Care and cover, in one plan.
A proposed plan for members of large networks: unlimited doctor consultations online, with personal accident cover and a hospital cash benefit from a licensed insurer. Enrolment, policy issue and claims are digital from end to end.
Status: proposed plan. It is not yet available. Insurance benefits are provided by a licensed insurer under its policy terms, which set out the limits and exclusions.
At a glance
Three benefits, one enrolment.
- online doctor consultations, 24×7
- Unlimited
- benefits: care, accident cover, hospital cash
- 3
- enrolment, policy documents and claims
- Paperless
- proposed time from kick-off to launch
- 6 weeks
What members get
Everyday care, with protection behind it.
Doctor on call
A general physician by teleconsultation at any hour, with no limit on the number of consultations.
Personal accident cover
Pays the sum insured for accidental death or permanent total disablement, and a set share of it for permanent partial disablement.
Hospital cash
A daily amount for each completed 24 hours in hospital, up to a set number of days a year, and double the amount in intensive care.
How enrolment works
From sign-up to covered, online.
No paperwork at any step.
01Member
Enrols online
Details are captured digitally through the partner's portal and an enrolment form.
02Platform
Checks the details
Data is validated and sent securely to the insurer through APIs.
03Insurer
Issues the policy
In real time or near real time, with digital policy documents.
04Platform
Activates care
Unlimited doctor-on-call access is switched on for every policyholder.
05Member
Gets everything
A policy certificate, a welcome message, benefit details and support contacts.
Claims
Claims where people already are.
Members can register a claim the way that suits them, and get help at every step.
WhatsApp
A dedicated number, instant acknowledgement, document upload and real-time status updates.
Email
A dedicated claims address for documents, with automatic acknowledgement and status updates.
Helpline
A dedicated number for assisted registration, claim guidance, status tracking and escalation.
End-to-end help
Claims are coordinated with the insurer so that they are processed and resolved on time.
Launch plan
Six weeks to launch.
- Week 1
Requirements and kick-off
- Week 2
API design and integration
- Week 3
Development and configuration
- Week 4
Integration testing
- Week 5
User acceptance testing
- Week 6
Training and go-live
Proposed timeline, confirmed with each partner organisation.
For partner organisations
Simple to offer, clear to run.
01One digital journey
Paperless enrolment, issue and claims, connected to the systems the partner already uses.
02One window
Members get a single point of contact for care, cover and support.
03Built to grow
An architecture that can add benefits later without rebuilding the journey.
04Reporting
Regular reports on enrolment, usage and claims, for full operational transparency.
Next steps
Start with a conversation.
Three steps, and no commitment until the plan is agreed.
- 01
Briefing
A 30-minute walk-through of the model, the phases and the safeguards.
- 02
Scoping
We work with your officials on geography, numbers and links to existing schemes.
- 03
Phased plan
A Phase 1 plan with agreed phase-gate criteria, before any commitment.