Mukteshwari Kaushik Bosco

Ashoka Fellow
,
Fellow Since 2007
Healing Fields Foundation

Citation

This profile was prepared when Mukteshwari Kaushik Bosco was elected to the Ashoka Fellowship in 2007.
The New Idea
Mukti along with Nimish has designed a unique health insurance program that addresses the financial and health needs of India’s rural poor. In the process, she has created a rating system for hospitals and healthcare providers that will help them improve the services they provide.
Mukti’s organization, Healing Fields Foundation (HFF), provides administrative services for healthcare and health financing delivery; networking opportunities for healthcare providers, insurers, and government agencies; health management services; and training for partner citizen organizations (COs) on preventive, promotive, and curative aspects of healthcare. HFF specializes in providing fast and accurate claims administration services. In addition, the organization negotiates bulk rates and provides direct settlement payments to health providers, which means patients pay no upfront, out-of-pocket fees, which often prevents the poor from seeking treatment. Following cashless hospital admissions, patients receive personalized guidance through medical procedures through the facilitators, second opinions from an HFF panel of doctors, and post-treatment guidance. The model is flexible and cost-effective, and gives patients and healthcare providers a considerable amount of choice. HFF’s product, designed with HDFC, Parivar Suraksha Bima (Family Insurance Scheme), is designed especially for the rural sector, and is implemented in partnership with existing COs already familiar with the communities where they work.
The Problem
The Strategy
The Person

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