Loop

Presenting to you — the Loop India Workforce Health Index 2025. The most comprehensive study of Indian workforce health behaviors and biomarkers ever conducted. 25+ unique data cuts across demographics, cities, biomarkers and behaviours. Link in comments ⬇️

@CPuwar21 @amritxyz Hey Chetan, this certainly isn’t the experience we want you to have. We’re sorry for the delay. We're having this checked on priority, and our team will review your case and share a clear update with you tomorrow morning. Thank you for your patience.

Om Satija is running Kanyakumari to Kashmir. 5,000 km. 50 km a day. No rest days. He's raising money to educate 1,000 kids from leprosy-affected families through Udayan Kolkata. We're covering his health insurance for the whole run. He shouldn't have to think about that part. @omsatija_ @LoopHealthHQ

We've all started the year with big resolutions and lost steam by February. So we tried a different approach. Check it out 👇

Everyone talks about the win. No one talks about the tries it took to get there.

@kmr_dilip happy to know we’ve been doing it right!! @LoopHealthHQ

My Delhi-strained lungs were gifted this air purifier by @LoopHealthHQ. Thank you! Didn’t expect to share my experience publicly and for it to actually resonate. But yeah, bottomline again — tough times we live in, get a health insurance for you and your family.

We talk a lot about the 20-year health gap. @harnidhish wrote a piece that explains the mission and what it takes to close it. This is a story worth reading.

Introducing a new substack series: A Week With One of the fantastic perks of what I do is the access I get to startups I admire. It has led me to wonder why some startups stick with me. Not succeed (though they do that!) alone, which is measurable in funding rounds and revenue multiples and whatever metric is exciting this quarter. I mean stick. The ones you find yourself bringing up in unrelated conversations. I’ve been lucky enough to get close to a few of these over the years, sometimes as an investor, sometimes as a consultant, sometimes just as someone who asked enough questions that they let me hang around. So, once a month, I’m going to embed into a startup I admire and try to write my way toward understanding why it works. Not a profile, since I find profiles a bit boring, honestly, all that “founded in 20XX, raised Series B” stuff is easily found. More like standing inside the machine and looking at the gears? The first one is Loop Health (@LoopHealthHQ). I’ll be honest, I went in a skeptic. “Adding 20 healthy years to India’s workforce” sounds like the kind of mission statement you put on a pitch deck but no one actually believes in. But then I spent a week watching their medical ops team at 2 AM, coordinating care for an employee’s father having chest pains 1,100 kilometers away, and I started to understand what they’d actually built. Loop has spent the last six years trying to untangle the perception of what insurance is understood as vs what it can actually be. Writing this essay made me believe a little more in the awesome power of big dreams.

Eight years, 1 million lives. Sat down with @business_today to reflect on building @LoopHealthHQ and what it's taught us about the difference between covering health and managing it. Turns out, the gap between those two things is everything. Full interview: bit.ly/4sCql8L

We’ve made it to 1M members. Only a billion more to go. Here’s to adding 20 years more healthy years to lives of Indians.

RT @ryansingh123: 1 million lives now covered by @LoopHealthHQ. Every one of them deserves to reach 50 without battling diabetes. To hit 6…

Last week we ran a giveaway to celebrate 1 million Loop members. One question: What medical incident in your family changed how you think about health, life, and finances? Hundreds of replies, these three hit hardest.: → @SamreenRazz → @MotwaniPrabhat → @kunksed Air purifiers heading your way. Thank you for sharing what most people never talk about.

@SamreenRazz Hi @SamreenRazz, your thread really stood out. We’ve reached out via DMs to connect, but it didn’t go through. Please DM us so we can take this forward.

Not one to speak about this publicly, but this matters. I lost my dad at 23 to stage-4 inoperable oesophageal cancer. The day he was diagnosed is when my grief really began because the doctors were clear: there is very little time. My mom still had hope. I was realistic. (1/n)

@assthad 😳😳😳

I had a severe nosebleed one morning and was rushed to the hospital for a small procedure. I came back home still bleeding. The next morning, I woke up to find no one at home my dad was in the ICU for severe dehydration. Two days later he was fine, but on the day he was supposed to come home, my grandma had a minor heart attack and was admitted to the hospital. Everything happened back to back. It completely changed how I think about life

Meri Ek taang nakli hai, Mai hockey ka bohoth bada khiladi tha. Ek din Uday bhai ko meri kisi baat pe gussa aagaya aur mere he hockey se meri taang ke do tukde kar diye. Lekin dil ke bohot ache hai, Fauran mujhe hospital le gaye aur ye nakli taang lagwayi

Lost 2 family members in 2 consecutive years. Loved them the most. Completely changed how I think about life, finance, and family. Lost a core of myself I've been dying to find ever since. Also, discovered the rotting hell of Indian healthcare system, designed to drain you out.

1/N In 2021, I was chasing a dream of a government job. My girlfriend was fighting a silent battle. She found nodes in her neck—a doctor called it TB. 6 months of heavy meds and weight gain followed. We thought the storm had passed. We were wrong.

I was in fifth grade when I learned to read my parents' silence. They were talking in the kitchen, late at night, in that particular hush that parents use when they think children are asleep. I caught fragments. Bombay. Tests. Something about a doctor. The next morning, everything was normal. Chai, school, the shop. But I had heard the frequency shift. It was 2004. My father was 39. We had just moved out of the room behind our kirana store—a chawl on the outskirts of Panaji—into a proper apartment. Our first EMI. Things were looking up in the way they do for Indian middle-class families who have spent years looking at the same ceiling: slowly, carefully, one calculated risk at a time. Then the diagnosis. Stage 3 follicular lymphoma. I didn't know what lymphoma meant. There was no internet to tell me, no Google to spiral into. Cancer was a word from movies—something that happened to people in cities, in dramatic hospital scenes with violins. Not to shopkeepers in Goa. Not to fathers who opened shutters at 7 AM and counted change at night. They kept me in the dark. The logic was simple: don't disturb the boy's studies. So I went to school. I came home. I did homework. And in the margins of this ordinary life, my father was taking buses to Mumbai for chemotherapy. I still don't fully understand how he did it. A biopsy, then a bus. Chemo, then the overnight journey back. Tata Memorial to Kadamba bus stand. The same man who winced when he cut his finger slicing onions was now traveling eight hours each way with poison in his veins, because what else was there to do? Goa didn't have the facilities. We didn't have the money for flights or hotels. So he sat on buses, probably in pain I can't imagine, probably next to someone complaining about the AC being too cold. My mother ran the shop. Not "helped out"—ran it. Wholesale orders, inventory, customers, credit books, all while her husband was in the jaws of something that might kill him. New scans kept showing the cancer spreading. The word "spreading" did a lot of work in those days. And I? I was a child. Which means I was selfish in the way only children can be—not out of cruelty, but out of not knowing. My father was alive and not going bald like he did so I assumed things were now fine. I was still in the dark. I remember crying for days because I wanted a geared cycle. All my friends had them. The fancy ones with the grip shifters. I needed it for school, I argued. I needed it because everyone else had one. I remember my parents' faces when I wouldn't let it go—that particular exhaustion of people who cannot explain why they're saying no, because the explanation would break something. Every rupee mattered. I didn't know that yet. I didn't know that they were borrowing money from friends, from family, sometimes from customers at the shop—the same aunties who haggled over soap prices were quietly lending us cash to keep my father alive. That's the thing about the Indian middle class: the safety net is made of relationships. Of people who've known you long enough to trust you'll pay them back, eventually. No paperwork. Just faith, and shame, and gratitude all mixed together. My father then spent 40 days in Mumbai for radiation. He stayed with my aging grandparents in a small flat while I finished my exams and my mother kept the shop open. I don't know what those 40 days were like for him. He never talked about it. Men of that generation don't. They just endure, and then they come home, and life continues as if nothing happened. The magnitude of what was happening to my family didn't hit me until years later. No health insurance, of course—it was unheard of for people like us. The treatment, the travel, the lost income from the shop, the interest on loans that weren't from banks. It drained us completely. Not metaphorically. Actually. The kind of drained where you stop going to movies. Where eating out becomes a memory. Where "vacation" is a word other families use. Miraculously—and I use that word carefully—things stabilized. By 2007, the cancer was in remission. Whether it was the radiation, the medication, or the wheatgrass cow dung milk ayurvedic concoctions my mother sourced from god-knows-where, I don't know. Probably all of it. Probably none of it. Cancer does what cancer does, and we tell ourselves stories about why. But remission doesn't mean freedom. It means waiting. It means every annual checkup is a held breath. It means the knife never really leaves—it just hangs higher for a while. It took us until 2015 to recover financially. Eleven years. A whole decade of my adolescence spent in the aftermath of something that happened in three months. That's the part nobody tells you about illness: the medical crisis has a timeline, but the financial crater doesn't. It just sits there, and you fill it in slowly, one repaid loan at a time, one favor returned, one customer you finally pay back. In 2012, I got admits to colleges abroad. Good ones. The kind of opportunity that I'd dream about for my children. My mother sat me down and gently suggested I reconsider. She didn't say "we can't afford it." She said: "What if it comes back?" The knife, always dangling. She was right to think it. I knew she was right. So I gave the BITSAT, got into BITS Pilani with a generous scholarship from the Goa government, and made it through. It was the practical choice. The safe choice. The choice you make when you've learned that life can pivot on a diagnosis. It did come back. In 2022, the lymphoma transformed—DLBCL this time, more aggressive—and everything we'd feared for eighteen years arrived all at once. My father went through treatment again. CAR-T therapy, a clinical trial. Brief remission. Then not. He passed in 2023. But the thing I think about now, the thing that connects that fifth-grade boy crying about a cycle to the man I became: when it came back, I was ready. Not emotionally—you're never ready for that. But financially. I could go all out. Best doctors. Best facilities. No borrowed money from customers. No buses to Mumbai. When the bill came, I could pay it. The CAR-T didn't work. Cancer won anyway. But I sleep at night. I sleep because I know I did everything that could be done. There's no version of me lying awake wondering: what if I'd had more? What if I could have afforded that other treatment? That guilt would have eaten me alive. It would have been worse than grief. I think about this when people ask me why I care so much about money. Why I write about financial security. Why I'm building what I'm building. It's not ambition. It's not greed. It's not even wisdom. It's trauma response. The boy who cried about a geared cycle grew up to understand something about money that no finance book teaches: it's not about the stuff. It's about what happens when the phone rings and someone says the word "biopsy." It's about having options when you have no good choices. It's about not borrowing from the aunty who buys soap from your shop. My father ran a kirana store. He woke up early. He counted change at night. He took buses to chemo because that's what was available to him. He never complained. He came home and opened the shop the next day. I don't know what he would think about me writing this. He wasn't the type to share. But I think he'd understand why I'm sharing it: because somewhere, there's a family in a small town, getting a diagnosis, doing the math, realizing the numbers don't work. I want them to know they're not alone. And I want the version of me that comes after them—the child who doesn't fully understand yet—to grow up in a world where this story is a little less common. That's all. Now go, get some insurance and take your parents out for dinner while they're still around.