Investors Mindset - Liquidity

What’s Reality…!!

~ 60% Indians pay for health from their own savings

Indian Population – Access to Health financing - 2014

Huge Untapped Segment :

The middle market – Termed “Savers” who ,

‘Pay-as-they-go” for health.

Source: Government Sponsored Health Insurance - Are Source: Government Sponsored Health Insurance - Are you covered? Gerard La Forgia and Somil Nagpal; World you covered? Gerard La Forgia and Somil Nagpal; World Bank 2012, Table 3.1Bank 2012, Table 3.1

Another Reality !!

Existing health insurance covers only hospitalization costs

27.9%

72.1%

Split of total health spend, India, 2013, %

100% = Rs 400,000 cr • The character of health spending has changed and shifted towards outpatient.

• Health insurance products have not kept up.

• One has to”Pay from Pocket” for ~72%+ of one’s total medical expenses.

Outpatient costs, Drugs, Diagnostics

Hospitalization costs

Source: National Sample Survey Source: National Sample Survey Organization of India (NSSO)Organization of India (NSSO)

So what’s the solution

Keep cash at home

Keep cash in bank @ 4%

Put in Instruments that give good Returns + Liquidity

OR

Presenting

The Wealth2Health proposition

Functions like a normal FD when the customer is well

Pays for healthcare expenses when ill

A deposit that comes with a card – ‘Deposit Card’

Customers can use the card to pay for Health Expenses , at designated hospitals/diagnostic centres

Instant loan against FD is created.

No need to break FD. No loss of interest

The Power of the Card

DOC ‘ROUND THE CLOCK

Cashless access to any empanelled hospital

Cashless access to any empanelled hospital

Rs 1 lac, accidental death insurance – first

depositor

Rs 1 lac, accidental death insurance – first

depositor

24/7 access to a doctor on ‘phone

24/7 access to a doctor on ‘phone

Advice on which hospital to choose

Advice on which hospital to choose

Access to neutral, ‘second opinion’

Access to neutral, ‘second opinion’

5 to 25% discounts on tests and hospitalization5 to 25% discounts on

tests and hospitalization

All This At No Extra Cost

Too Good to be True !!Too Good to be True !!

So How Does It Work

Some Terms..

All This Made Possible thruthru our Health Services Partner:

Holding Company of (erstwhile) TTK Healthcare TPA

Administers 1.9 cr lives, pan India, for health insurance

6600 hospitals, 1500 diagnostic centers network; 800 cities

Strong customer service platform – Mobile App / SMS / Email

Wealth2Health – WIFM (The Investor)!Wealth2Health – WIFM (The Investor)!

Minimum Deposit: Rs 25,000/=

Privilege: Senior Citizens, Armed Forces Personnel, Widows, DHFL Home Loan Customers & DHFL Shareholders

The Value Proposition in summary…

People give their Health to create Wealth. Wealth2Health returns the favour

Customer DHFL Broker

Q&A

Thank You