Elfie Partnership

Internal Approval Brief

For Danu & Julian | March 2026 | Prepared by Dieter Werwath

INTERNAL — NOT FOR DISTRIBUTION

THE PROBLEM

GD Has a PHM Gap — And Partners Know It

Good Doctor has committed to a Population Health Management offering to insurers and corporate clients for over three years. The pipeline is warm — Ocha's partners are actively asking for this today. But we have not delivered.

The AXA Lesson

We ran a PHM proof-of-concept with AXA. They loved it. Then they built it themselves — because we didn't move fast enough. We lost the visibility, the data, and the recurring revenue.

3+
years promised
0
delivered
1
partner lost (AXA)
WHY NOW

Three Signals Are Converging

01

Pipeline is warm

Ocha's partners are actively asking for PHM today. The demand isn't theoretical — it's in the sales pipeline right now.

02

The gap is widening

Competitors are closing in. Every month without a PHM product is a month partners look elsewhere. AXA already built their own.

03

Elfie is ready

Proven platform, modern stack, co-branding in hours. Grace McNamara targeting May Asia visit — window to formalise.

THE PARTNERSHIP

Two Products, Two Risk Profiles

ELFIE BASIC

Quick Win

  • Referral / commission model
  • Up to IDR 15,000 per user
  • Zero integration required
  • Roll out to all partners day one
  • Cash-generating immediately
ELFIE WORKS

The Strategic Play

  • Co-branded PHM platform
  • Bundled into Capitation premium tier
  • IDR 300k → IDR 500k per life
  • Pay only per active user
  • GD owns the clinical revenue loop
ELFIE BASIC

Immediate Revenue, Zero Risk

Simple referral commission. No API. No integration. No dev time. GD drives users to Elfie Basic via referral link and earns per milestone.

EventGD EarnsNotes
InstallIDR 2,500User downloads the app
RegistrationIDR 7,500User creates an account
ActivationIDR 5,000User completes first action
Maximum per userIDR 15,000Full funnel conversion

Can roll out to all GD partner populations from day one. No approvals needed beyond this brief.

ELFIE WORKS

The Economics of the Premium Tier

CURRENT

Gold Capitation

IDR 300,000

per person / year

NEW PREMIUM TIER

Gold + Elfie Works

IDR 500,000

per person / year

GD pays Elfie
~$2/mo
per active user only
GD net per active life
IDR 116k
per year, before clinical
100k lives uplift
IDR 20B
additional GMV
THE STRATEGIC MOAT

GD Stays at the Centre of the Clinical Loop

01
ASSESS

Elfie runs health assessment, surfaces risk factors

02
DIAGNOSE

High-risk users flagged for GD clinical intervention

03
TREAT

GD delivers: GP, specialist, chronic meds, pharmacy

04
REPEAT

Elfie tracks progress, re-engages, new cycle begins

No competitor can replicate this loop without building or acquiring a PHM layer. Elfie Works makes GD the only telemedicine platform in Indonesia offering fully integrated PHM + clinical delivery.

TECHNICAL LIFT

Minimal Engineering, Maximum Impact

TaskOwnerEffort
Co-branded platformElfieHours (logo → same-day)
Attribution / referral trackingElfieHandled on their side
Capi product tier updateGDPricing/packaging only
API integration (clinical loop)GD + ElfiePhase 2 — not for launch

Build In-House

  • 12–18 months minimum
  • Significant ongoing maintenance
  • High execution risk

Partner with Elfie

  • Live today, battle-tested
  • Elfie maintains and evolves
  • GD-branded within hours
BEYOND THE PILOT

Strategic Upside If This Works

Standalone Works

Elfie Works sold outside the Capi bundle — widens the addressable market beyond existing capitation clients to any employer or insurer.

Regional Expansion

White Coat (GD investor) operates across 3–4 SEA markets. Once the Indonesia MVP is proven, regional rollout is a natural next step.

Platform Stickiness

Users engage with Elfie when well, not just when sick. Solves GD's biggest retention bottleneck — the app becomes part of daily life.

Future Differentiators

Motion capture for MSK care, AI-driven content, advanced wellness features. Elfie's roadmap adds value GD doesn't need to build.

What We're Asking For

1

Approve Elfie Basic rollout

Immediate. Zero integration. Revenue-positive from day one.

2

Approve Elfie Works pilot

One partner from Ocha's warm pipeline. Co-branded premium tier. Validate over 60–90 days.

3

Book alignment call with Grace

Confirm terms, co-branding, and pilot timeline before her May Asia visit.

Partnership initiated by Siska Tamba | Internal document — not for distribution