Building the next-generation transparent health insurance platform by the people, for the people.

Blockchain-based Transparent Healthcare

Our proposed network will completely disintermediate the insurance company and the pharmacy benefits manager. We will cut the fat and allow individuals to purchase health insurance at a 50% discount or more compared to normal insurance with better coverage. Our solution is the way to a free market in healthcare.

Claims Adjudication Layer

We will be begin by implementing a fast, decentralized adjudication layer that allows organizations to connect directly with a provider and pharmacy network with minimal network fees. Then we will revolutionize value-based payments by incentivizing improvement in the patient state.

Risk Pool Layer

We will implement a risk pooling solution that allows everyone to pay for exactly as much insurance as they need for their current situation. Complete transparency and profit sharing means that everyone shares in the cost of the health of the community.

Vaidya Insurance

We will set up our own insurance company, open network, no or low deductible and allow patient-choice while decreasing total healthcare cost. Empower patients and providers to drive costs down together, without any intermediaries.

Organization Pool Layer

In keeping with government regulations and tax laws, we will allow organizations large and small to easily join the self-insurance revolution and take advantage of the multiple innovative ancillary services. From concierge services, to personalized cost negotiators, to innovative startup companies disrupting healthcare payments and contracting, all organizations will be able to take advantage of this ecosystem.

Meet the Team

Bhargav Raman, MD


Practicing physician and computer scientist with intimate knowledge of healthcare data and economics. Runs successful patient-centered radiology practice. Involved in several startups implementing free market solutions to healthcare. Has personally built systems from scratch, from bespoke pharmacy and radiology billing systems to pharmacy and medical claims analytics with machine learning.

Raghav Raman, MD


Practicing radiologist with nearly a decade of practice experience with multiple publications in computer aided diagnosis and image processing in radiology. Started and grew a successful radiology imaging center in San Jose with Bhargav Raman using innovative care provision and marketing tactics, effectively navigating the four-sided provider market. Intimate knowledge of the intricacies of healthcare billing and remittance.

German Lopez

Chief Marketing Officer

German brings over 20 years of marketing strategy leadership experience in healthcare, biotechnology, and medical device industries. His contribution of providing support for the use of technology-enabled solutions within his career has helped drive user growth and experience for both companies and consumers.

Kristine Enea, JD/MBA

Chief Legal Counsel

In-house legal counsel with more than 25 years experience in Silicon Valley, from microstartups to Fortune 100, with a focus on contracts process design and commercial contract negotiation. Has designed and implemented contracts systems for marquee companies including Apple, eBay and VMware. Healthcare clients have included Gilead, Genomic Health and Omnicell. Pre-IPO at BEA Systems and Roku. Served as acting general counsel for hardware client through $1B valuation

Krithika Chandrasekaran, MD, MPH (Candidate)

Head, Public health, health education and incentive programs

Unique perspective on physician-patient partnerships for better health outcomes. Passionate about health education and patient engagement creating and fostering a health promoting environment benefiting the whole community.


Head, User Interface Design and User Experience Architect

Adam is a mobile and web user experience designer, working and living in San Francisco. From 97-07 he managed clinical workflow at UCSF, and designed several division websites including a patient portal for SF General. He left UCSF to consult in healthcare, e-commerce, marketing, and fintech companies including, PayPal, Salesforce, Mulesoft, Apple, and Genentech on both product and marketing teams.


Head, Web Design, Development and Marketing

Over fifteen years of experience working at companies ranging from large corporations, non-profits, and start-ups, where she led the design and development of websites, print, identity, and user experience projects.

Advisor Panel

Vaidya Health's all-star advisory team brings a broad range of experience to the team, from health payments startups to high-level health economics and value-based care all the way to the realities of the business of medicine from the trenches.

Bradden Blair, PhD, MBA, MHA

Business executive and entrepreneur who for 15+ years has provided operational leadership, technology management, and financial expertise to companies in many industries including healthcare.

Sachin Jain

Seasoned healthcare entrepreneur and value-based payment model expert. Founder and CEO of Carrum Health, a highly successful startup connecting self-insured employers and top providers through its bundled payment cloud.

Pramod John, PhD

Successful healthcare entrepreneur with deep knowledge of the pharmaceutical space. CEO and Founder of VIVIO Health, a disruptive startup decreasing specialty pharmaceutical costs for self-insured employers.

Malini Niajgal, MD, MPH

Obstetrician Gynecologist dedicated to using innovative payment and care delivery models to achieve a more efficient and effective healthcare system, particularly in the area of Women's Health. Associate Professor at UCSF

Kevin Knopf, MD, MPH

Seasoned Health economist / health services researcher specializing in value based cancer care. Previously CMO for Cancer Commons. Author of more than 50 papers, 5 book chapters and 100 abstracts related to cost-effectiveness and quality of care.

Al'ai Alvarez

Dr. Alvarez is a faculty at Stanford with focus on medical education, recruitment and physician wellbeing, as well as quality and clinical operations. Extensive experience with value increase in the emergency department.

Thomas Hirai, MD

General and Minimaly Invasive and bariatric surgeon. Top doctor in the San Francisco Bay Area by Castle Connolly and the San Francisco Magazine.

Nesheet Parikh, DO

Primary Care Sports Medicine Physician I Medical Technology Consulting