In many countries, private medical insurers are facing challenges on multiple fronts:

  1. Lack of top-line customer growth.
  2. Younger customer cohorts unconvinced by existing propositions.
  3. Comparison sites driving a price-led market, coupled with high churn rates.
  4. Spiralling medical inflation due to new technology increasing the price of procedures, devices and appliances.
  5. Operating expense ratios remain high for all but the largest insurers with scale.


The future

There are a number of themes that can deliver a next-generation experience for customers of medical insurers:

  1. Offer a solution to fund cosmetic surgery, via Pluto's Lay-buy solution.
  2. Offer a solution to younger, low risk customers that allows them to self-insure using Pluto's Stash solution, whilst providing them a pathway to traditional insurance as they age.
  3. Offer a solution to multi-generational family groups, whereby health risk is absorbed and funded through a family self-insurance pool.
  4. Offer a solution to customers that funds non-insured services and treatments that reward a customer for staying healthy and fit.
  5. Offer a solution that resembles a health marketplace, to support your customer journey's regardless of their insured status.
  6. Offer a virtual card solution which allows you to retire your physical card fleet and deliver a modern virtual card solution to lower costs, improve card security, and deliver a digital-first experience for your customer interactions.


Client interface

The Pluto Platform offers a responsive mobile web app under your brand. Alternatively, you can use our APIs to integrate Pluto functionality into your existing mobile app.

Module comparison

Pluto ModuleCost RangeAge SegmentsProcedure TypesTime Horizon
Lay-buy€1000 - €1000018 to 50Elective, cosmetic, specific12 months
Stash€20 - €2500018 to 70All procedures, non-specific36 months +
PayLater€100 - €100018 to 35Dentistry & OptomteryImmediate


Enabling tech

VSPRY adopts Google's BeyondCorp zero trust enterprise security model which allows for single sign-on, access control policies, access proxy, and user- and device-based authentication and authorisation. The VSPRY tech stack has 5 inter-connected components:

  • Core orchestrates all internal and external API calls, and manages access and security, and manages all software business logic.
  • Financial multi-currency financial ledgers offering atomicity and concurrency, with virtually unlimited scale.
  • Business product, process, business and customer management platform.
  • Application layer uses a single codebase to deploy a natively compiled, multi-platform user interface.
  • Warehouse offers a fully-managed, serverless data warehouse that enables scalable analysis over petabytes of data.


Our USP is that we make healthcare more accessible and affordable, by integrating healthcare funding solutions, healthcare record management, and healthcare marketplace technology, on a SaaS basis. For licensees of our technology, we remove the capital cost and project risk of building a similar solution internally which for many enterprises is outside of their area of expertise. We bring new sources of revenue, and deliver new customer experiences on a pay-per-user basis, enabling true retail healthcare.

Get in touch

Contact us via VSPRY CHAT or telephone us at our Australian office on +61 7 3184 4111, our United Kingdom office on +44 131 381 3939, or our Singapore office on +65 3129 3939, or schedule a meeting at


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