CAMO positions itself as that missing mechanism: a digitally native interface for a care system that has, until now, functioned without one.
CAMO
In a nation where over five hundred million UPI transactions occur daily, patients seeking hospital admission with valid insurance continue to face outdated and often paralysing inefficiencies. Despite more than five hundred and ten million active health insurance policies, a substantial proportion of medical expenses remain out-of-pocket. Patients are routinely asked to make deposits ranging from ten thousand to fifty thousand rupees prior to receiving care, and wait times for authorisation frequently extend to several hours.
In a nation where over five hundred million UPI transactions occur daily, patients seeking hospital admission with valid insurance continue to face outdated and often paralysing inefficiencies. Despite more than five hundred and ten million active health insurance policies, a substantial proportion of medical expenses remain out-of-pocket. Patients are routinely asked to make deposits ranging from ten thousand to fifty thousand rupees prior to receiving care, and wait times for authorisation frequently extend to several hours.
This operational bottleneck, rooted in fragmented hospital–insurer coordination and outdated third party approval chains, has rendered cashless healthcare a conditional promise rather than a guaranteed reality.
CAMO, Cashless Against Medical Occurrence, introduces a digital admission credential through their proprietary technology that enables immediate hospital admission. Where insurance cover is active and sufficient, admission proceeds on a cashless basis. Where gaps exist, the platform activates a consent-driven embedded credit line through pre-integrated financial partners. The result is an admission flow that completes in under sixty seconds, without paperwork, escalation calls, or ambiguity.
What differentiates CAMO is not only its process logic, but its origins. The solution was conceived not in a boardroom, but following a personal family emergency experienced by founders Kshitij Asiwal and Sherwin Kalathuparambil. As university graduates with backgrounds in business and a practical understanding of systemic breakdowns, the two identified a critical fault line: the operational blind spot between insurance and care delivery. "Insurance was never the problem. Access was." said Asiwal. " We built CAMO to bridge the critical gap between insurance coverage and when patients actually receive care. Our solution works seamlessly within existing healthcare systems rather than disrupting them”
CAMO does not aim to replace existing players in the healthcare ecosystem. Instead, it offers a protocol layer that integrates them, hospitals, insurers, third party administrators, and financiers, at the singular point where alignment is most critical: the hospital door. "We built CAMO to work with the system, not around it," said Sherwin. "It is flexible, compliant, and designed to plug in securely where patients need it most."
Deployment is structured to begin in Mumbai, with a phased expansion across India’s Tier I and Tier II cities. Strategic onboarding of institutional partners is already in progress. The architecture is built to scale, geographically, financially, and operationally. "We believe access should never depend on geography, paperwork, or luck," Sherwin, added. "India already has laid down the groundwork through Digital India, UPI, and Account Aggregators. CAMO simply connects them to the patient’s lived reality."
Asiwal has filed for a provisional patent to revolutionise the healthcare ecosystem, recognising CAMO's first-mover advantage in the healthcare admission space, where innovation has traditionally concentrated on claims and not admissions. 'This is the missing link in India's digital health stack. We look forward to redefining how this country experiences healthcare access.
India’s healthcare market is forecasted to exceed six hundred billion USD by the end 2025, supported by growing insurance penetration and public health initiatives. Yet without a mechanism that translates coverage into instant access, these gains risk remaining theoretical. CAMO positions itself as that missing mechanism: a digitally native interface for a care system that has, until now, functioned without one.
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