Medigo

What Medigo does

Medigo GmbH is a Berlin-based Third-Party Administrator (TPA) that provides claims management, cost containment, second medical opinion, and medical concierge services to the international health insurance industry. The company was founded in 2013 as a consumer-facing medical travel marketplace serving patients across 195 countries, then pivoted in 2017 into B2B TPA services before discontinuing the consumer platform entirely in 2020 to focus exclusively on enterprise clients. Its customer base comprises international insurance companies, travel insurers, other TPAs, and re-insurers, served through quote-based, multi-year contracts with a dedicated partner sales channel ([email protected]).

The company's core technology is MediClaim, an API-first proprietary claims management platform that powers cashless access to a curated network of 5,200+ medical facilities across 100+ countries, with direct billing arrangements in 60+ countries and claims handling in 15+ languages. Medigo layers AI-powered capabilities onto MediClaim for invoice validation, creative billing detection, fraud/anomaly identification, and automated claims handling, and has developed payment card solutions for direct billing with providers. An in-house medical team provides domain expertise including German medical coding.

Medigo generates revenue through a mix of managed service fees on claims processing volume, transaction-based fees on network access and cost containment, and professional services revenue from second medical opinion and medical concierge engagements. The company claims 1M+ members with access to its services, 300k+ cases managed using its custom technology, and 5% to 50% cost savings for partners depending on market. Headcount is 11-50 employees, and the company is privately held with no institutional investors, parent company, or public funding rounds clearly attributable to it in the available data.

Name

Medigo

Legal name

Medigo GmbH

Website

https://medigo.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

Medigo is a Berlin-based B2B Third-Party Administrator providing global claims management, cost containment, second medical opinion, and medical concierge services to health insurers through its proprietary MediClaim software and a curated network of 5,200+ medical facilities across 100+ countries.

Ownership category

akta.pro rank

Product category

Healthcare Third-Party Administration Services

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Hospital & Medical Service Plans (6324)

akta.pro primary industry

Assistance & Claims Management Platforms (FNOL, TPA Tech) (THALALAF)

akta.pro secondary industry

Individual Health Insurance Administration (TPA/ASO) (FSAIAEAK)

Keywords

• Third-party administration
• Health claims management
• Medical network access
• Healthcare cost containment
• International health insurance

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. TPA Services - Claims Management: Claims management and handling services for insurance companies, managing thousands of policyholders using custom-built software. Revenue generated through service fees based on case volume and complexity.
2. Network Access & Cost Containment: Providing cashless access to medical network in 100+ countries with preferential rates and discounts. Revenue derived from negotiated network pricing and cost containment services.
3. Second Medical Opinion & Medical Concierge: Remote access to global network of medical experts for diagnosis validation and treatment pathway review, plus medical concierge services.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Medigo is a Third-Party Administrator (TPA) that delivers global healthcare administration services to health insurers, travel insurers, and other TPAs. Its core offerings include Network Access & Claims Management, Cost Containment, Second Medical Opinion, and Medical Concierge, all powered by an API-first proprietary claims management platform (MediClaim) and supported across 15+ languages in 100+ countries.

Product overview

Medigo is a Third-Party Administrator (TPA) providing a unified B2B platform for health insurance companies. The offering centers on the MediClaim software platform, which powers four integrated service modules: Network Access & Claims Management (cashless access to 100+ countries, multilingual case handling, payment card solutions), Cost Containment (invoice validation, regional benchmarking, billing detection), Second Medical Opinion (global expert access for diagnosis validation), and Medical Concierge (multilingual support, hospital coordination). The services enable insurers to simplify global healthcare journeys through claims management, cost optimization, and provider network access.

Differentiator

Problem solved

Functional benefit

Products and services

• Network Access & Claims Management Core TPA service providing cashless access to a medical provider network across 100+ countries, with case management and claims handling in 15+ languages, innovative payment card solutions, and API-first proprietary claims management software. Available 365 days a year for insurance partners and their policyholders.
• Cost Containment Service leveraging preferential rates and discounts across Medigo's network, regional benchmarking, creative billing detection, and negotiated prices, supported by a dedicated in-house medical team for thorough case management and invoice validation with German medical coding expertise. Designed for insurance partners seeking 5%–50% savings depending on market.
• Second Medical Opinion Service providing remote access to a global network of medical experts for diagnosis validation and treatment pathway review, aimed at improving recovery outcomes for policyholders.
• Medical Concierge Service providing multilingual medical concierge support including hospital accreditation guidance, coordination of international patient care, and member journey management across Medigo's global provider network of 5,200+ facilities.

Quantifiable outcome

• 5% to 50% savings depending on market
• +3 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature6 records

Scale indicators11 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• International Medical Group (IMG): IMG is a leading international travel and health insurance administrator serving globally mobile individuals. Like Medigo, it provides claims management, cost containment, and a global provider network, making it a direct peer in international health insurance TPA services.
• Global Excel Management: Global Excel is a specialized cost containment and claims management TPA for international health insurers, travel insurers, and reinsurers. Its risk-management and provider-negotiation capabilities closely mirror Medigo's core offering of cost containment and global claims handling.
• GeoBlue: GeoBlue provides international health insurance and assistance services for travelers and expatriates, with a focus on global provider networks and claims administration. It competes directly with Medigo for travel and expatriate health insurance TPA mandates.
• April International: April International specializes in international health, travel, and assistance insurance with in-house TPA capabilities. It serves similar expatriate and globally mobile customer segments as Medigo, making it a comparable specialist in the international health TPA space.
• Euro-Center Holding: Euro-Center is an international medical assistance and cost containment provider serving insurers and TPAs worldwide. Its medical network management and invoice validation services directly overlap with Medigo's core claims management and cost containment capabilities.

Broad incumbents

• AXA Partners: AXA Partners is the global assistance and insurance services arm of AXA, offering travel insurance claims management and assistance platforms. It overlaps with Medigo's travel insurer TPA segment at much greater scale and geographic breadth.
• Allianz Partners: Allianz Partners provides travel insurance, assistance, and international health services globally. Its travel insurance TPA and assistance platforms compete with Medigo for enterprise insurer partnerships, though at materially larger scale.
• Cigna Global Health (Evernorth): Cigna Global Health offers international health insurance with integrated TPA-style claims and provider network services. As one of the largest incumbents, it represents both a potential Medigo client and a competitive threat through in-house administration.
• Bupa Global: Bupa Global provides international health insurance and operates its own global provider and claims administration. Comparable to Medigo's offering for individual international health insurance, though typically larger in scale and direct-to-consumer.

Emerging players

• Now Health International: Now Health International is a fast-growing international health insurance provider with integrated claims and provider network management. Like Medigo, it targets globally mobile individuals with digital-first service and a curated global provider network.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/medigocom
• Facebookfacebook.com/medigocom
• LinkedInlinkedin.com/company/5002842

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds6 records

Investors8 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Medigo