JIVA360 — Insurance & Underwriting
Continuous risk intelligence for
insurers who can’t afford reactive care.
Replace retrospective claims cycles with real-time biometric underwriting — from the wrist, to the clinic, to the balance sheet.
01The Problem — Global & Local
Medical underwriting is structurally loss-making.
A continuous blind spot between visits turns preventable chronic disease into catastrophic, late-stage claims.
Claims Deficit
Medical books exceed 100% loss ratios — against an industry average of 79%. US medical debt now exceeds $220B.
Chronic Disease Crisis · Kenya
NCDs account for 74% of all mortality globally. In Kenya they drive over 50% of hospital admissions and nearly 40% of all deaths.
The Monitoring Blind Spot
A 14–21 day window before emergency hospitalization is completely invisible to insurers and doctors.
Chronic Disease Crisis · US
119M US adults carry chronic illnesses, with exploding growth in metabolic syndromes globally.
The African Data Blind Spot
Africa is 17% of the global population yet under 2% of clinical and genomic datasets. No continuous biometric dataset exists for Sub-Saharan populations.
Geographic Access
Doctor-to-patient ratios exceeding 1:16,000 in some regions leave rural and peri-urban populations highly vulnerable.
01.1The Claims Crisis — Kenya in Numbers
Sourced from official IRA and AKI filings. The dashed line marks 100% break-even.
Govt-scheme outlays for every KES 1 collected.
JIVA PMPM — lower than a single clinic visit.
01.2Everyone wins when you stay healthy
Connected. Aligned. Healthier.
02Why Now
Four structural forces, converging at once.
Govt Scheme & Digital Rails
Universal Coverage Mandate
The government scheme enrolls 57M lives. Payers face a 1.59 payout ratio — KES 1.59 paid out for every KES 1 collected.
Hardware Economics
Slashed Wearable BoM
The bill of materials for medical-grade telemetry now costs less than a single clinic visit.
Capitation & VBC in the US
Value-Based Care Dominance
The $5.4T US market is shifting to capitation, scaling at 9.7% CAGR.
Demographic Health AI Regulation
Regulatory Diversity Standards
The FDA is formalizing standards for demographic diversity in datasets — a moat for representative data.
02.1Why Kenya — A Strategic Choice
A concentrated chronic-disease burden, a digitizing single-payer rail, and a global data white-space combine into a defensible launch market.
lives enrolled under the government scheme — a single, digitizing payer rail.
loss ratios on chronic-heavy books that lose capital rapidly.
of global clinical datasets cover African cohorts — our data moat.
03The Platform
Three layers, one continuous loop.
Data Collection
The JIVA Band (24/7 telemetry), biannual Mobile Health Units, clinical records and partner feeds — integrated via direct uploads or in-app scans.
App & Storage
Historical data, behavioral habits, prescriptions and past consultations. Tailored portals for patients, clinicians and insurers with integrated identity verification.
AI Diagnostics
A continuously-updating risk profile. Diagnostic recognition and doctor-assistance tools streamline telemedicine and encourage proactive lifestyle change.
03.1Under JIVA Technologies
04The Model
The insurer pays. The member wears it. Everyone’s incentives align.
The Patient
Wears the JIVA Band; telemetry streamed 24/7, plus bi-annual clinical validation via mobile units.
AI Processing
The proprietary engine detects autonomic anomalies and updates the individual risk profile in real time.
Clinical Action
Alerts trigger in-network telemedicine check-ins and predictive clinical reports.
The Payer
Payers view risk distribution. Premium discounts and coverage increases correlate to user risk levels.
04.1The Value Loop
Verified health flows back as premium discounts and coverage — a value loop that rewards staying healthy.
05Hardware & Data Architecture
A medical instrument — not a wellness toy.
The JIVA Band
CSS W10- 256 Hz medical-grade ECG electrodes
- Dual-wave PPG biosensor
- Skin thermistor (temperature)
- 3D accelerometer + gyroscope (motion)
- Ambient light sensor
- IP68 ingress protection
- AES-256 encryption at rest & in transit
Mobile Health Unit
72-test sweepBi-annual 72-test sweeps deliver absolute identity verification and baseline calibration.
- Biochemistry lab
- Digital X-Ray
- Pulmonary function
- Audiometry
- Fundus camera
- OBG / cardiac-specific diagnostics
Privacy-First by Design
Data stays inside JIVA, with role-based access and an objective, automated audit trail. Insurers and admins receive view-only metadata — never raw vitals.
06The Markets
From Nairobi to a $8.6T opportunity.
Kenya — Regional Launch
≈ $565M private health insurance market — the largest general insurance class (AKI 2024).
≈ $6B total national healthcare expenditure.
Data & AI Markets
global Healthcare AI market, with diagnostics the fastest-growing 35% share.
growth rate; $13.9B in 2025 digital-health exits, AI-native capturing >54% of deployed capital.
US — Expansion Phase
US healthcare spend 2025, projected 2030.
CMS RPM reimbursement per wearable, per chronic patient, per year.
06.1Target Segments · 2022 → 2033 Forecast
Healthcare AI
Remote Patients
Wearables
Digital Flow
37% CAGR Expansion
US health & biosensor path, driven by clinical diagnostic transitions.
21.6% CAGR Metric Scale
Real-time bio-sensor tracking optimizing downstream insurer data profiles.
06.2The Roadmap
Phase 01 · 2026 → Q2 2027
Kenya Operations
- • Scale the STAR pilot: 100 → 18,000 → entire network
- • Deploy Mobile Health Units
- • Secure hospital data for ML training
Phase 02 · Q3 2027
East Africa & India
- • East Africa pipelines
- • Indian market entry
- • Scaled, demographic-specific AI training
Phase 03 · End 2027
US Market Launch
- • Launch US healthcare diagnostic tool
- • Capture CMS RPM billing pools
- • Licensing & compliance — FDA, CE, HIPAA
07The Team
Theoretical and practical — in equal measure.
Shlok Saini
Co-Founder & CEO
Management Science & Engineering + Economics
Healthcare and insurance exposure through family; deep background in math and quantitative analysis. Indian-market understanding through Bliss GVS Pharma.
Arjun Prakash
Co-Founder & COO
Economics + Human Biology
Blends sport physiology with hands-on operational execution, having launched his own sports complex in Calcutta. Deep marketing and large-scale HR management from a family footprint in hospitality and tea.
Agastya Bhartia
Co-Founder
Biomedical Computation + Bio Engineering
Life sciences (Jubilant Bhartia) and marketing/media (Hindustan Times) experience. Coordinates global life-sciences architecture and AI strategy.
07.1Leadership & Directors
Ramdev Krishnan
Full-Time Director · CTO
Project Head on the ground. Ex-Tata Communications senior leader. Directed 10,000+ MHUs across regional markets.
Dr. Deepak Kumar
Clinical Director · CHO
Two decades as an intensive-care resident across Indian and Kenyan capital cities, guiding JIVA’s clinical decision-making.
Ali Abbas Jaipuri
Procurement Director
25+ years of healthcare and medical-equipment executive experience, sourcing and operational integration across East Africa.
Asif Ali Ansari
Full-Time Director
Worked at Apeiro which, with Sirius IHC, developed the government health scheme software. Strategic institutional-network lead.
08Partner — For Insurers
Join the JIVA Network.
Deploy a 180-day pilot over a targeted cohort. JIVA manages hardware, training and onboarding — you watch the loss ratios move.
JIVA Technologies Limited · Palo Alto, CA 94301