Cashless care, anywhere in the Maldives.
We sit between international insurers and Maldivian hospitals, so a guest who needs a bed gets one. No deposit. No delay. No conversation about money.
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Nobody books a hospital into the trip.
Sometimes the trip books one anyway.
Their insurer calls us. We take it from there.
First call to last transfer.
Admitted without a deposit.
Someone holds your hand the whole way.
A guest falls ill a long way from home. Three parties have to agree, quickly — the hospital that must admit, the insurer that must pay, and the person in between. We hold credit on both sides, so the agreement already exists before the case does.
How we operateSix functions, one goal.
Cashless arrangements
Credit facilities held on both sides, so an eligible guest is admitted without paying a deposit or an admission fee.
02Pre-authorisation
Policy identified, eligibility confirmed, and an authorisation letter with the provider before or at the point of admission.
03Guarantee of Payment
The insurer’s guarantee obtained against the proforma, and ours reciprocated to the hospital with the amount stated in full.
04Claims scrutiny
Final invoice, discharge summary and itemised laboratory and pharmacy breakdowns checked line by line against policy terms.
05Settlement & reconciliation
Collected from insurers inside the agreed credit period, disbursed to providers inside theirs, reconciled invoice by invoice.
06Case management
A named coordinator per case, tracking the patient from notification through transfer, treatment, discharge and repatriation.
Partners on every side of a case.
One desk between the people who insure a traveller, the places that host them and the hospitals that treat them.
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Hospitals & clinics
Admitting providers in Malé and across the atolls.
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Health insurance companies
Travel and health insurers whose members holiday here.
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Assistance companies
The assistance desks that call us when a member falls ill.
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Resorts & guesthouses
Where the guest is when the call comes in.
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Corporates
Employers with staff and visitors in the Maldives.
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Embassies & missions
Consular teams looking after nationals abroad.
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Liveaboards
Dive and cruise vessels far from the nearest hospital.
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Airlines & aviation concierge
Crew, passengers and the concierge desks that look after them.
Every case runs the same route.
Four checkpoints. Each one leaves a document that has to exist before the next begins.
Two sides of the same file.
One local counterparty for every Maldives admission.
- Cashless inpatient admission for your policyholders
- Pre-authorisation issued against your policy terms, not ours
- Proforma, medical report and discharge summary before you commit
- A defined credit period, so treasury can plan the outflow
Admit the patient. We handle the payer.
- Written identification of the policyholder before admission
- An average limit advised up front, so no deposit is needed
- A guarantee letter stating exactly what we settle, before you invoice
- Any excess identified early, so it can be collected at discharge
Terms are agreed before the first case, not during it.
There is a case, or there will be.
Notify the desk now, or open an arrangement before you need one. Both start in the same place.