Every case runs the same route.
Seven steps, always in this order. Each one produces a document, and each document has to exist before the next step begins.
From the first phone call to the final payment.
The route below is the whole product. It does not change with the size of the case, the hour, or which island the guest is on.
See the six functionsThe patient calls their insurer.
A guest who needs care contacts their insurer or assistance company — from a resort, a guesthouse island, or the hospital itself.
The insurer notifies the desk.
Patient identity, policy number, location and the transfer required. The file opens here, and it stays open until the last invoice is reconciled.
We identify the patient to the hospital.
The provider receives written confirmation that the guest is eligible under our arrangement, with an advised limit, so admission proceeds without a deposit.
Treatment completes. The hospital asks for a guarantee.
Before discharge, the hospital issues a proforma invoice with the medical report and estimated cost attached.
The file goes to the insurer.
We forward the proforma and the clinical documentation, and ask the insurer for their Guarantee of Payment against it.
We reciprocate our own guarantee.
Our GOP goes to the hospital with the guaranteed amount stated in full. Anything above it is identified now, so it can be collected at discharge rather than discovered later.
The insurer pays us. We pay the hospital.
Received inside the insurer’s credit period, disbursed inside the provider’s settlement window, reconciled invoice line by invoice line.
By the time a guest reaches admissions, the argument is already over.
No deposit
Eligible guests are admitted without paying, up to the advised limit.
No admission fee
Nothing is charged at the counter for a case inside the arrangement.
Excess named early
Anything above the guarantee is identified before discharge, never after.
Dates fixed in the arrangement.
About the flow.
The case does not become the hospital’s problem by default. We tell both sides immediately, in writing, and the patient is given the position before treatment continues rather than at the counter afterwards.
As soon as the insurer confirms eligibility. In an emergency, the desk works the identification and the transfer in parallel, so admission is not waiting on paperwork.
We do. The discharge summary, the itemised laboratory and pharmacy breakdowns, and the final invoice are collected by us, not requested from the patient.
The gap is identified before discharge and communicated to all three parties. The guaranteed amount settles as normal; the excess is a matter between the hospital and the patient, and it is never a surprise.
There is a case, or there will be.
Notify the desk now, or walk through the flow with us before you need it.