the products
Three rails.One clear path.
Bridge, Express, and Assist each solve a distinct problem, and together they cover the full spectrum of healthcare finance and claims.
Reimbursement rail
FriendyBridge
Reimbursement finance for non-network hospitals
When a patient chooses a hospital outside the insurer's network, cashless may not be available. Friendy Bridge enables treatment to proceed by settling eligible hospital bills upfront for reimbursement cases. Repayment happens after the claim is settled.
ideal for
- Non-panel / non-network admissions
- Patients who want their preferred hospital
how it runs
Hospital submits details
Estimate, policy, and key medical docs
Medical appraisal + AI risk scoring
Our medical underwriting engine decodes the policy, checks coverage, and provides an estimated approval amount
ClaimFriendy pays the hospital
ClaimFriendy provides the patient with upfront financing to settle the bill with the hospital
Claim tracked to settlement
Patient pays back after the settlement of claim
Fast-track discharge rail
FriendyExpress
Fast-track discharge financing
Your treatment is done and your doctor has cleared discharge, but insurance final approval is still pending. Friendy Express bridges that gap so you can go home early, without waiting on paperwork.
ideal for
- Patients cleared for discharge but awaiting final insurance approval
- Cashless cases where settlement paperwork is delaying discharge
how it runs
Share 3 documents
PAN card, policy copy, pre-auth approval
Agreement & mandate signed
Safety limit set: only actual shortfall ever debited
Pending amount settled with hospital
You are discharged immediately
Repay shortfall within 2 days
Zero interest · EMI available if needed
Claims operations rail
FriendyAssist
End-to-end claims & policy support
From interpreting policy clauses to preparing a complete claim file and responding to insurer queries, Assist reduces delays and confusion until settlement.
ideal for
- Patients & hospitals with complex claims
how it runs
Share policy + documents
Discharge summary and bills
Coverage decoded
Limits, co-pay and sub-limits in plain language
Claim file prepared + QC'd
Complete, submission-ready documentation
Queries handled to settlement
WhatsApp / email updates throughout