Is health insurance beneficial for us? | Podcast with Sibtain Jiwani | EP#13

In this episode as we sit down with Sibtain Jiwani, a trailblazer with over 14 years of experience in fintech and insurtech. From driving digital transformation at a leading payments solutions provider to founding Smartchoice—Pakistan’s largest insurance comparison platform—and launching SmartBenefits, a cutting-edge solution for health insurance management, Sibtain shares his journey of innovation, entrepreneurship, and industry impact.

Discover how he's leveraging technology to solve complex challenges, reshaping industries, and building strategic partnerships to create meaningful change. Don’t miss this insightful conversation about the future of fintech and insurtech!

Sibtain Jiwani Linkedin: https://www.linkedin.com/in/sibtainjiwani/
Smart Benefits Website: https://smartbenefits.pk/

The episode has been split into specific sections, giving you the best possible experience from each part:

00:00 Promo
01:29 Intro
02:25 Tell us about yourself and your company.
07:51 As an employee, what key aspects of insurance should we be aware of?
11:15 Why are medicines not covered in health insurance?
14:56 How is health insurance managed internationally?
16:20 Is yearly medical check-up covered in insurance or not?
17:50 What is the yearly package range for health insurance as an individual?
19:42 Why do some hospitals not accept insurance, or what are the challenges associated with this?
22:50 What is the process of obtaining insurance as an individual?
24:58 If someone opts for insurance of 500,000 or 1,000,000, what is the approximate annual premium?
28:42 What are some misconceptions people have about what is not covered in insurance but actually is?
33:37 From an employee’s perspective, is only health insurance covered, or are other benefits included?
38:30 What is the yearly package cost for life insurance?
39:12 What are the benefits of life insurance?
42:44 What is the profit and benefit of a Provident Fund, and how does it work?
48:27 What initiatives are taken to ensure employee welfare?
50:53 What challenges were faced when starting SmartBenefits, and how were they tackled?
55:50 How did you reach out to small clients, and what was your marketing strategy?
59:42 What advice would you give to founders and business owners for growing their business?
1:01:55 Thank you.

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