There are about 12 million migrant workers in South East Asia and 20 million in Middle East. But due to language, cost and documents they are not able to get quality health care. Sometimes they are reluctant to see a doctor until the problem become very serious. We have addressed these issues and designed and developed a digital platform where any migrant worker can find a doctor who speaks their language. In future we like to incorporate an artificial interpretation service where the both doctors and workers will be able to take the language interpreter service.
We have a prototype online web-based platform which already have been tested in the field with actual customers- Migrant Workers from Bangladesh. Within a year we have been able to disseminate the information about the service to 20,000 Bangladeshi migrant workers, out of these about 1000 have registered for the service, 650 workers have taken the health service and 10 workers paid for the service.
We registered 15 qualified doctors with us who are providing services online. So, these doctors are also economically benefited. Some of these Doctors are staying in Malaysia as dependent and they were just sitting idle at home. This platform has opened new economic opportunity for them.
In addition, we have 40 sales agents who are and will be engaged in selling the top-up for the services to users. While we will increase the size of the call center and recruit more agents thereby creating new job opportunities in the countries both in foreign and home.
We are currently operating in Malaysia. There are 7 million migrant workers in Malaysia and out of these 60% are un-documented which means about 4 million. We are starting with Bangladeshi migrant workers to start with and will expand our coverage for Nepal, Myanmar, Philippines, Pakistan, India. We are expecting a market growth of 20 to 30% year on year.
The same model can be replicated in Thailand, Singapore immediately and at a later stage in Middle East countries where there are a huge number of migrant workers from Asia. We also find that there are many refugees from Myanmar and Middle East countries living in these countries. We would like to invite the International NGOs and organization for partnering with us and use our platform to serve the refugees also.
Problem or Opportunity
There are 244 million migrants around the globe as per International Organization of Migrants (IOM). In every 30 people one person live outside his/her home country.
There are about 12 to 15 million migrant workers in South East Asia mainly in Malaysia, Singapore and Thailand. Despite the finest health infrastructures and facilities of these countries the foreign workers are unable to access the quality service due to three major barriers. Language- most of the workers are illiterate and cannot explain their health problems in host country's local language or English to the doctors. The cost of the consultation is higher for the foreigners, so it directly hits their pocket. Moreover, about 60% of the workers do not have any legal document and thus prevented fr om accessing any health services legally.
Besides the above challenges there are other barriers such as:
Physical distance, freedom of movement & transport
Physical distance, freedom of movement and transport: Physical
distance is more a concern for those working in rural areas than those in urban areas. Some plantations are particularly inaccessible, especially if employers do not provide transportation. Journeys may involve several hours by foot, road transport or even travel by boat. Big plantations often provide some healthcare facilities. However, these services may be hard to reach, because of the physical distance.
Employer-related barriers: most employers do not honour medical
certificates (MC) issued by doctors, forcing workers to work even when sick. Employers often believe that workers are faking illness, and as such do not provide paid sick leave.
Discrimination & Xenophobia: Perception that checking documents at hospitals is discriminatory. Front-line hospital workers are generally tasked with examining the workers’ documents, an administrative process
which migrants fear. .
Solution (product or service)
It is found from our survey and other research that 80% of migrant workers use Smartphone with a fantastic spending behavior for communicating with friends and family using different social media Apps. These workers at the end of business everyday go to shops for different activities such as buying daily needs, top-up and send money back home etc. So these shops are very good channel for our service.
All these host countries have Tele-health guidelines which enables us to implement the project smoothly and consult MoH for any assistance.
Now we have an online web-based platform which they can use on the smartphones. First they register for the service and whenever requires to see a doctor they can top-up from the agents and talk to their native doctors at a press of finger.
The migrant workers can choose any services out of the two "clicktalk" and clickdoc" by purchasing the scratch cards or top-up electronically from the agent. After consultation the advice or prescription is sent to their smartphone. Later they can collect medicine from Pharmacy or a partner clinic.
There are several players in the market particularly in the country (Malaysia) we are based now. Doctor2u (http://doctor2u.my/), Teleme (https://teleme.co/), HealthMetrics (https://healthmetrics.co/), GetDoc (https://www.getdoc.co/), BookDoc (https://www.bookdoc.com/) to name a few. However, all of these are targeting a different segment than us. So, though we are providing the similar services of Health Access we are not in a direct competition with those. They are mainly providing access for the white color segment and citizen of the country who has good IT knowledge and/or can speak in foreign language or the language the doctors understand.
Advantages or differentiators
Our Unique Selling Point and competitive advantage is that we have addressed the Language barrier of the Migrant Workers, the restriction to access to healthcare services for the undocumented segment. Our platform addresses these problems where as others do not. However, we also realize that they can compete in future where they can be a threat. In that scenario we look forward to collaboration with bigger local companies who would take the advantage of the first mover and protect our Intellectual Property Right to create barriers to entry for the competitions.
In our financial model, the revenue comes fr om two service packages namely ClickTalk -targeted mainly for undocumented migrant workers- with this pack they can directly talk with their native doctors and get the advice which previously was merely a dream for them, the other one is ClickDoc- a full consultation pack developed for all types of Migrant Workers wh ere Malaysian Registered native doctors provide the consultations. The customers pay for their services. These packages are available as top-up in their nearest shops and with individual agents. The price for ClickTalk is RM 10 and ClickDoc is RM35 respectively. We have 20% commission for the agents who sells the top-up and a fixed fee for the doctors which is RM 5 and RM 15 respectively.
To increase the revenue in very near future we are collaborating with some domain partners such as Clinics, Pharmacies and Employers.
In the local clinics we are planning to install a booth – initially it will be just PC with our platform. These clinics will be selected with regards to the concentrated migrant workers in those areas. When the Migrant workers come to the clinic the partner clinic will connect with a native doctor using our platform. After the consultation the native registered doctor will prescribe medication investigations etc. So that clinic will dispense the medicine and the tests advised. This model will increase the walk-in customers for the clinic and subsequently the revenue. ClicknCare will share the revenue at a mutually agreed amount or percentage.Our main cost drivers are the marketing and training cost for the stakeholders mainly the agents. Besides we have cost for commissions for agents, fees for Doctors and overheads for staff and call center. At this point of time our main revenue comes from the package fees paid by the customers. However, in very near future we like to get some commission from Pharmacy and Clinic.
In the current financial projection, we have taken the full population of Bangladesh community and some portion of other countries.
Target Segment: Our primary target segment is the Migrant Workers of any country around the globe. The business model differs country to country. For example in Malaysia and Thailand we are implementing both B2C and B2B model, model while in Singapore mostly B2B model. In the B2B model our target customers are mainly Employers of workers, companies, Clinics, Labs and Pharmacies.
VP: The main value proposition for the workers are - they can now talk with a doctor who speaks and understand their language. It saves their time and cost. No need to travel, no need for leave from work. Even the un-documented workers are able to consult anytime.
Channels: Mainly the local shops run by the immigrants and some individual agents sell the top-up cards for the service. Other e-wallet partners and online platforms.
Customer Relationship: Mainly Social Media, Call Center Support, Agents feedback
Key Activities: Platform development and management, Marketing and customer acquisitions, Selecting agents, Selecting partners
Key Resources:Web-based platform, App, Registered MBBS Doctors and local clinics
Key Partners: MoH is one of the important partners, Employers, Clinics, Labs, Pharmacies and Insurance companies
Cost Heads: Staff salaries, Agents Commission, Doctors fees, Platform maintenance and hosting, events and marketing
Revenue: The revenue comes from direct sales of two services from top-up through both Scratch cards and E-wallet.There is also some revenue from Lab,Clinic and Pharmacy commissions.
Money will be spent on
1. New modules development and modification of applications
2. App development
3. Salary for Organization-Talent acquisition for Technology & Marketing
4. Marketing and campaigns
5. Training and Capacity Building of all stakeholders
Offer for investor
We are ready to offer 10% equity after mutual valuation and negotiation.
The major risk is the legal framework of the hosting country. If it doesn't have any guideline on Tele-health it might create a serious barrier to entry. The competitors can be a threat but it can be converted into collaboration.
Incubation/Acceleration programs accomplishment
Clickncare has participated in 3 boot camps by now and 12 pitching sessions.During the last two weeks we have participated BlueChilli HealthTec bootcampand pitching in Singapore. Currently participating in the Global Accelerator Program by MaGIC in Malaysia-https://mymagic.my/gap/
Won the competition and other awards
We have been shortlisted for BlueChilli award for Accelerator program now waiting for the final results. We were runner-up in Technology Access category in Asia region in the MIT Inclusive Innovation Challenge 2018 in Bangkok. We were among the Top 4 in GSVC (Global Social Venture Competition i Bangkok in 2019. We were finalist in 3rd Commonwealth Digital Health Awards in Colombo 2018, finalist in Pitch@Palace ASEAN1.0 in Singapore, Finalist in AlSharq Ignite Pitch in KL 2019, Finalist in OTEC Pitch Competition in 2019.