For insurer partners

Lower your IPD claims.
With OPD data.

Every insurer in India prices OPD risk on guesswork. We turn ten years of verified OPD data into underwriting intelligence that updates every quarter.

Continuous underwriting

Risk scores update quarterly — not just at enrolment. HbA1c trends, scripts, specialist visits. Act mid-policy, not just at renewal.

Predict hospitalisations 6 months out

68% precision against the actuary's 55%. We surface 22 more high-risk members per 50 — each a roughly ₹1 lakh claim you can price for or prevent.

Plans engineered for your actual pool

Our engine scans your book monthly, finds underserved cohorts, and writes plan proposals with projected loss ratios. Three weeks of BD work — in 48 hours.

Share your IPD data, unlock the rest

Under NDA: cohort-level OPD→IPD maps, geographic underpricing alerts, 18-month forward forecasts. We become your full actuarial intelligence layer.

The 27× ROI case
1,00,000-member pool · ₹1L average IPD claim · documented catch-rate
0
High-risk identified
→
0
Admissions avoided
=
₹0Cr
Saved vs ₹5Cr HA fee
Insurer intelligence dashboard
Niva Bupa · 1,00,000 members
6.1%
Avg HbA1c · stable
234
High-risk flagged
₹38.5L
Claims avoided Q
Auto-generated plan opportunity
Metabolic Care OPD Rider
8,000 members · 35–45 yr · IT sector · no metabolic OPD cover today
72%
Utilisation
78%
Loss ratio
₹2.4Cr
Premium
₹3.8Cr
IPD avoided
IPD data unlock — share your claims and we add correlation maps, underpricing alerts, and 18-month forecasts.
Why no insurer can build this themselves
→7,000 owned providers — real visits, real data — not self-reported claims.
→10 years of labelled data — you cannot manufacture OPD-to-IPD history with funding.
→8 member touchpoints / year — insurers see members at enrolment and at claim. We see them in between.
How it works

One booking. Six ripples.

One GP visit. Six downstream signals. Every data point sharpens the model.

01
Member books
Fixed price, cashless. Same anywhere in India.
price_locked: ₹350
02
Provider follows protocol
Vitals captured. ICD-10 notes inside 24 hours.
vitals: { BP: "118/78" }
03
Data enters the pipeline
Labs via HL7/FHIR. Pharmacy via API. Quality-scored.
HbA1c: 7.2% → ELEVATED
04
Risk signals fire
Health score, underwriting tier, IPD risk — all updated.
ipd_risk: 48 → 71
05
Proactive care kicks in
₹3,000 in prevention beats ₹1L in hospitalisation.
intervention: ₹3,200
06
Insurer sees intelligence
Pool health, risk flags, claims avoided — every month.
claims_avoided: ₹38.5L
Scale

A decade of building.
A platform worth defending.

0+
Healthcare centres
0+
Cities & towns
0M+
Active members
0yr
Longitudinal data
₹0Cr
Annual premium
Get started

Ready to see what
OPD intelligence can do?

Pick your path.

Insurer partners
The underwriting edge you've been missing

Start with a proof of concept on your existing pool. No integration required to begin.

Request a demo →
Corporate employers
OPD benefits that actually get used

Cashless OPD nationally. Live health dashboard. Predictable renewals.

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Individuals & families
Healthcare that knows your history

Fixed prices. Health Score. Benefits you'll actually use.

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