The Numbers | Medicual

Medicual — the economics

What's your number?

What is your average claim cost? Ours is under $11!

$10.71

Blended average cost per healthcare case in this illustrative model.
Tanzania private health insurance claim benchmark ~$35

Your Inputs

Lives covered

Daily healthcare need (%)

Online resolution rate (%)

Online case cost ($)

Physical case cost ($)

The daily math

Cases / day

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Online cases

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Physical cases

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With the Medicual solution

Online total

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Physical total

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Blended total

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Current claim journey

All cases × Tanzania benchmark

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Average cost per case

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Blended average per case (Medicual)

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Your number — current claim journey

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With the Medicual solution
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🇸🇪 Swedish-foundedHealthcare innovation

13 yearsExperience in digital healthcare solutions

CE-markedMedical device

Challenge usBeat our number

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

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Weighted cost per case (blended)

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Annual claims cost per user

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Annual premium per user

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Loss ratio

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Monthly P&L (at your user count)

Daily cases

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Monthly premium revenue

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Monthly claims cost

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Net to the insurance company

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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.

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.