CareNow is a mobile‑first credit platform that lets patients in Indonesia finance approved medical treatments by splitting costs into 2‑12 monthly installments, with interest‑free options for 2‑3 month plans and low admin fees for longer terms. Users receive a personalized health credit limit (up to Rp 50 million) and can pay the first installment at the point of care, while the app manages subsequent payments and provides a dashboard to track balances across a network of 1,000+ partner hospitals and clinics.
Funding
$100K raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Many patients in Indonesia face high out‑of‑pocket costs for medical treatments, and traditional payment methods often require full payment up front, making it difficult to afford necessary care, especially for procedures costing from a few hundred thousand to tens of millions of rupiah.
Solution
CareNow offers a credit‑based financing platform that lets patients split the cost of any approved medical service into 2‑12 monthly installments. Users register with a mobile phone number, receive an individual health credit limit (up to Rp 50 million), and select a partner clinic or hospital from a network of over 1,000 providers. The first installment is paid at the point of service, while subsequent payments are managed through the app with flexible due‑date scheduling. Installments of 2‑3 months are interest‑free and fee‑free; longer plans carry a modest admin fee (2.5 %) and competitive interest. The service is regulated by Indonesia’s financial authority and integrates with providers’ billing systems to streamline claim verification and disbursement.
Target Audience
CareNow targets individual patients who need to finance elective or essential medical procedures and the network of healthcare providers (hospitals, clinics, dental offices) seeking to offer financing options to increase treatment uptake.
Features
- Mobile‑first onboarding using phone number and KTP verification to assign a personalized credit limit
- Real‑time credit check and approval for transactions between Rp 500 000 and Rp 50 million
- Flexible installment plans (2‑12 months) with 0 % interest for 2‑3 month terms and low admin fees for longer terms
- Integrated payment gateway for first‑installment collection at the point of care and automated reminders for subsequent payments
- Network of 1,000+ accredited hospitals, clinics, and dental practices across Indonesia, searchable via the app
- Dashboard for users to track outstanding balances, upcoming due dates, and to make early repayments
- Compliance with OJK regulations, including secure data handling and transparent loan terms