The Affordability Challenge
Even where MedUnited's clinics exist, out-of-pocket healthcare spending remains the single largest driver of rural poverty. Over 63% of Indians pay for healthcare entirely out-of-pocket. MedhAnkura's financial innovation addresses this with two complementary models: one hospital-subscription-based, one community-trust-based.
MedPass
MedPass is MedUnited's subscription healthcare plan — providing enrolled families with predictable access to consultations, diagnostics, and pharmacy services at fixed monthly or annual premiums, eliminating the financial shock of sudden illness.
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Unlimited Outpatient Consultations
Enrolled members access any MedUnited clinic without per-visit fees — removing the cost barrier to seeking care early.
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LabIQ Diagnostic Benefits
Discounted diagnostic services at all LabIQ-integrated clinics within the network.
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PillIQ Pharmacy Benefits
Prescription fulfilment benefits for enrolled members across PillIQ pharmacy locations.
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Preventive Care Bundled
Annual age-appropriate health screenings included — incentivising prevention over treatment.
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Ayuvu Health Score Integration
Higher Health Scores unlock premium benefits and lower renewal premiums, rewarding sustained healthy behaviours.
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Family Enrollment Tiers
Household-unit enrollment covering all family members under a single plan.
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Telemedicine Consultations
Remote consultations with MedUnited doctors included for enrolled families with connectivity access.
Ayuvu Bharosa
Ayuvu Bharosa (Telugu: "Health Assurance") is the Cognitive Care Foundation Trust's community health membership program serving the Konaseema region — designed for the families who fall through the gaps of formal insurance and government schemes.
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Comprehensive Care Coordination
Access to best-in-class doctors with care coordination support across the Four Healths network.
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Financial Protection
Catastrophic healthcare cost protection for high-expense events beyond routine care.
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Early Detection Focus
Strong emphasis on early detection and preventive care to reduce downstream treatment costs.
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Mental Health Support
Mental health awareness, screening, and support programs integrated into community membership.
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Community Health Challenges
Village-level health programs building collective health awareness and accountability.
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Local Problem Identification
Community-level health issue identification and resolution through the trust network.
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Advanced Analytics
Community health index tracking and analytics to measure and improve population-level outcomes over time.
The Integrated Model
MedPass and Ayuvu Bharosa are designed to work together — with MedPass providing the hospital network and clinical infrastructure while Ayuvu Bharosa handles community trust, financial access, and preventive engagement. Together with the Ayuvu Health Score gamification platform, they create a comprehensive health financing and engagement ecosystem unique in rural India.