Insurance and public cover, on shared rails.

Eligibility and claims on the same rails as care.

Because PHB connects to the same network the patient’s record lives on, eligibility queries and claims happen in the same context as the care event — no separate portal, no duplicate data entry.

• —Real-time eligibility check at point of booking or check-in
• —Pre-authorisation requests and approvals without leaving PHB Connect
• —Claims submitted automatically when care is confirmed
• —Settlement via NIBSS directly to provider account

Fund care for your team — without seeing their records.

PHB Sponsored Care (B2B) lets employers and organisations fund healthcare for members. A sponsor tops up a pool, members spend it on PHB-connected care.

Sponsors and insurers receive aggregated, k-anonymised wellness and membership data — never individual patient PHI. The privacy wall is architectural, not a policy promise.

No insurer or employer ever sees individual PHI.

Every query from a sponsor or insurer passes through a Privacy Gateway. The gateway k-anonymises results, aggregates counts and strips all identifiers before returning data.

Any attempted query that would return fewer than the k-anonymity threshold returns an empty result — not a masked result, an empty one.