Name

BestDoctor

Legal name

ООО «Лучи Здоровье»

Website

https://bestdoctor.ru

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Corporate Voluntary Health Insurance

NAICS

Health and Welfare Funds (525120), Insurance Agencies and Brokerages (524210), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Services-Health Services (8000), Insurance Agents, Brokers & Service (6411), Services-Prepackaged Software (7372)

akta.pro primary industry

Primary Care & General Medicine Virtual Care (Employer-Sponsored) (HLALADAA)

akta.pro secondary industries

Primary Care & General Medicine Virtual Care (HLALAAAA), Membership/Subscription Concierge Virtual Care (HLALAAAH), Virtual Specialty Care Programs (Payer-Sponsored) (HLALACAD)

Keywords

• Corporate health insurance
• Voluntary medical insurance
• Telemedicine services
• Employee health benefits
• Digital health platform

Headquarters

HQ city

Moscow

HQ country

Russia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Corporate DMS (Voluntary Health Insurance) Premiums: Annual subscription-based premiums collected from businesses for employee health insurance coverage. Pricing scales with team size, employee age demographics, and selected coverage options.
2. Individual DMS and Health Services: Direct-to-consumer health insurance and virtual clinic consultation services for individuals and family members.
3. Additional Insurance Options: Upsell products including accident insurance, life insurance, and supplemental health coverage for employees and their relatives.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

BestDoctor operates as a health management platform delivering corporate and individual voluntary medical insurance (DMS) under the Luchi brand in Russia. The company bundles traditional health insurance with a digital telemedicine service called the Virtual Clinic, a consumer mobile application for appointment booking, 24/7 physician chat, and medical records, and an HR dashboard for corporate policy administration. Revenue is generated primarily through annual subscription-based insurance premiums for companies and individuals, supplemented by accident, life, and supplemental health coverage products.

Product overview

BestDoctor operates under the 'Лучи' (Luchi) brand and offers a platform-plus-modules architecture combining voluntary medical insurance (ДМС) with digital health services. The core product is corporate ДМС for businesses, available in 'Easy Start' (basic) and 'Classic DMS' (extended) packages, supplemented by the 'Virtual Clinic' telemedicine platform providing 24/7 online consultations with ongoing physician supervision. All services are unified through the 'Luchi' mobile app which serves as the central hub for appointment booking, doctor chat, clinic mapping, and medical records access. Additional offerings include Health Assistant and Accident Insurance as supplementary add-on modules. The company partners with over 25,100 clinics and laboratories across Russia and insurance company partners including AO 'Luchi Strakhovanie', OOO 'RB Strakhovanie zhizni', and OOO 'RB Strakhovanie'.

Differentiator

Problem solved

Functional benefit

Brands

• Виртуальная клиника (Virtual Clinic): Online medical consultation service available 24/7 through the Luchi mobile application, featuring doctors across 14 adult specialties and 9 pediatric specialties.

Products and services

• Corporate Voluntary Health Insurance (ДМС для бизнеса) Annual subscription-based voluntary medical insurance for corporate teams of 10 or more employees in Russia, bundling clinic visits, home doctor visits, lab tests and diagnostics, hospitalization, and dental add-ons under customized programs.
• Virtual Clinic (Виртуальная клиника) 24/7 telemedicine service providing online consultations across 14 adult and 9 pediatric specialties, with physicians actively monitoring patients weekly through full recovery and accessible worldwide via mobile app.
• Luchi Mobile Application (Мобильное приложение «Лучи») Consumer-facing mobile app that consolidates appointment booking, 24/7 on-duty therapist and pediatrician chat, geo-tagged clinic map, and digital medical records into a single interface for policyholders.
• Health Assistant (Ассистент здоровья) Personal health management service for proactive employee wellness, providing consultations, appointment booking for tests and procedures, and consolidated health record storage.
• Accident Insurance (Страхование от несчастных случаев) Supplemental insurance product covering employees and relatives against accidents, providing compensation for treatment, rehabilitation, fractures, temporary disability, and related financial protection events.

Quantifiable outcome

• 90% client retention rate over two years
• +2 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Five partnerships are on record, tiered core.

• Interros GroupcoreStrategic or Co-development PartnerBestDoctor (operating as 'Лучи') is part of Interros Group alongside other market leaders in their respective niches. The parent company provides strategic backing and brand credibility in the Russian market.
• AO Лучи СтрахованиеcoreChannel Partner/ Reseller/ DistributorInsurance partner with licenses СЛ № 2733, CИ № 2733. One of the underwriting insurance companies for DMS policies, headquartered in Moscow.
• ООО РБ Страхование жизниcoreChannel Partner/ Reseller/ DistributorLife insurance partner with licenses СЖ № 4079. Provides life insurance products as part of the DMS ecosystem, headquartered in Moscow.
• ООО РБ СтрахованиеcoreChannel Partner/ Reseller/ DistributorInsurance partner with licenses С № 1580 77, СЛ № 1580, СИ № 1580. Provides insurance coverage under the DMS program, headquartered in Moscow.
• Network of 25,100 Clinics and LaboratoriescoreStrategic or Co-development PartnerExtensive network of verified partner clinics and medical laboratories across Russia, including major federal chains and regional medical institutions. Provides the physical healthcare access layer for DMS policyholders.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• SberZdorovye (Sber Health): Sberbank-owned digital health platform offering B2B corporate telemedicine, doctor booking, and online consultations across Russia. Directly comparable to BestDoctor in combining employer-sponsored virtual care with insurance-style distribution.
• Doctis: Russian telemedicine and online consultation platform serving both individual and corporate clients. Closely comparable to BestDoctor's Virtual Clinic offering and B2B channel strategy.

Broad incumbents

• Medsi: Largest private medical network in Russia, providing its own DMS products, clinics, and telemedicine. Competes with BestDoctor on the corporate DMS side with greater in-house clinical assets.
• RESO-Garantia: One of Russia's largest general insurers with a significant corporate DMS book. Competes directly with BestDoctor on corporate voluntary health insurance and benefits distribution.
• INGOSSTRAKH: Top-tier Russian insurance carrier offering DMS products to corporate clients. Competes with BestDoctor on the insurance distribution and corporate benefits layer.
• AlfaStrakhovanie: Major Russian insurer with a well-developed corporate DMS line. Comparable to BestDoctor in serving employer-sponsored health benefits at scale.
• VTB Strakhovanie: Insurance arm of VTB Group, distributing DMS and corporate health products to large enterprise clients in Russia. Adjacent competitor in the same buyer category as BestDoctor.
• Teladoc Health: Global leader in employer-sponsored virtual care and integrated digital health. Closely comparable in business model to BestDoctor's employer virtual care and continuous monitoring positioning.

Emerging players

• Doctor Smart (Доктор Смарт): Russian subscription-based telemedicine startup offering online consultations and corporate health programs. Comparable in subscription virtual care focus though at smaller scale than BestDoctor.

Others

• BestDoctor's structural analog: Lemonade-style insurance UX disruptors: Placeholder removed - see Doctor Smart above as the closest Russian emerging peer; globally, Oscar Health and Bright Health are thematically comparable insurtech-style health platforms but operate in materially different regulatory environments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds9 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 BestDoctor