Darmanet

What Darmanet does

Darmanet (درمانت) is a Tehran-based third-party administrator (TPA) for supplementary health insurance in Iran, operating as a subsidiary of Sarmaye Gozari Sarmad Andokhteh Sazan Farda Investment Company. The company serves individual policyholders holding supplementary health insurance, providing electronic claims submission, referral letter issuance for visits to contracted healthcare centers, and reimbursement processing for medical expenses not covered by primary insurance. Customers access services through a web portal (portal.darmanet.ir) and a member web application (members.darmanet.ir), with national ID authentication, and reach customer service via a Tehran telephone line or in-person visits at the central office on Vanak Square.

The core product is a web-based portal architecture that supports the e-claims (خسارت الکترونیک) workflow, allowing policyholders to upload claim images and metadata electronically rather than submitting paper. The platform includes a referral letter issuance system with stated service levels of 7-24 hours for hospital cases and under 2 hours for paraclinal cases, paraclinal claim processing of approximately 15 working days, hospital claim processing of approximately 3 months, and payment disbursement around 20 working days after check issuance. Downloadable PDF forms remain available for dental, paraclinal, hospital, and base-insurance exemption claims, indicating that physical submission remains a fallback channel.

Darmanet generates revenue through service fees related to claims processing and network management for healthcare providers, on a transaction-fee basis. Pricing is not publicly disclosed. The company is independently operated from Saman Insurance (Bimeh Saman) despite processing claims for Saman policyholders. Its marketing relies on a company website, blog, Instagram, LinkedIn, and Telegram, with self-service channels serving as the primary distribution mechanism. Headcount is approximately 21 employees, anchored in a single-country (Iran) market with no disclosed international expansion.

Name

Darmanet

Legal name

شرکت خدماتی و کمک رسانی پیشگام الوند اتحاد (درمانت)

Website

https://darmanet.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Darmanet is a Tehran-based third-party administrator (TPA) for supplementary health insurance in Iran, providing electronic claims submission, referral letter issuance, and reimbursement processing for individual policyholders via a web portal and member web application.

Ownership category

akta.pro rank

Product category

Health Insurance Administration

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411), Hospital & Medical Service Plans (6324)

akta.pro primary industry

Medicare Plan Administration & Third-Party Services (TPA/BPO, Enrollment, Billing) (FSAIAGAI)

akta.pro secondary industries

Individual Health Insurance Administration (TPA/ASO) (FSAIAEAK), Government Program Administrative Services (Medicare/Medicaid ASO/TPA) (HLAEALAO)

Keywords

• Health insurance administration
• Supplementary health insurance
• Insurance claims processing
• Medical referral services
• Insurance TPA services

Headquarters

HQ city

Tehran

HQ country

Iran

HQ region

Middle East

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D

Revenue model

1. Supplementary Health Insurance Claims Processing: Darmanet processes claims for supplementary health insurance on behalf of policyholders. The company manages the reimbursement process for medical expenses not covered by primary insurance (بیمه پایه), handling both paraclinal and hospital treatment claims. Revenue appears to be generated through service fees related to claims processing and network management for healthcare providers.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Darmanet operates as a third-party administrator (TPA) for supplementary health insurance in Iran. It administers insurance benefits for individual policyholders by providing a member portal, processing claims electronically, and issuing medical referral letters. The company is headquartered in Tehran and was founded in 2016.

Product overview

Darmanet (درمانت) operates as a supplementary health insurance third-party administrator (TPA) offering a unified platform that combines an electronic claims (e-claim) submission system, a member web portal for managing damage claims and referral letters, and downloadable forms for dental, paraclinical, and hospital treatment claims. The core offering centers on the member portal (وب اپلیکیشن درمانت) which enables insured members to register and track claims electronically, with complementary services including referral letter issuance and paper-based claim forms for cases requiring physical submission.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Paraclinal claim processing: approximately 15 working days
• +4 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Two partnerships are on record, tiered minor and core.

• Bimeh Saman (Saman Insurance)minorOthersDarmanet is an independent company from Bimeh Saman (بیمه سامان). While the company processes claims for supplementary insurance and works with contracted healthcare providers, it is operationally separate from Saman Insurance.
• Sarmane Investment Company (شرکت سرمایه گذاری سرآمد اندوخته سازان فردا)coreOthersDarmanet (شرکت خدماتی و کمک رسانی پیشگام الوند اتحاد) is a subsidiary of Sarmane Investment Company (شرکت سرمایه گذاری سرآمد اندوخته سازان فردا). The parent company provides investment oversight and strategic direction.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Asia Insurance (Bimeh Asia): Major Iranian private insurer with health and supplementary health products; competes for the same policyholder pool Darmanet services and represents a potential in-house TPA alternative.
• Pasargad Insurance: Established Iranian insurer offering health and supplementary coverage; an incumbent peer that Darmanet could either complement via TPA outsourcing or compete against for the same employer groups.
• Iran Insurance Company (Bimeh Iran): Iran's largest state-affiliated insurance carrier offering health and other lines; relevant as a broad incumbent that operates or could internalize TPA functions comparable to Darmanet's services.
• Alborz Insurance: Iranian insurer operating in health and other lines; relevant broad incumbent peer competing for the same supplementary health insurance policyholder base.
• Karafarin Insurance: Iranian private insurer with health line; comparable to other broad incumbents as a counterparty that could engage Darmanet as a TPA or substitute it with internal claims operations.
• Mellat Insurance: Iranian insurance carrier with health coverage products; a comparable broad incumbent in the same addressable market for both policyholders and TPA outsourcing relationships.
• Dana Insurance: Iranian private insurer with health and life products; comparable broad incumbent serving the same Iranian employer-group and individual health insurance segments.

Emerging players

• BimeBazar: Iranian digital insurance comparison and brokerage platform; emerging player targeting the same Iranian policyholders with a tech-led distribution layer adjacent to Darmanet's TPA services.
• Bimeh.com: Iranian online insurance marketplace and broker; an emerging insurtech overlapping with Darmanet in digitizing insurance purchase and servicing, though more focused on distribution than claims TPA.

Direct peers

• Saman Insurance (Bimeh Saman): The insurance carrier whose policyholders Darmanet primarily serves; Darmanet explicitly processes Saman-related claims and refers hospital documents to بیمه سامان. It is the closest operational counterparty and effectively the anchor of Darmanet's claim flow.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/darmanet
• Instagraminstagram.com/darmanet.ir

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 Darmanet