The Seva App is a proposed model that could pool micro-contributions from citizens, high-net-worth individuals (HNIs), and ultra-high-net-worth individuals (UHNIs) to create a massive annual healthcare fund. At minimum, this fund could generate 46,419,60,00,000 INR (forty-six thousand four hundred nineteen crore sixty lakh rupees) or ₹46,419.6 crore (forty-six thousand four hundred nineteen point six thousand crore rupees) per year, potentially funding 50,00,00,000 (fifty crore) treatments annually at ₹10,000 (ten thousand rupees) per treatment.
How Contributions Are Structured
- Regular users (₹20/month): 64.65% of the base fund
- HNIs (₹100/month): 0.12%, small because most HNIs are land or real-estate rich but cash-poor.
- UHNWIs (₹1,00,000/month): 35.24%, leveraging their liquidity-heavy share portfolios.
This three-tiered model ensures that while the masses form the backbone, the ultra-wealthy contribute proportionately more, making the pool equitable yet sustainable.
Executive summary
Core idea: Every non-BPL telecom subscriber pays a mandatory ₹20 per month into a ring‑fenced national social fund.
An additional ₹5 per month service fee (for infrastructure and a Platinum reserve) is collected; any surplus from that fee flows into the fund.
Tiered contributions: Regular users (₹20), HNIs (₹100), UHNWIs (₹1,00,000) — with regular and UHNWIs providing a large share of the pool.
Platinum Plan: guarantees 14% of the target for eligible health fundraisings; if short, the platform can bridge via the reserve and, if needed, government-backed guarantees that enable concessional bank loans but charges 4% of funds raised
Fund shape: a floating, liquid pool; mandatory base contributions ensure predictable annual capital.
