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distribution of micro health insurance products to masses. currently the government offers free coverage to people below poverty line (rsby.gov.in) . we wish to offer the same product to people who wish to pay for it. - 100% retail + 100% medical underwriting = profitable for insurers and distributor - To collect a premium of US 25 mio in year 1 through 2,000 POS - Gross Commissions @ 15% year after year