01
Arrangement before incident
Credit terms, documentation standards and escalation routes are signed before a case exists. When one arrives at 3am, nobody is inventing a process.
About us
The desk between the ward and the policy.
Healthcare Solutions is a Maldivian claims management and third-party administration business. We are not a clinic. We are the party that makes the money work while other people do the medicine.
The film
Forty-four seconds.
The whole business, told the way a guest experiences it — from the lagoon to the ward and back again.
How we operate
Four habits the whole business rests on.
Nothing here is clever. It is the same four things, done the same way, on every case.
02
Every step leaves an artefact
Identification, authorisation, guarantee, settlement. Four documents. Nothing in the chain rests on a remembered phone call.
03
Local, and physically present
We are in the Maldives, in the same time zone as the ward. Documents get chased in a corridor, not in a ticket queue on the other side of the world.
04
One file per case
A named coordinator owns it from notification to reconciliation. The insurer and the hospital speak to the same person throughout.
The two arrangements
Credit on one side. Credit on the other. We stand in the middle.
With insurers
They notify us, we manage the case, and they settle our invoice inside an agreed credit period.
With hospitals
They admit on our written authority, invoice us rather than the patient, and are paid inside an agreed settlement window.
Honest boundaries
What we do not do.
Knowing where our job stops is most of what makes the arrangement work.
- Clinical decisions
- The treating hospital decides the medicine. We never influence what care is given, or when.
- Underwriting
- The insurer decides what a policy covers. We apply their terms; we do not write them.
- Insurance
- We are not an insurer and we do not sell cover of any kind.
- Debt collection
- Where a bill runs past the guaranteed amount, we identify the gap before discharge. Collecting it is between the hospital and the patient.
Common questions
Before you ask.
No. We are a claims manager and third-party administrator. We hold credit arrangements with insurers on one side and hospitals on the other, and administer the case in between.
Not at the point of care, where the case is within the guaranteed amount. If treatment runs past what the insurer has guaranteed, that excess is identified before discharge so it can be settled with the hospital directly.
Our arrangements cover tertiary and private inpatient facilities in Greater Malé, with referral and transfer routes from resort and guesthouse islands across the country. We do not publish partner names.
An introductory call, terms aligned to your policy wording, and a signed arrangement. In practice a few weeks — and it only has to happen once.
Yes. The case desk does not close: 24 hours, every day of the year, including Eid and the New Year.
Work with us
Start with a conversation.
Most arrangements begin with a twenty-minute call about how your policies actually read.