Rinde is a platform that automates health‑care expense reimbursements from ISAPREs and complementary insurance in Chile. Users can sync multiple policies, add family members at no extra cost, and track each claim with document storage, while the service advances 70 % of the bill and collects the remainder after reimbursement. The solution operates via a secure web interface and WhatsApp, encrypting all data with TLS 1.3.
Funding
Funding not disclosed
Founders
Product
Problem
In Chile, obtaining reimbursements for health expenses from private insurers (ISAPRE) and complementary insurance requires manual claim submission, document handling, and upfront payment of the full bill, creating administrative burden and cash‑flow delays for individuals and families.
Solution
Rinde offers an automated platform that connects to users’ ISAPRE and complementary insurance accounts to file reimbursement claims on their behalf. The service aggregates multiple policies and family members, stores supporting documents, and tracks claim status in a single dashboard. For approved claims, Rinde advances 70 % of the bill cost at the point of care and collects the remaining amount after the insurer reimburses the user. All credential transmission is protected with TLS 1.3 encryption, and the platform supports multi‑user, multi‑policy management without additional fees.
Target Audience
Primary users are individuals and families in Chile who hold private health insurance (ISAPRE) and complementary policies and seek a streamlined, cash‑flow‑friendly reimbursement process.
Features
- Secure synchronization of ISAPRE and complementary insurance accounts using encrypted TLS 1.3 transmission
- Multi‑user and multi‑policy support allowing entire families, including parents, to be added as beneficiaries at no extra cost
- Automated claim filing and document storage for receipts, prescriptions, and orders
- Real‑time claim monitoring with status updates and centralized dashboard
- Cash‑flow assistance that advances 70 % of the bill cost at the time of service, with repayment after insurer reimbursement
- WhatsApp integration for claim submission and communication