Elfie Partnership

Internal Update Brief

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 — GD 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.

100k
lives target — end of year
ELFIE WORKS
★ INDICATIVE — NUMBERS TO BE CONFIRMED

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 at the Core of Every Touchpoint

Every interaction — whether the user is well or unwell — flows through Good Doctor. Elfie surfaces the need. GD owns the response.

ENGAGE

Elfie runs daily wellness, assessments, and health scores — keeping users active between clinical episodes

DELIVER — GD

GD handles every clinical response: GP consult, specialist referral, chronic medication, pharmacy

RETAIN

Elfie re-engages post-treatment, tracks recovery, surfaces next risk — sending the user back to GD

GD is the only point of clinical delivery. No competitor can replicate this without building or acquiring both a PHM layer and a clinical network.

TECHNICAL LIFT

Minimal Engineering, Maximum Impact

TaskOwnerEffort
Co-branded platformElfieHours (logo → same-day)
Referral link + trackingElfieHandled on their side
Capi product tier updateGDPricing/packaging only

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

What This Unlocks

Portal Monetisation

Elfie Works increases the revenue value of every existing client portal subscription — the same partners we already serve pay more for a demonstrably better product.

Standalone Works TAM

Elfie Works sold outside Capi opens the market to any employer or insurer — not just existing capitation clients. A separate revenue line from day one.

Platform Stickiness

Users engage daily — when well, not just when sick. Solves GD's retention problem. The app becomes a health habit, not a claims tool.

Regional Expansion

White Coat operates across 3–4 SEA markets. Indonesia MVP proven → regional rollout via existing investor relationships.

What Happens Next

1
NOW

Elfie Basic rollout

All GD partner populations. Zero integration. Revenue from day one.

2
APRIL — MAY

Align with Grace

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

3
MAY — JUNE

Works pilot launch

One GD partner, co-branded premium tier live. 60–90 day validation window.

4
Q4 2026

Evaluate + expand

Results reviewed. Works rolled out to full partner base or expanded to SEA.

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

v2 CHANGES