Dr Azfar Malik

Experience

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  Ghurki Trust Teaching Hospital Lahore

  May 2004 - Sept 2006

  Casualty Medical Officer

  In charge of Emergency, (medical and surgical.), co ordinate liaison between various faculties and evening administration of hospital.

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  Lahore medical & dental college

  Feb 2006 - Oct 2007

  Demonstrator

  Conduct lectures of medical students and administrative affairs of dept.

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  Farooq Hospital

  Oct 2007 - Aug 2009

  Corporate Medical Officer

  •Day to day administration •Liaison with Health Insurance Companies regarding case management,prior approvals intimations and medical billing.•Co ordination with PMDC followed by successful inspection and recognition of Hospital as Teaching Hospital by 16 member team of PMDC

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  New Jublee Insurancee Company Limited

  Aug 2009 - Mar 2010

  Senior Manager Accident & Health Division

  •Customer Service and recommendations of claims for payment / non payment of admitted patients in panel hospitals & non panel as per terms and conditions of policy and limits of the insured. •Enhancement of panel network on negotiated corporate rates & packages. Coordination with insured organizations regarding general healthcare advice, clarification of technical queries , guideline regarding diagnosis- management (outpatient or inpatient). •Keeping an eye on hospitals for delivery of best possible services to our insured. •Corporate Health Care Policy presentation to new proposed clients with marketing team along with reply of queries to the clients at the time of renewals. •Scrutinizing fake claims in non panel hospitals. •Arrangements of Executive Medical checkups, examining patients,advising necessary treatment to the staff. •Development of good business relations with network of panel hospitals, enhancement of panel hospital network. Show less

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  Alfalah Insurance Company Limited(Abu Dhabi Group)

  Apr 2010 - Apr 2011

  Deputy Manager Health Insurace(Operations & Marketing)

  •Successfully incepted planned & executed Bancassurance Agreement between Bank Alfalah and Alfalah Insurance Limited for marketing of Interglobal International Health Insurance to Bank Alfalah’s Platinum and Titanium Visa card Holders.•Marketing of Health Insurance & Health Infrastructure General Insurance•Swift, speedy and judicious expedition of Reimbursement Claims within 15 days, Hospital Bills with in 25 days.•Authorize intimation approvals from hospitals( Punjab Khyber Pakhtoonkhwa)•Case Management•Preparing and analyzing Data regarding average hospital bill in each city.•Analyzing claim percentage specific to age, sex relation and designation.•Comparison study among claim data pool of all insured companies.•Examining average bill of different hospitals.•Signing MOUs with new hospitals on panel list.•Co ordination with corporate clients•Marketing of InterGlobal (British International Health Insurance) in Pakistan, in the light of MOU signed between InterGlobal and Alfalah Insurance in April 2010.•Operational coordination with InterGlobal Health Insurance regarding their partnership with Alfalah Insurance in Pakistan, managing screening and forwarding claims of Interglobal from Pakistan to their head office in Dubai, coordinating the liaison of Interglobal with top standard hospitals in Pakistan e.g. Shifa International Agha Khan and Doctors Hospital. Show less

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  Atlas Insurance

  Apr 2011 - Jan 2012

  Manager Health Insurance

  Atlas Insurance Ltd, an Atlas Group Company. Atlas Group is a diversified group dealing in engineering, financial services and trading. The group equity as of date is Rs.25 billion, assets over Rs.60 billion, sales over Rs.60 billion and the employees exceeding 7000•Successful inception of Health Insurance in Atlas Insurance •Workied to set up the Medical Insurance Department and recruit /build /train the team, establish Panel Network of more than 100 Hospitals all over Pakistan, at competitive corporate rates.•Apply tailor made alterations to Proposed Health GIS System to fit to company’s needs and desires.•Define the Medical Department strategies and action plan.•Handle designing ,pricing and underwriting of all types of Medical Insurance Products•Issue quotations & management reports.•Negotiate on important deals•Medical Claims adjudication•Analyze the Investigations and HDFs of individuals seeking Credit Risk Insurance, and analyzing risk concerned.•Analyzing and scrutinizing claims of credit risk insurance, and establishing liaison with respective Banks to negotiate claims.•Scrutinized & thrashed Rs 8 Million fake credit risk insurance claim Show less

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  Saudi German Hospitals Group

  Jan 2012 - Feb 2015

  Senior Medical / Health Insurance Auditor

  ★Saudi German Hospitals Group is considered the largest private Healthcare company in the MENA region (Middle East & North Africa). The group is a multi functional Healthcare company which is considered a Healthcare developer and not just an operator.SGH Group is now growing 1 Hospital every year with 700 employees growth. SGH number of employees are now 6000 employees & growing at a rate of 12%.• Core Job Profile•Auditing / monitoring Saudi German Hospital Jeddah ,Health Insurance portfolio of SR 360 Million per annum & provide Technical feedback regarding Health Care revenue,and suggest measures to minimize Corporate Health Insurance rejections ratio,to Group Audit Committee ,chaired by President of SGH Group• Evaluation of Contracts/ MOUs with insurance companies.• Hunt weak links, deficiencies in the operating procedures of Accounts Receivable(Health Insurance billing) Dept and provide recommendations.• Liaise with CEO of hospital regarding corporate health insurance• Critical analysis of AR Admin Module, ERP,WIPRO ,Legacy • Maintain vigilance to prevent Accounts Receivable (Health Insurance billing) fraud. • Render over all recommendations to improve infrastructure of corporate health insurance• Coordinate with insurance Manager to expedite suitable controls.• Coordination with Group President Rejection Control Team regarding health insurance rejections.• Incept & expedite professional systems & protocols leading towards efficient generation of corporate revenue• Conduct operational review of each clinical department to identify deficiencies & potential areas for improvement. •Organizational learning about medical health care errors. •Identify & analyze situations or practices that create financial risk for the hospital & medical staff. •Develop strategies to eliminate,avoid or minimize risk. •To manage risk to the quality of services provided and the safety of patients,their carers & visitors. •Identify analyze & control medical risk. Show less

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  Adamjee Insurance Company Limited

  Jan 2015 - Jan 2018

  Head of Claims & Medical

  •To expedite Claims Adjudication / Approvals / Medical Networking of Rs 1.5 billion Health Insurance portfolio of Adamjee Insurance, managing 30 +Team members compromising of 13 doctors, asst managers & officers.•Providing technical input in Medical Underwriting decisions.•Monitor the loss ratio of new and renewed policies and update the management.•Extensively involved in development of new products.•Proposing alternate solutions that would benefit the client through optimum premium.•Incepting, designing & executing Medical Cost Control strategies.•Maintaining TAT (turnaround time) for claims expedition for client companies and panel hospitals.•Interviewing / hiring new man power (doctors / Asst Managers / officers) in view of expanding portfolio•Maintaining vigilance / touring of Karachi office.•Assigning tasks & specific responsibilities to team members•Monitoring Hospital outstanding reports, reconciliation.•Touring panel hospitals all over Pakistan.•Manage Country wide Medical Network / case management, approval doctors.•Liaison with Divisions (Sales & Marketing) all over Pakistan regarding Health ins services to client companies•Supervising claims & medical team doctors regarding claims adjudication & medical approvals•Technical consultation for AICL Travel Insurance Overseas Claims. Show less

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  Punjab Health Initiative Management Company

  Feb 2018 - Aug 2018

  Manager Empanelment (Health Insurance)

  The main task of the PHIMC is to execute social health protection initiatives, demand side financing schemes including pro-poor health insurance schemes and collaboration with private sector to provide universal health coverage. •To provide technical advice regarding Health Insurance & other health initiatives carried out Punjab Govt / Govt of Pakistan •Provider Network Empanelment & monitoring ensuring compliance of minimum service delivery standard •Premium forecasting •Loss ratio assertion •Briefing Federal & Provincial Health Minister & Federal Steering Committee of Health •Disease Analysis •Micro Insurance Product (Sehat Card) development and improvement Show less

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  Allianz MediCount Global Ltd

  Sept 2018 - Oct 2020

  Head of Telehealth & Corporate Sales

  1st movers in Pakistan to successfully incept, initiate & expedite discounted Digital Health Payment at provider network Pan Pakistan B 2 B - B 2 C - C 2 B, so as to digitally revolutionize health payments in Pakistan resulting in a win win scenario thereby ensuring attractive discounts to users & prompt live payments to Network providers thereby scaling & encouraging healthcare Tax Net in Pakistan.• Managing Healthpass Provider Network of more than 500 providers Pan Pakistan• Successful Inception @ Initiation of Telehealth App (Android / IOS) managing a team of more than 15 in-house doctors along with 200 plus consultants of more than 25 specialities• Inception of Air time (Direct Carrier Billing) as payment gateway for Teledoc • Achieved 100K App downloads within a year, fastest ever by any Teledoc operator in Pakistan• Successful inception & initiation of LHW (lady health worker) Teledoc project with Tania Aidrus Digital Pakistan Initiative there by providing quality healthcare services at grass root level to the masses Show less

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  Hayaat.pk

  Dec 2020 - Apr 2022

  Co-founder | CEO

  Hayaat via its bespoke Digital Health Solutions envisioned to disrupt the conventional Healthcare market not only in Pakistan but also in Middle East & South Asia , so as to create a meaningful change in the lives of people.* Verticals included a complete Digital Health Ecosystem - Teledoc - Online Pharmacy - Online Lab - Walkin Dr Appointment Booking - Online Home Medical Services - Medical Record & Practice Management Solutions - Online Health Insurance

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  Digital Health Association Pakistan

  Feb 2021 - now

  Founding President

  Digital Health Association is the official registered legal Association representing the Digital Health Ecosystem in Pakistan.Its aim is to advise Govt in formulating Digital Health friendly policies , promote mutual collaboration amongst all stake holders , Digital Health Startups , Healthcare Service Providers & Health Insurance aggregators so as to nurture & promote Health Digitisation in Pakistan

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  Healthwire.pk

  May 2022 - Dec 2022

  Head of Strategy & Partnerships - Chief Medical Officer

  Successful SDK integration of Healthwire online pharmacy within Easypaisa App , thus giving access of Healthwire's online pharmacy to more than 9 M active users of easypaisaSuccessful Digital integration of Essa Lab with Healthwire online Lab portal / AppEnsuring 24 / 7 online Dr Teleconsultation by initiating night shift Designing & implementing International Telehealth best practicesAgreement of Healthwire online pharmacy with Foodpanda AppAgreement of Telehealth cover with Adamjee Health InsuranceSuccesfull scalability & coordination of Healthwire Corporate Wellness Program & Health Risk Assesment productIdentifying & resolving all software & Tech bugs within various vertical such Walkin Dr appointment , Telehealth , e pharmacy etcSuccesful introduction & implementation of Healthwire Practice Management software Saas in 1st teaching hospital Akhtar Saeed Medical College teaching hospitalDigital Health Excellencec award for Healthwire at Pakistan's 2nd National Digital Health Conference conferred by President of Pakistan Dr Arif Alvi Show less

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  Topmed Progressing Humanity

  Feb 2023 - Oct 2023

  Senior Project Management Consultant

  Topmed is the exclusive service provider for Health Catalyst in middle eastHealth Catalyst is a US based , data warehousing , analytics and outcome - improvement company that seeks to be the catalyst for massive , measureable , data - informed healthcare improvement for its healthcare commercial partners across clinical , financial & operational outcomes;

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  Harvard University

  Mar 2023 - Aug 2023

  Adviser Harvard University Incubation Lab Digital Health Startup

  Harvard University Incubation Lab https://innovationlabs.harvard.edu/My specific role as an adviser relates to a Digital Health initiative , they are launching in Pakistan to simplify and scale Digital Health Records for the masses of Pakistan at grass root level by the use of technology so as to improve the Health Outcomes of people of developing economiesIn this capacity I shall have the opportunity to interact and learn from University Alumini & entrepreneurs along with the latest healthtech developments especially in the domain of electronic medical record along with its meaningful use Show less

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  CureMD

  May 2023 - now

  Director Employee Health Services
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  Digital Health Diploma - Health Services Academy University ( Govt of Pakistan )

  May 2024 - now

  Course Creator , Director & Instructor ( Pakistan's 1st Digital Health Diploma )

  Envisioned , Incepted , developed & successfully expedited Pakistan's 1st Digital Health Diploma program , accredited by Health Services Academy University Govt of Pakistan , under joint collaboration between Digital Health Association of Pakistan , Akhtar Saeed Medical & Dental College & Health Services Academy University. Our vision is to scale it towards Masters in Digital Health within a year.