mittal Somak Ray

Chief Executive Officer, Co-founder Chief Technology Officer, Co-founder Chief Business Officer, Co-founder VP - Sales VP - Operations

Duke University IIT Madras BHMS, MHA (TISS), AIII IMT XLRI, NIT

Dr. Lavanya Aribandi Nikhil Singhi Chaitanya C Aastha S Vikas B

Chief Medical Officer VP - Product VP – Customer Success Head - Finance Chief of Staff / Growth

MBBS, ABIM, ISB ISB, NIT University of Bridgeport IIM L, SRCC XLRI

7
Let’s Discuss How We
Can Build This Together!

BANKING LEVEL SECURITY TRUSTED BY HUNDREDS OF EMPLOYEE FRIENDLY BRANDS

8
 Appendix

9
Pan India diagnostic services

• Pan-India network
With 4000+ service partners and home collection centers
across 300+ cities, all your consumers get a uniform experience

• NABL/NABH Certified Partners

Working with only NABL/NABH certified partners, we regularly

audit them to ensure service levels are impeccable

• Flexibility of location or service

With options of conducting the tests on-site and off-site;

ensure the maximum number of consumers are covered

• Maximum utilization
With care engage in place, our communications ensure that
your consumers are aware and utilize the sponsored benefits

10
Connect to a doctor instantly, 24x7

• 24x7 access to MBS qualified doctors

MBBS qualified doctors are available round-the-clock to

answer any health query your employee might have

• Connect instantly

Connect with a doctor in less than 30 seconds of requesting

a consult on the platform anytime

• Family doctor

Ensure trust and continuity of treatment with the same

doctor helping employee and their dependents
• Call consultations
Schedule a call back with your family doctor with a free 7
day follow up consultation with the same doctor

11
Ambulance support

• Guaranteed TAT and availability

Assured availability of ambulances across 400+ cities
within a TAT of 30 min or less

• Trained paramedics, drivers and support staff

Most professional and technologically advanced round

the clock emergency medical care support

• Unlimited cashless access

Cashless access to ambulance for consumers when

incase of emergency across India

• Well equipped ambulances

Advanced vehicles equipped with life-saving
equipment, trained professionals and GPS tracking

12
500K+ medicines, 100% genuine, home delivered

• Cashless delivery across India

Cashless delivery of 100% genuine medicines across 30,000+ pin

codes covering 500+ cities

• Exclusive discounts on every order

Order from 5,00,000+ medicines at best prices with exclusive

discounts on every order

• Real time stock availability and order tracking

Shows real time availability, price of medicines, basis location and

track real-time from order to delivery
Compliant with Indian online pharmacy regulations
LegitScript certified for verification and monitoring of online
pharmacies. Expired prescriptions are verified by doctors

13
Help your consumers stay mentally fit with 24x7 access to counsellors

• 24/7 counsellor support

With round-the-clock access to counsellors, help is just a click
away. All data is private and confidential

• On call or face-to-face support

If required, your consumers can schedule calls with

counsellors or even have a face-to-face meeting

• Workshops and events

Conduct workshops to sensitize your consumers at multiple

levels about mindfulness, stress management & more

• Self-help content
Consumers get access to articles, e-books and videos about
mental health that can be consumed at their leisure

14
Integrated chronic care management

• Clinically led program

Doctor led program, with an assessment of the current health

conditions, history and risks before personalizing the plan

• Power team

Team of doctor, nutritionist, fitness expert and counselors are

assigned to each user for max. engagement and outcomes

• Quantified outcomes

Biometrics conducted at the start and end of the program to

quantify the program’s impact on metabolic levels
Personalized articles, diet charts, tips and exercises
Personalized content and tips are regularly shared with focus on
changing life habits for a long-term impact

15
End to end 12 month guided, maternity care program

• 24x7 doctor support

• Don’t google for advice and instead get instant medical

support from expert female doctors from anywhere, anytime

• Pregnancy tracker
• Track the growth of your baby and see its weekly
development using our pregnancy tracker

• Emotional counselling

• Be prepared for the changes and handling additional

responsibility with guidance from our counsellors
• Lactation guidance
• Our lactation experts will suggest best practices and help you
with issues related to breastfeeding

16
Low cost, flexi gym access

• Pan-India presence

With 1,200+ fitness studios across India, your consumers can book
sessions across any on of them anytime

• Flexibility of location or fitness sessions

Consumers can attend yoga session at Bangalore one day and go for
HIIT at Delhi the next. There are no limitations

• Easy, paperless and cost efficient

No need to reimburse gym bills anymore! Give unlimited access to

gym sessions to your consumers through ekincare

• Pay for what you use

With a pool of sessions for all your consumers that can be topped up
from time to time, you only pay for what your consumers use

17
Integrated stepathon program, nudging consumers to stay active

• Support for multiple wearables

Fitbit, Strava, Garmin, Google Fit and Apple HealthKit are all
compatible to ekincare app to track activity

• Organize company wide stepathon

Create company wide daily, monthly activity leaderboards and

reward the top performers

• Team challenges

Make the contests interesting by allowing teams to be formed

among consumers to increase activity as a group!

Fraud detection
Using AI to detect anomalies in sync'd steps and deep
integration with wearables to detect and prevent manual entry

18
Preventive vaccinations

• COVID and Flu vaccinations

Provide cashless support for COVID and Flu vaccinations for

consumers across 40+ cities

• Manufacturing and food handler compliance

Occupational health and compliance requirements of inoculating

manufacturing and food handlers for Hep. B, Typhoid, Cholera etc.

• Home or in-office support

In office support for manufacturing or large-scale setups and at home

facility available for flu vaccinations

• On demand booking engine

consumers can schedule an inoculation appointment with the closest
healthcare partner for employee and their family

19
Gamify and reward healthy habits

• With ekincare’s H-Points, gamify healthy behaviour among your

consumers and improve employee engagement.

• Consumers get rewarded with H-Points for every healthy

transactions, interventions like:

Step count or calories burnt or “streaks” of similar metrics

For attending gym regularly

Completion of preventive health services like health checks etc.

• Earned H-Points can be redeemed for money, to use towards the

user’s non sponsored healthcare expenses

20
Tech-enabled on-site medical rooms

• End-to-end tech enabled

• From attendance to medical records, everything is managed
through technology to ensure no mishaps
• Medical staff availability
• If required, your consumers can schedule calls with counsellors
or even have a face-to-face meeting
• Monthly MIS and documentation
• Proper documentation including attendance, consumables and
consultations is done along with monthly reporting
• Medical records management
• All medical records of individuals will be digitized and available
on the ekincare app for future use and reference

21