Asia (Bangladesh, Saudi Arabia, China, Poland, Hong Kong)
Asia (Bangladesh, Saudi Arabia, China, Poland, Hong Kong)
Confidential
Confidential
Digital Micro-Health Insurance — BUPA & Telenor, Asia
Digital Micro-Health Insurance — BUPA & Telenor, Asia
PROJECT DETAILS
PROJECT DETAILS
CLIENT
BUPA / Telenor (Confidential)
REGION
Asia (Bangladesh, Saudi Arabia, China, Poland, Hong Kong)
YEAR
-
SERVICE AREAS
01
01
Situation
Situation
Large populations across emerging markets lacked access to affordable healthcare and financial protection against health costs. Traditional insurance models were inaccessible to mass-market populations in Asia, requiring innovative digital distribution models.
Large populations across emerging markets lacked access to affordable healthcare and financial protection against health costs. Traditional insurance models were inaccessible to mass-market populations in Asia, requiring innovative digital distribution models.
02
02
Challenge
Challenge
Creating affordable, scalable digital health insurance models that could reach mass-market populations in emerging markets through non-traditional distribution channels. Innovating payment mechanisms and digital delivery models to serve populations who had never previously had access to health insurance.
Creating affordable, scalable digital health insurance models that could reach mass-market populations in emerging markets through non-traditional distribution channels. Innovating payment mechanisms and digital delivery models to serve populations who had never previously had access to health insurance.
03
03
Action
Action
1
BUPA emerging markets governance
BUPA emerging markets governance
Overseeing quality and risk standards across 5 countries for BUPA in both insurance and provision.
Overseeing quality and risk standards across 5 countries for BUPA in both insurance and provision.
2
Digital micro-insurance — Bangladesh
Digital micro-insurance — Bangladesh
Created a new digital micro-health company with Telenor in Asia for the mass market, creating a digital front door to healthcare for 7.8 million people.
Created a new digital micro-health company with Telenor in Asia for the mass market, creating a digital front door to healthcare for 7.8 million people.
3
Greenfield clinic development
Greenfield clinic development
Delivered 2 greenfield clinic businesses in Saudi Arabia and China and expanded provision in Poland and Hong Kong.
Delivered 2 greenfield clinic businesses in Saudi Arabia and China and expanded provision in Poland and Hong Kong.
4
AXA value propositions
AXA value propositions
Delivered 8 new value propositions bundled with digital services for AXA's inclusive insurance arm across 6 countries.
Delivered 8 new value propositions bundled with digital services for AXA's inclusive insurance arm across 6 countries.
04
04
Result
Result
7.8 million people reached through digital micro-health insurance; 8 AXA value propositions delivered across 6 countries.
7.8 million people reached through digital micro-health insurance; 8 AXA value propositions delivered across 6 countries.
01
01
Digital micro-health company created with Telenor reaching 7.8 million people in Bangladesh.
Digital micro-health company created with Telenor reaching 7.8 million people in Bangladesh.
02
02
Greenfield clinic businesses delivered in Saudi Arabia and China.
Greenfield clinic businesses delivered in Saudi Arabia and China.
03
03
Provision expanded across Poland and Hong Kong.
Provision expanded across Poland and Hong Kong.
04
04
8 new digital health value propositions delivered for AXA across 6 countries.
8 new digital health value propositions delivered for AXA across 6 countries.
More engagements
View all projects
Singapore
Member, Academic Healthcare Transformation Board — Singapore
Supporting the transformation of National Healthcare Group into an integrated academic network, in close collaboration with the Lee Kong Chian Medical School and Nanyang Technological University.
Read
North America
WHO Pan-European Commission on Climate and Health
Supporting an independent WHO/Europe advisory body convened to raise the political profile, awareness, and support for stronger action on the health impacts of climate change.
Read
Advising the leaders who shape healthcare for all.
Advising the leaders who shape healthcare for all.
Advising the leaders who shape healthcare for all.
Our Work
Our Work
Global Health Transformers
Our Work
© 2025 Global Health Transformers. All rights reserved.