Chil's Smart Card

I am Nabuuma Shamim Kaliisa  ,Iam a 24 Year Old Social Entrepreneur, motivation speaker   & Female Netpreneurship Advocate  . I am is the   President and Chief Executive Officer of   Chil AI Lab Group Of Companies a combination of Technology Driven Companies   .My Leadership  has been recognized  by Both National and International players . Early 2020 I  was Named a  Forbes Africa  30 under 30    , In 2019, I was awarded  with  a Honorable Mention during Maathai Impact  Awards  .Google for startup  Identified  and Named me  among among the Top 10 African CEOs Leading  Artificial Intelligence Companies to take part in pitch drive  . In Late days of 2019 , UN  chose  me to give a Key Note speak  during the TICAD7 Event in Japan.  Takeda  Foundation  Japan  awarded her with the Takeda  Young Entrepreneur award 2018, Regional University forum  also awarded  me  with  a Young African  Entrepreneurship Award 2018  .

Only 5% of the Ugandans have and are covered with Health Insurance.This leave 95% of the population  depending on Paying for any needed healthcare services out of their Pockets .This hinders many from accessing health services immediately at the time of need . With such an Obstacle in Place, no doubt many   die from Preventable and treatable Diseases . Chil Ai Lab Group through her Fin-Tech Company ( Chilfin) came up with ,Piloted and Now intends to scale her AI Powered  Secure smart card system that allows women In African to  save for their Healthcare .Our Customers can now and will be saving  Pocket friendly amounts of Money from their Mobile Wallet to their Smart card .

With their saving ,our customers  are Guaranteed that In case of any need for health services ,Bills will catered from the time Savings made to their smart cards.  

its Estimated that Uganda has a Population of about 40 Million People as we speak ,Of these only 5% are covered with healthcare Insurance .This means that 95 % of the Population either depend on the Ill,Corrupt Government Provided health services characterized by lack of key medical commodities like Medicine or have to Pay for their Healthcare services out of pocket in case of any need .This In turn Lures millions of People from seeking Affordable alternatives like Visiting Witches and Herbalists,Other Opt to wait and first sell their Property before visiting health facilities .This ends up putting the Lives of Many Ugandans at Risk of dying from Treatable ,Preventable and simple diseases just because they opt to seek medical services when its Too late to treat and Prevent disease.

The case is not any different in other Four countries where Chil Operates ( DRC,South Sudan ,Zambia ,Tanzania).

A new customer Registers on our Secure  AI powered Web or Application Chatbot .Details of Name ,sex ,Country ,Key Phone number( to be used for  Obligation reminders ) ,Passport Size Photo and preferred remittance   Plan  are well captured,Analysed  and stored by our Chatbot( CHILSMA).Like any human Like customer care service Provider ,CHILSMA Using a given Algorithm, Matches the details given by a customer with randomly generated E-Card Number and Qr code .CHILSMA goes a head to send instructions on how remit the first savings to customer's Phone Number and upon Remitting ,CHILSMA Activates the QR code and E-Card Number and smart card Loading  Receipt is sent to customer through an sms.

Based on the frequency the customer Opted For during registration ,CHILSMA send Obligation Reminder sms and makes an Automated call . On the exact day of remittance,CHILSMA send instructions on How the customer should  should remit her savings and receipt issued 

In case there is need to get medical services all the customer needs is to present the QR code or E-Card Number at our Partner service Provider and her savings can be used to cater for both Transport fees  to the facility and medical bills .    

We are aware that the 5% of those covered by the Healthcare Insurance in Uganda are the Town based ,well off citizens .Our target are those who may not afford to earn even 1 USD per day but can save a Minimum of 2 USD per Week  and this kind of Groups is found in the Rural areas of Uganda( these are Mostly Women) .

Secondly in Uganda and Many developing Countries ,its well known that if there is any sickness in a home  let it be for father or children ,its the Mothers who surfer looking for means to have the sick person have medical services .This means that if you want to help those who pass through pain then Women are the right target .

Our Marketing team therefore moves village by village identifying Organised Women groups( Mostly those under saving groups) ,Train them about the advantages of saving for their healthcare ,Willing groups are Given Instructions on How to register and have them enrolled on the scheme.We also allow some individuals from groups where not all group members buy the idea to join the scheme individually  

Health care should be for everyone but its so unfortunate that in Uganda it has turned to be for a given class of People who can afford it .We therefore helping the 95% of the Ugandan Population that formally left out to have equal health services through their savings as the Elite have through their Insurance service Providers.With our technology every one has chance to access quality healthcare ,rich or Poor ,Town or Rural  without discrimination hence fulfilling universal health care coverage.

It all began at 13 Years when i lost my Mother to cervical cancer just because she could not afford to get services at an early stage of cancer .This Prompted me to Look for ways of how to help my follow women Passing through the same challenges as my mother  did and immediately after finishing my bachelors  degree in Medicine from Makerere Univeristy 2017 ,I Approached some female Members of Paliament who i sold my idea to and the contribution given me was used to pay a software company which developed me the a mobile Application which i later turned to be Artificial Intelligence Powered when i got some Profit out of other Chil Ai lab Group of companies Member companies  in 2018. 2019 i signed an Mou with Buganda Kingdom to have the Product Piloted  with 1.1 Female Kingdom subject.

At the Age of 13 I lost my Mother to cervical cancer but before ,she used to tell me how she was always feeling Too much Pain .One day i asked her "Mum why cant you go to the Hospital?" and she told me" My daughter i would have Loved to go but i don't not have money and even when i go to government Hospital they will still send me to private laboratories to carry out the tests " It was Until the Pain intensified that my mother sold Half of our Banana Plantation and went to the Hospital and on screening her she was told she cant be healed and in the end she died .

Had my mother had her savings she would have sought or medical services at an early stage and she would still live .As a medical doctor i have had many say they could never come to hospitals in time simply because they could not afford to pay .I therefore could never sit and i will never fold my hands to see more women die .Hence starting this Company in 2018.

I always tell my fellow doctors and customers that Unlike i am just putting my medical and Management skills in what i did not just study but what I love .I I am a victim of lack of money to cater for my reviews when i was still taking and Battling with breast cancer .This gives  a strong connection to thinking and doing all i can to come up ,manage a saving scheme like this.

Apart from being a victim  ,i am professional Medical doctor who is well connected to both private and Government Health facilities .This makes and made it  easy ( during pilot ) to use my name to identify and recruit health centers to be our Partner service Provider

More to that  ;in the past i have done several Projects that Involved Transfer of Money from particularly MTN Mobile Wallet ,this gave me advantage when i came up with this  Platform that needed sharing of API between our Ai Smart card and MTN Mobile Money Platforms .

Just Like any other woman in Africa  ,when i had just began this Project i faced a lot Opposition from Insurance Companies who went far to the extent of black mailing me as someone who was to defraud women ,Medical  Practicing  License was wrong cancelled by the Governing Body  on allegations that i intended to take women's savings and close business ,Bank of Uganda put my product on Hold for more than 4 Months and Pressure was too much on me .If i was not determined ,Closing  was just the next Immediate Option for me.

 Although all this was on one Young Woman Shamim ,there was always the second voice that could remind me of how my mother died in Pain and How she could regret not seeking medical services in Time .This made me carry on until i got justice in 2017 December when Court ruled in My favor and the damage fees awarded to me ,were used to perfect and Boost my Mission of Making women Managers of their Own Health through saving.

Nabuuma Shamim Kaliisa has spent her entire Lifetime in Community Innovations .

In 2015 While at University i led the Project its not Too late  to be Pregnant ( as project focal point).This was funded by International Planed Parenthood federation with the aim of distributing Emergency Contraceptives to women in Katanga and Kimbosa slums where unwanted pregnancies had become rampant

In 2016 -While in my last year of University i won  A grant from  HIVOS to advocate for the Patients rights of Women in Mbarara District and during this time of 1 year 7000 women were helped to get Justice and Hold government Accountable for any Violations   

2016 August- I Opened a social enterprise called community dental and Reproductive Health.We offered Mobile dental and cervical cancer to Marginalized Women in  Rural Uganda and 2000000 women were screened in Period of 18 Months .This later changed name to Chil Ai Lab  group in 2018 

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The Chil smart card system is revolutionary in such away that ;

Unlike other schemes of Health insurance and savings that expire at the end of given period ,the customers savings never expires even if she does not use it for five years .Her savings keep on accumulating as the customers saves .

Once the Money has been transferred from a Mobile wallet to smart card ,its can not be used for anything else apart from medical services :

The Mount saved is shareable and transferable ,the customer can opt to use her savings to cater for treatment bills of herself ,her children ,relatives or even friends as long as she Authorizes  at the Time of Treatment. 

We are aware that we are dealing with a group of People who earn less than 1usd per day ,therefore we make sure our Maintenance fees are Minimal on the customers .

For those who may opt to have their cards loaded once ,we link them to our partner banks who offer non cash loans and pay beck the loan at their favorable agreed convenient timing but when they are rest assured that incase of sickness their card loaded with creadit to cater for the hopsital bills   

Outcome : The A mount African Families spend on out of Pocket medical Bills Payments reduced from 25% to 15% by 2025:

This is to be achieved through educating and Empowering at least 500000 Organised Women Groups about the advantages of Smart through social media,radio Adverts Face to face Community Training among other ways .We shall also go a head and availing The willing women   and Electronic savings  technology through their Groups to enable them  to  securely electronically save from their Mobile Wallets to their smart cards. 

Outputs :

1. 10000000 Women in Africa Empowered on the benefits of saving for their Healthcare by 2025.This will be done through face to face training ,use of social media together with Running several Radio Adverts .
2. Two Million Women in Africa availed with means to save for the health care  electronically by 2025

Currently the smart card system serves 240,000 Women organised in 2700 organised Groups and more than 1500000 People have benefited indirectly from our Project .

We already plans under way to scale to other countries where other chil Group members companies work,we hope to increase the customer base to 340,000 in the next year and 2,000,000 direct beneficiaries in five years from now.

Our Goal is to reduce out of Pocket expenditures from 25% of East African's citizens expenditures by 2% and 10% by one and five years respectively .This will be achieved through recruitment of more women on the scheme and scaling to other East and southern African Countries where other Member countries have Operation already.

Raising Investment is a general female start-up /venture Problem and this has not excluded me .Whoever much i have the zeal to reach every woman on the continent ,i still find it hard to raise the needed capital to acomplish that .This hinders my Plans and Goals of reducing the Mount families spend out of pocket as they cater for medical bills .

Covid 19 outbreak has done every bad thing to make an obstacle infront of my future goals.If it was not for covid 19 outbreak ,by this date i would have alteast introduced my technology to Democratic Republic of Congo.

We have already passed a resolution to have the already established ventures Under Chil Group of Companies contribute part of their Profit to those member companies that are still struggling financially.  

About Covid19 we have contracted a team of experts to draft the recovery Plan that we intend to use during our new Normal and among the Proposals is using our Connection to electronically start Business in our target African Countries .

Several Individual Tech driven companies in Tele-Health ,Agri-Tech and Drone Hire services .These Unlike the Fin-Tech venture generate Profit and work in More countries than Fin-Tech venture .We have therefore entered into Memorandum with as a group to make sure each venture gets soft landing when it opens business in the country where one or other member companies already work.

We have Signed a one of the best Electronic Medical Records Company in the United stated called Med-wave to have our Saving means integrated to their system and have it scale in Mexico  where Med wave already has huge client Base.

Chil-Fin is a social enterprise that works hard to ensure that those who may not afford to save or have insurance can be reached .We make Revenue through selling though Affordably our services to women living in the rural areas and the Profit Got is re-invested Back to increase the scope of our Work.As a Member the Big ChIl Ai Lab Group ,we get grants and Financial Support from Group Member Ventures and all this Adds to our revenue at the end  of the day.like any other chil Ai Member venture all our services are reach electronically to our Beloved  customers who are 100% women for now.

Apart from selling our services to women ,chil fin does sell data to researcher,Governments and Non Governmental Organisations and the Profit got is also re-invested back to increase the scope of our activities in other countries . We can not forget the Prizes and grants we get outside of chil Group of companies and these are Majorly from Organisations who prepay services for given Groups of women.

70% Of our revenue comes from selling of our services followed by Contributions from chil Group Member ventures ( this funds 10% ) ,followed by External grants from donors and well-wishers and of late investment plan was adopted which saw us raise some investment capital from Angel Investors  from United states of America. 

Sells contributed -310000 USD 

Contribution from Chil Ai  Group Member- 109120 USD 

Grants from Government uganda of  -64500 USD

Investment(equity)International Medical Link -55100 USD

We seek 400000 USD in Equity to help us scale our technology to other four countries on the continent

Our Toatal estimated expenditure is 23661 United Dollars and this will on overheads ,staff salaries ,Audit Operation Costs and  Resarch and Development 

I believe if i mentored about how raise Money and Mentored on how adopt to the new Normal .Then all will be well for me and Chil fin to scale to the rest of Africa few Years from now

I felling o am lacking in making intensive Marketing for Product like smart card and one i am Mentored by World class mentors provided by this great Prize ,i will be in Position to move further smoothly 

I Would Like to partner with USAID to have massive community sensitization about the need to save for their Health care