What’s your number?

What is your average claim cost?

Ours is under $11!

Blended average cost per healthcare case in this illustrative model.

Tanzania private health insurance claim benchmark ~$

Your Inputs

Lives covered

Daily healthcare need (%)

Online resolution rate (%)

Online case cost ($)

Physical case cost ($)

The daily math

Cases / day—

Online cases—

Physical cases—

With the MedicasONE solution

Online total—

Physical total—

Blended total—

Current claim journey

All cases × Tanzania benchmark—

Average cost per case—

Blended average per case (MedicasONE)—

🇸🇪 Swedish-founded healthcare innovation 13 years of experience in digital healthcare solutions CE-marked medical device

Illustrative model: 0.25% daily healthcare need, 90% online resolution and $8 online case cost. $35 = Tanzania private health insurance benchmark. Challenge us — beat our number.

Interactive economics calculator

Model your own loss ratio.

Edit the inputs below with your own market assumptions. Every result — unit economics, monthly P&L, and the sensitivity grid — recalculates instantly.

Your Inputs

Monthly premium ($/user)

Number of users

Daily utilization rate (%)

Digital consultation fee ($/case)

Physical referral fee ($/case)

Physical referral rate (%)

Unit Economics

Annual visits per user—

Weighted cost per case (blended)—

Annual claims cost per user—

Annual premium per user—

Loss ratio—

Monthly P&L (at your user count)

Daily cases—

Monthly premium revenue—

Monthly claims cost—

Net to the insurance company—

Loss Ratio Sensitivity — Premium vs. Daily Utilization

Live grid: pulls digital fee, referral fee, and referral rate from your inputs above. Edit the yellow row/column headers to test other scenarios.

Daily Util. \ Premium

Yellow cells = editable utilization scenarios and price points. The grid recalculates every cell live as you edit any input on this page.

Notes

Weighted (blended) cost per case = (1 − referral rate) × digital fee + referral rate × physical referral fee. Every case resolves either digitally or physically — not both.

Illustrative model: 0.25% daily healthcare need, 90% online resolution and $8 online case cost. $35 = Tanzania private health insurance benchmark. Adjust freely for your own market.

This calculator does not model the 3-month waiting period or cohort growth.