Bussiness Ideas

PulseOne is India's first CGHS-aligned AI Healthcare Platform that coordinates emergency care before, during, and after treatment. The core problem it addresses is the healthcare execution gap: 80% of Indians (115 crore) have no health insurance or cashless access, and 40 crore "Missing Middle" families are excluded from both government and private schemes. This leads to 62% out-of-pocket spending, pushing 7 crore people into poverty annually. Hospitals face 30-90 day payment delays, causing empty beds and 25-40% patient drop-offs. No platform integrates real-time beds, patient records, ambulance, CGHS rates, and instant financing. PulseOne solves this through three integrated innovations. First, the AI Guide ("Hello Zeeni") coordinates emergency care in 5 minutes on WhatsApp – booking ambulance, reserving beds, applying CGHS rates (40-70% savings), and approving 0% EMI. Second, HEXI Score™ is a proprietary AI clinical underwriting model that predicts medical risk using health outcomes and repayment behavior, not just CIBIL. It enables near-zero default lending and is patent-filed. Third, Blockchain Smart-Contracts settle hospital payments in 30 minutes (vs 30-90 days), creating an immutable, fraud-proof ledger. The model has been validated manually: 200+ patients treated, ₹2 Crore+ medical loans disbursed, 10 active hospitals, 100+ hospital MoUs signed, 100% repayment rate, and ₹10.5 Lakh+ revenue generated with ₹0 marketing spend. PulseOne is incubated at AIC GGSIPU (Atal Innovation Mission, Govt. of India) and IIITA, and is DPIIT registered (DIPP222003). The vision is to build India's healthcare execution infrastructure, making treatment affordable, accessible, and transparent for every Indian.

Startup Teams

• 1 Salman Khan (Founder)
• 2 Zinat Khatoon (Founder)

Incubation Details

• Incubator Name
  INNOVATION AND INCUBATION FOUNDATION IIIT ALLAHABAD
• Incubator Host Institution
  IIIT ALLAHABAD
• State
  Uttar Pradesh
• City
  Prayagraj