What happens after
the first interaction.

Across the market, digital healthcare already exists: apps, telemedicine, provider networks, call centres, hospitals, pharmacies and claims systems.

The recurring weakness is continuity. A digital consultation may happen in one place, a hospital visit in another, diagnostics somewhere else, and the claim later enters yet another system.

What happens after the first medical visit?

The second and subsequent treatments will often not be with the same provider. If the information and clinical context do not follow the patient, the next case effectively starts again from zero.

Where MedicasONE fits

MedicasONE is not another telemedicine benefit. It is the clinical infrastructure that connects the insured member, the doctor, the provider network and the insurer into one continuous healthcare journey.

The product

The customer should know exactly what was bought before the day care is needed.

The experience

The member answers a few structured questions from bed, home or work. The system triages the case and routes it to the appropriate clinician. The member waits approximately 15 minutes for the clinical interaction.

Our experience is that 90% of cases can be resolved digitally: diagnosis, treatment, prescription and follow-up are handled there.

If physical care is needed, the patient is referred onward already assessed, with the relevant clinical information and a defined next step.

Why would the insured member use it?

Because this is not an optional service hidden inside an insurance policy. It is the product experience the member knowingly bought.

Healthcare has been digitalised in many places, but the navigation burden is still often left with the patient — precisely when the patient is least equipped to carry it.

One product first

Create the behaviour, build the clinical history, prove the economics — then decide whether to scale.

How the model can be introduced

Not a replacement of your existing portfolio and not a broad platform roll-out from day one. The model can be introduced through one clearly defined insurance product built around this clinical pathway from the beginning.

• Insurance product design and underwriting.
• Distribution, market credibility and market-specific experience.
• Actual utilisation, claims, provider and cost data needed to test the economics.

• The clinical gateway and patient journey.
• Triage, clinician routing, digital resolution and controlled referral.
• Continuous clinical information across subsequent interactions.
• The infrastructure to measure utilisation and link the care journey to the claim journey.

What the first phase should prove

Will members use the defined pathway? What percentage can be resolved before unnecessary physical utilisation occurs? How does referral behaviour change? What does the insurer’s own claims data show about the economics?

The clinical infrastructure and the insurance product are designed to work together. A first defined product creates a measurable population, tests the model against real market data, and provides the evidence required before wider implementation.