Affordable Health Insurance Challenge | DNA Health Hackathon 2025
Theme Challenge

Affordable Health Insurance Platforms

Making Healthcare Coverage Accessible for Every Bangladeshi

Only 1% of Bangladesh's population has health insurance coverage. Your mission: design innovative digital platforms that make health insurance accessible, affordable, and transparent for all economic segments — transforming healthcare from a privilege into a fundamental right.

The Core Challenge

Transform health insurance from an exclusive financial product into an inclusive social protection mechanism

Your Mission

How can we leverage technology and innovative business models to create health insurance platforms that are genuinely affordable, transparent, and accessible to Bangladesh's diverse population — from garment workers and farmers to small business owners and middle-class families?

Prime Bank Logo

Our Partner of the Theme

Prime Bank

We extend our deepest gratitude to **Prime Bank** for their partnership as the Theme Partner. Their commitment to financial inclusion and innovation in the banking sector is crucial for driving forward accessible and equitable health insurance solutions in Bangladesh.

#InnovationForEquity #HealthForAll

The Healthcare Protection Gap

Understanding the magnitude of the challenge we're solving

0% Population with Health Insurance
0% Out-of-Pocket Health Spending
0% Fall into Poverty Due to Medical Costs
0M People Needing Coverage

Why This Matters

The strategic importance of solving health insurance accessibility

💡

Economic Resilience

Health insurance protects families from catastrophic financial shocks. Medical emergencies are a leading cause of household debt and poverty in Bangladesh.

🏭

Workforce Productivity

Insured workers seek preventive care earlier, reducing absenteeism and improving long-term productivity across industries.

🎯

Preventive Healthcare

Insurance coverage incentivizes early detection and prevention, reducing the burden of late-stage disease treatment on the healthcare system.

⚖️

Social Equity

Accessible insurance democratizes healthcare access, ensuring quality treatment isn't determined by economic status.

📊

Data-Driven Health

Insurance platforms generate valuable health data that can inform public health policy and resource allocation.

🌍

Universal Health Coverage

Affordable insurance is a critical stepping stone toward Bangladesh's commitment to achieving universal health coverage by 2032.

Our Esteemed Judges

Meet the experts who will evaluate and mentor your innovative health solutions.

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DGMIS

DGMIS

Management Information System (MIS), DGHS

What You Can Build

Innovation pathways for creating accessible health insurance solutions

1 Micro-Insurance Platforms

  • Daily or weekly premium payment options via mobile money
  • Graduated coverage tiers starting from ৳10-50/week
  • Community pooling mechanisms for rural areas
  • Family plans with flexible member additions
  • Integration with employer payroll systems

2 Transparent Coverage Tools

  • Simple vernacular interfaces explaining policy terms
  • Real-time claim tracking and status updates
  • Hospital network finder with quality ratings
  • Cost estimation tools for common procedures
  • Clear exclusion and limitation explanations

3 Gamified Wellness Programs

  • Premium discounts for health-promoting behaviors
  • Preventive care checkup rewards
  • Step tracking and fitness challenges
  • Chronic disease management incentives
  • Community health competition leaderboards

4 AI-Powered Risk Assessment

  • Personalized premium calculations based on lifestyle
  • Predictive health risk scoring
  • Automated underwriting for instant approvals
  • Smart chatbots for policy recommendations
  • Fraud detection and prevention systems

5 Group Insurance Marketplaces

  • Peer-to-peer insurance pooling platforms
  • Professional association group plans
  • Geographic community insurance schemes
  • SME employee benefit management
  • Gig economy worker collective coverage

6 Digital Claims Processing

  • Photo-based bill submission via mobile
  • OCR technology for automatic data extraction
  • Cashless treatment QR code systems
  • Instant pre-authorization approvals
  • Blockchain-based claim verification

Evaluation Criteria

How your solution will be judged by our expert panel

1

Feasibility

Can the solution be realistically developed and implemented with the available technology and infrastructure in Bangladesh? Is the scope achievable?

2

Scalability

How easily and affordably can the platform expand to serve millions of users across diverse economic and geographic regions?

3

Sustainability

Does the proposed business model have clear, viable revenue streams and a robust cost structure to ensure long-term operation without perpetual subsidies?

4

Innovation

How original and creative is the solution in addressing the systemic failures of current health insurance provision in the market?

5

Compliance

Does the solution adhere to the necessary insurance regulations, data privacy laws, and ethical healthcare guidelines?

Ready to Transform Healthcare in Bangladesh?

The future of affordable health insurance is in your hands. Join the DNA Health Hackathon 2025 and build the solution that protects millions.