Software for medical insurance companies
Pay only the right claims. Invoice everyone in one click.
M‑Care Suite helps you do the four things that decide whether your scheme makes money: know who is covered, pay only what your rules and your agreed price lists allow, invoice every organisation and individual client on time, and see what you are making while you can still act on it.
Everything works off one member record, so a claim, a hospital's list and an invoice always tell the same story.
A free test run using your own scheme rules. No tender, no purchase to start.
1 click
Invoices a whole month
Every client invoiced and emailed, in one run
1
Member record
Cover, claims, billing and money all read it
Free
Try it first
Your own rules, your own past claims
What it's for
Four ways it pays for itself
Most insurers keep members in one place, claims in another, billing in a spreadsheet and the money in a fourth — then spend every month making the four agree.
01
One member record you can rely on
Members, dependants, benefits and renewals in one place — and the claims desk reads the same page.
·Stop paying claims for people who are not covered
·Hospitals get a yes or no, never a balance
·Renew a whole scheme without losing members
How this saves you money →
02
Pay only what your rules and prices allow
The system checks every claim against your rules and your agreed price list, and turns down what does not pass.
·Nothing outside the contract gets paid
·Nobody can be charged above the agreed price
·Your staff only look at the few hard cases
How the system protects your money →
03
Invoice every client at once
One button invoices every organisation and every individual client you cover for the month.
·A month of invoicing done in minutes
·Clients pay by card straight off the invoice
·Nobody reaches a hospital list before your agreement says so
How this gets you paid sooner →
04
Full accounting, from quotation to financial statements
A complete accounting system behind the scheme — from the first quotation to the year‑end statements.
·Quotation to invoice to payment received, in one flow
·Every payment requested and approved before it goes out
·Client payments reconciled by the bank feed, not by hand
See the accounting behind it →
Sound familiar?
Money leaves quietly when the four jobs are done separately
When cover, claims, billing and money live in different places, nobody can answer a simple question — what are we paying out, and what are we owed — without days of checking.
You pay for people you no longer cover
Changes to members, new dependants and suspensions reach the claims desk late, so claims are paid for cover that had already ended.
The same claim gets two different answers
Limits, exclusions and the prices you agreed with each hospital sit in documents and in people's heads, so the answer depends on who picks the claim up.
Invoicing takes two weeks and still goes out wrong
Invoices are typed one client at a time from an old member list, individual families are missed, hospital lists are emailed when someone remembers, and the money is checked long after it mattered.
↓ M‑Care Suite does all four off one member record ↓
You stop paying for cover that ended
Members, dependants and suspensions sit on the same record the claims desk reads, so the answer is always today's answer.
The system answers every claim the same way
Your limits, waiting periods, exclusions and agreed price lists are put in once. The system then checks every claim against them and turns down anything they do not allow.
A month of invoicing takes minutes
One click invoices every organisation and every individual client from today's member list, each with a card-payment link. The hospital subscriber list then goes out on the payment rules you agreed with each one.
The rest of the system
What makes the four jobs possible
The parts working underneath, included for everyone. You do not buy them separately.
01
Hospital contracts and agreed prices
Every hospital's contract and price list in one place, item by item, used by the system the moment a claim arrives — not argued over claim by claim.
What you get: You pay the price you signed for, and nothing you did not sign for.
02
Benefit and scheme design
Build schemes, benefit categories, limits, co‑payments and waiting periods, and version them as they change.
What you get: Rule changes are configuration, not a code release.
03
A window for hospitals and clients
Hospitals look a member up and get a straight yes or no on cover, plus a warning when a referral letter is required. They never see balances or limits. Organisations and individual clients see their own member list, invoices and statements.
What you get: Cover is confirmed before treatment, without showing anyone what is left to spend.
04
Sending out the paperwork
Invoices, member lists and payment statements are made and sent by the system, and it keeps a record of every one.
What you get: You can prove what was sent, to whom and when.
05
A record of everything
Every check, answer, rejection, invoice and payment shows who did it, when, and on what basis, with limits on who may approve what.
What you get: Auditors and the regulator are answered from the system.
06
Reports for the board
What you are taking in, what you are paying out, by scheme and by hospital, and what is still owed — all from live figures.
What you get: One set of numbers everyone works from.
Who it's for
Made for the people who pay the medical bills
Medical insurers, health schemes and administrators — covering organisations with members under them, individual clients with their dependants, or both.
Medical insurers
Everything in one place: members, benefit design, claim decisions, and the books behind premiums and paying providers.
Go live one step at a time
Third‑party administrators
Run several schemes at once, each with its own rules, providers and reports, from one system.
Scheme by scheme
Employer and mutual schemes
Run your own scheme properly — who is covered, what they are allowed, and what gets paid — instead of spreadsheets and trust.
Single scheme first
Book a free 20‑minute call on WhatsApp →
Want to see it work on your own scheme rules? Set one up yourself in the free test run — we will show you how.
Who uses it
Already running on M‑Care Suite
Medical insurers use M‑Care Suite to manage members, claims and the finance behind them.
Malawi
Precious Medical International
Access & security
Online, on any device — and secure
Nothing to install. M‑Care Suite runs online, so your staff and users can work from a computer or a phone, wherever they are.
HTTPS
Encrypted connections
All traffic is sent over HTTPS, so data is protected between the user and the system.
By role
Role‑based access
Each user sees only what their role allows — set by you, user group by user group.
Every change
Audit trail
Changes are recorded with who made them and when, so every figure can be traced.
Online, in the browser
Hosted in the cloud and opened in any web browser. No servers to buy, no software to install, and updates arrive automatically.
On a mobile phone
The same system works in a phone's browser, so people without a computer can still use it.
On WhatsApp
Available now
M‑Care Suite can be reached on WhatsApp, so members and staff can get what they need without logging in on a computer.
How it works
You set it up yourself, and we train you
There is no implementation project to wait for. Wizards walk you through your schemes, rules and prices step by step, we train your staff, and you do the work at your own pace. If you would rather we did a part of it with you, just ask — we agree that with you.
Our systems follow the way you already work. We set them up around your current workflow — we don't make you change your process to fit the system.
Step 1
You set up a scheme with the wizard
Follow the wizard through your own benefits, limits, exclusions and agreed hospital prices. We train your staff on it first, and stay a phone call away while you work.
Step 2
You run your own past claims through it
Put a batch of claims you have already settled through the system, then compare what it decided and what it would have paid with what actually happened.
Step 3
You go live one step at a time
Members move across first, then claims, then the money side — one scheme at a time, with your old way still running until you are happy.
Try it free on your own benefit rules →
Try it yourself first, then go live one scheme at a time.
Pricing
You pay for the people you cover, and nothing to try it
Scheme is $0.50 per active member per month, for up to 50,000 members. For larger books or several schemes, we agree pricing with you. Membership, claims, billing and finance come together, not as four things to buy.
Free test run
Start here
One month, set up a scheme yourself
Free
one month · nothing to commit to, no tender needed
·Wizards to set up your own rules
·Training for your staff included
·Run your past claims through it
·Invoice a month you have already invoiced
·Our help if you want it
Scheme
One scheme, up to 50,000 members
$0.50
per active member per month
·Members and dependants
·Claims checked against your rules and prices
·Pre‑authorisations and benefit limits
·Monthly invoice runs and statements
·Hospital contracts and price lists
·Finance, books and reports
·Help moving across, one scheme at a time
Book
Several schemes, or over 50,000 members
Let's talk
contact us to discuss pricing for your book
·Everything in Scheme
·Multiple scheme rulebooks
·Consolidated board reporting
·Named implementation lead
·24/7 help when claims stop
Every rate is agreed in writing before anything moves across.
SMS and WhatsApp messages are charged separately. Rates depend on your country, so contact us for a quote.
Where we connect to a bank or mobile money service, that institution’s transaction charges are billed separately. We handle the technical side only and cannot set third‑party charges.
On‑site implementation is charged at actual cost: flights, accommodation, vehicle hire, meals and other travel expenses.
Pay by card or bank debit through Stripe, or by invoice and bank transfer — whichever your finance team prefers.
Common questions
What insurers and administrators ask us first
Can we test it before committing?
Yes. You set up one of your schemes yourself — the wizards take you through it and we train your staff first — then run your own past claims through it and compare the answers and amounts with what actually happened.
Do we need your people to set it up for us?
No. It is built to be set up by your own staff, with a wizard for each part: schemes and benefits, hospital contracts and prices, invoicing rules and users. We train you on it and answer questions as you go. If you would rather we did some of it with you, we agree that with you — it is a choice, not a requirement.
How do we pay you?
By card or bank debit through Stripe, or by invoice and bank transfer if your finance team prefers that. Card payments are set up once and collected monthly against your member count, with a receipt emailed each time.
Can our clients pay their invoice by card?
Yes. Every invoice the system emails can carry a secure Stripe payment link, so an organisation or an individual client can pay by card or bank debit the moment they open it. The payment is matched to the invoice automatically, and the client's subscriber status follows your payment rule without anyone keying it in.
How does migration work?
Phased, and scheme by scheme: membership first, then claims, then finance, with your existing process running alongside until you're satisfied with each stage.
Can it handle our benefit structures?
Benefit categories, limits, sub‑limits, co‑payments, waiting periods and exclusions are configured and versioned per scheme, so rule changes don't require a release.
How are the prices we agreed with hospitals handled?
Each hospital's agreed price list is put into the system, item by item. When a claim comes in, anything not on that list is turned down, and anything charged above the agreed price is turned down — with the reason sent back to the hospital, so it is corrected instead of argued about.
What about audit and regulatory requirements?
Every decision, override and payment carries who, when and on what basis, with role‑based approval thresholds and reporting produced from live data.
Can we cover organisations and individual families in the same system?
Yes. An organisation holds its members, and an individual client holds their dependants. Both are set up the same way, both are invoiced in the same monthly run — the organisation to its finance office, the individual to the member — and both follow their own payment agreement.
When is the subscriber list sent to the hospitals?
It is a separate run from invoicing, usually at the start of the period. Each client's rule decides who is on it: some must have paid before the period starts, others may still be unpaid up to an agreed date inside the period. The system holds back or includes them accordingly, per organisation and per individual client.
Can hospitals check a member before they treat them?
Yes. Every hospital has its own window that gives a straight yes or no on whether the member is covered for the service in front of them, and warns when a referral or authorisation letter is required. Balances and remaining limits are never shown to a provider, so nobody can treat up to what is left.
Who supports us in production?
You get a named contact, and anything that stops claims, billing or payments moving is treated as severity one with 24/7 cover.
Still have a question? Email care@m-technologiesmw.com — we respond within one business day.
Run your own claims through it before you commit
Set up one of your schemes yourself, run your own past claims through it, and decide from what you see — not from a sales demo.
Start a free test run
Set up a scheme with the wizard, put your own past claims through it, and invoice a month you have already invoiced. Training included.
Book a walkthrough
A 20‑minute look at members, claim checks, one invoice run and the money — all working off one record.
Ask us to help
Most insurers set it up themselves. If you would rather we did part of it with you, say so and we will agree it.
A free test run using your own scheme rules. No tender, no purchase to start.
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