Qori runs your claims from pre-approval to payment. We submit them through eClaimLink, check every remittance against your TPA price list, resubmit what was underpaid, collect the patient share and keep the books. The money goes straight into your own account. We never hold it.
Forecast, base case: 170 clinics and an AED 11M annual run-rate by month 36, 7% of Dubai's private clinics. Open the model →
Where the money is, and where we plan to be. The full model, with every assumption editable, is on the forecast page.
Dubai spent about AED 6.3 billion on clinics and medical centres in 2025. Roughly half of that is private clinics billing insurers through eClaimLink.
DHA Health Accounts 2023–24, carried forward · Qori estimateDubai's insurance network lists 3,936 providers, 43 insurers and 16 claims-management companies. About 2,400 of the providers are clinics and medical centres.
DHA, health insurance system results 2025The average clinic collects about AED 115,000 a month from TPAs. Qori's fee is a small percentage of what actually lands in the account.
AED 3.3bn across 2,400 clinicsOur base case: 170 clinics live three years after launch, 7% of the market, at a 5% fee on collections. The low and high cases are on the forecast page.
Qori base-case forecast · not a resultQori's revenue is a percentage of the insurance money it collects for each clinic, so the forecast rests on three things: how many clinics are live, what each one bills insurers, and the fee. An average Dubai clinic bills about AED 1.4 million a year to TPAs; at a 5% fee on what actually lands in its account, that is about AED 69,000 a year to Qori per clinic.
Base · 2, 5 and 9 new clinics a month in years 1–3, 5% fee High · 3, 8 and 14 a month, 7% fee Low · 1, 3 and 5 a month, 4% fee
| Year | Signed | Live | Share | Revenue | Run-rate |
|---|---|---|---|---|---|
| Year 1 · 2027 | 24 | 23 | 0.9% | AED 0.7M | AED 1.4M |
| Year 2 · 2028 | 60 | 77 | 3.2% | AED 3.3M | AED 5.0M |
| Year 3 · 2029 | 108 | 170 | 7.1% | AED 8.2M | AED 11.1M |
| Three years | 192 | AED 12.3M |
The low case ends year 3 at AED 3.5M of revenue and an AED 4.7M run-rate; the high case at AED 18.6M and AED 25.1M. For scale, 20% of Dubai's private clinics (480) would be an AED 33M run-rate at the base fee. Every assumption is editable in the full model.
When a TPA pays less than your price list says, the shortfall usually sits unread in a denial code until the resubmission window closes and the money is gone. It is rarely one big error. It is small ones, on every remittance, every month.
An old price list still being applied after your renewal, a consultation paid at the lower level, a procedure your contract pays separately denied as included in another. Each one is posted as settled, and after 21 days it cannot be recovered.
Rent escalations above the cap, software seats you cancelled, equipment service plans that cover the repair you were charged for again. The same check Qori runs on what you're paid, it runs on what you pay.
These are the Dubai regulator's own rules, not our findings. The source is named under each one.
TPAs must pay and post the remittance advice within 45 days of submission, 30 after a resubmission and 7 for emergencies. If they are late, they owe you a delay fee.
DHIC Claims Management Policy Directive · effective 16 Nov 2025A rejected or underpaid claim must be resubmitted within 21 days of the remittance advice. After that the denial stands, whatever the price list says.
DHA Standards Notice 03/2019 · cl. 3.8.1Each claim can be resubmitted twice at most, so the first resubmission has to be right.
DHA Standards Notice 03/2019 · cl. 3.8.2Every late step, yours or the TPA's, carries a delay fee of 0.03% of the claimed amount per day.
DHA Standards Notice 03/2019 · cl. 3.7.2, 3.8.4, 3.9.3This is the clinic's view in Qori. Click a stage to see what the same claim looks like as it moves from the visit to the bank.
We connect to your clinic software, your eClaimLink account, your TPA price lists and a read-only view of your bank. None of it puts a dirham in our hands.
We request approvals within the hour, prepare and check each claim, and submit it through DHPO before the deadline. Patient shares are collected by a card link in your clinic's name, and TPAs pay you directly.
Every remittance advice is read line by line against your price list. Anything underpaid is flagged with the contract line it fails, and the resubmission goes out inside the 21-day window.
We close the books every month and prepare your corporate tax and VAT returns for your tax agent to file.
Card payments run through a licensed processor in your clinic's name and settle in your bank. There is no balance in ours, and our fee is invoiced separately.
Each flag cites the price-list line, the denial code and the remittance it came from, so anyone can check it.
Everything we hold runs on servers inside the UAE, as the law requires, and card details never reach us. Your data stays yours.
Every flag is checked against your TPA contract and cites the line it failed.
The TPA paid less than your contract says the activity is worth, and nobody flagged it in time.
The TPA paid a lower level than you documented. Small per visit, large over a year.
A procedure your contract pays separately, denied as included in another service.
Your prices went up at renewal, but the TPA kept paying the old ones.
Late submissions, unchased payments and missed resubmission windows. Each one is a date on a calendar, and we keep the calendar.
Rent, equipment service, software seats, medical supplies — checked against their contracts the same way. Cancelled seats and capped escalations are where it hides.
Dubai's new claims directive puts a clock on every step: approvals within an hour, two resubmissions per claim, delay fees in both directions and fines of up to AED 50,000. Every deadline is now the clinic's problem as much as the TPA's.
Billing companies take 4–9% of what you collect. We charge a flat monthly fee, invoiced separately, and you see what we find before you commit to anything.
Send us 90 days of remittance advices and your TPA price lists. We return what you were underpaid, line by line. No commitment.
Everything from approval to tax return, for a fixed fee per practitioner.
No. Every payment settles in your own bank account, and card payments go through a licensed processor in your clinic's name. There is never a balance in ours, and we cannot move money or take our fee from your collections.
Most clinics resubmit the obvious rejections. Few compare every paid line with the contract price, and fewer track the 21-day window on each one. We do both, on every remittance.
No. We keep the books and prepare the returns; your registered tax agent reviews and files them.
Health data stays on servers inside the UAE, as the law requires. Card details never reach us, and we hold only what billing needs. You can take it all with you at any time.
We're new, and working with a few founding clinics on purpose. We'd rather earn your trust with the number from your own remittances than with a wall of logos.
Tell us about your clinic and we'll send the short list of documents we need. You'll have the number in days, with no commitment.