Luchi

What Luchi does

Luchi (ООО "Лучи Здоровье"), founded in 2015 and headquartered at the Skolkovo Innovation Center in Moscow, operates a vertically integrated digital health insurance and telemedicine platform serving the Russian market. The company sells voluntary health insurance (DMS / ДМС) products to both corporate employers (covering ~150,000 employees across 1,800+ companies) and individual consumers, with pricing tiered by age, clinic network, franchise level, and optional coverage (dental, hospitalization, maternity, vision correction). Its flagship technical differentiator is the proprietary Virtual Clinic (Виртуальная клиника) — an in-house telemedicine service staffed by 250+ doctors across 34 specialties that has conducted 260,000+ consultations with an average 4.97/5 rating. All products are delivered through the Luchi Zdorovye mobile application (iOS/Android, rated 4.8/5) and web personal account, with a self-service HR Dashboard for corporate program management.

The technology stack is proprietary and registered in the Unified Register of Russian Computer Programs (No. 26585), built on a cloud-native mobile and web platform with an underlying Spectrum insurance core. Luchi operates under three insurance licenses (Luchi Insurance JSC, RB Insurance, RB Life Insurance) and holds a medical activity license (No. Л041-01187-71) authorizing in-house telemedicine delivery across 14 specialties. The company was formerly known as BestDoctor and BestInsure before unifying under the Luchi brand in 2024; it sits within the Interros conglomerate ecosystem. Distribution combines direct enterprise field sales targeting HR directors and C&B managers, a B2B partner portal for brokers, and self-serve app-based sales for individuals, supported by a free HR knowledge base (bz.luchi.ru). Supplemental non-health products include property insurance and pet insurance (Лапки под защитой), expanding the addressable wallet beyond core DMS.

Name

Luchi

Legal name

Obshchestvo s ogranichennoy otvetstvennostyu "Luchi Zdorovye" (LLC "Luchi Zdorovye")

Website

https://luchi.ru

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

101–250 employees

Short description

Luchi (formerly BestDoctor) is a Russian digital health insurance platform selling corporate and individual voluntary health insurance (DMS), bundled with an in-house Virtual Clinic telemedicine service, to employers and consumers across Russia.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Direct Health and Medical Insurance Carriers (524114), Offices of Physicians (62111)

SIC

Insurance Agents, Brokers & Service (6411), Services-Health Services (8000), Services-Misc Health & Allied Services, Nec (8090)

akta.pro primary industry

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

akta.pro secondary industries

Small Group Health Insurance (2–50/100) (FSAIAFAD), Membership/Subscription Concierge Virtual Care (HLALAAAH), Level-Funded Group Health Plans (FSAIAFAC)

Keywords

• Voluntary health insurance
• Telemedicine platform
• Corporate insurance benefits
• Digital health platform
• Medical insurance services

Headquarters

HQ city

Moscow

HQ country

Russia

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Corporate DMS (ДМС для бизнеса): Subscription-based voluntary health insurance sold to businesses for their employees. Pricing based on number of insured employees, their age, and selected medical services. Franchise options available to reduce cost. Premium increases with additional options such as accident insurance for employees and relatives. B2B sales with annual contracts.
2. Individual DMS (ДМС для физических лиц): Voluntary health insurance sold directly to individuals and families. One-time annual payment. Offers franchise options (0%, 20%, 50%) and optional dental coverage. Cost calculated by age (18–65 years) and chosen clinic tier.
3. Health Assistant Subscription: Monthly subscription for individual health management with personal therapist and medical concierge. Individual plan billed monthly; family annual plan covers 4 people per year. Includes 1 personalized checkup, unlimited online consultations, and assistant support.
4. Virtual Clinic Consultations: Pay-per-consultation or bundled into DMS/health assistant subscription. Additional specialized consultations (veterinarian, dietitian, nutritionist, coach, psychiatrist, psychologists) available as in-app purchases.
5. Property and Pet Insurance: Insurance products for real estate (apartment insurance against floods, fires, theft) and pet insurance (Лапки под защитой). Sold through the same digital platform.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Luchi sells voluntary health insurance (corporate and individual DMS) bundled with an integrated Virtual Clinic telemedicine service and a unified mobile/web platform (Luchi Zdorovye). The corporate product targets employers buying annual employee health coverage; the individual product targets consumers and families. Both include access to a 25,100-clinic network across Russia, unlimited online consultations with 250+ doctors, 24/7 on-duty therapist chat, and same-day clinic booking.

Product overview

Luchi operates as a unified online insurance and digital health platform (formerly BestDoctor and BestInsure, rebranded in 2026). The portfolio is organized around three core pillars: health insurance (corporate and individual DMS), virtual clinic (telemedicine via the 'Лучи Здоровье' mobile app), and supplemental insurance products. The corporate DMS product serves as the flagship B2B offering, providing employers a configurable health insurance program with access to a network of 25,100+ clinics across Russia, an integrated Virtual Clinic with unlimited online consultations, and a 24/7 medical concierge. The B2C DMS targets individual customers and families. The 'Виртуальная клиника' (Virtual Clinic) is the core digital health engine, available both as a standalone subscription and bundled within DMS policies, offering online consultations across 23 specialties (14 adult, 9 pediatric). The 'Ассистент здоровья' (Health Assistant) is a premium add-on providing a personal physician, health assistant, family health maps, and a personalized initial checkup. Beyond health, Luchi's non-health insurance products include 'Страхование недвижимости' (property insurance) and 'Лапки под защитой' (pet insurance). The entire service is accessed through the 'Лучи Здоровье' mobile app (iOS/Android) and the web personal account at my.luchi.ru, with an HR dashboard for corporate clients to manage policies and analytics.

Differentiator

Problem solved

Functional benefit

Brands

• Virtual Clinic (Virtualnaya Klinika): Telemedicine service providing online consultations with doctors across multiple specialties, available 24/7
• Health Assistant (Assistent Zdorovya)
• DMI for Business (DMS dlya Biznesa)
• DMI for Individuals (DMS dlya Fizicheskikh Lits)
• Pet Protection (Lapki pod Zashchitoy)
• Property Insurance (Strahovanie Nedvizhimosti)

Products and services

• Corporate DMS (ДМС для бизнеса / DMS for Business) Voluntary health insurance product for employers providing employees with access to a network of 25,100+ partner clinics across Russia, unlimited online consultations in the Virtual Clinic, 24/7 on-duty therapist chat, and a medical concierge. Configurable: employers can customize clinic lists, add dental, pregnancy care, vision correction, preventive checkups, and well-being programs. Includes an HR dashboard for self-service policy management, analytics, and employee enrollment.
• Individual DMS (ДМС для физических лиц / DMS for Individuals) Individual voluntary medical insurance for private customers and families aged 18-65. Covers online consultations, offline clinic visits, diagnostics, dental care, and 24/7 therapist chat. Available with optional deductible (franchise of 0%, 20%, or 50%) and selectable clinic tier. One-time annual payment with online pricing calculator.
• Virtual Clinic (Виртуальная клиника) Standalone online telemedicine subscription, also bundled within DMS policies. Offers unlimited online consultations with 250+ doctors across 23 specialties (14 adult, 9 pediatric) via video, audio, or chat in the mobile app. Follows a continuous doctor-patient relationship model with a dedicated physician following the patient throughout the care journey. Available globally; on-duty therapist accessible 24/7 and on-duty pediatrician 9:00 to 21:00. Over 260,000 consultations conducted.
• Health Assistant (Ассистент здоровья) Premium subscription providing a personal physician, dedicated health assistant (available 10:00-18:00 with VIP managers 24/7), personalized initial preventive checkup, family health mapping, and unlimited online consultations. AI-assisted care coordination automates appointment booking across online and offline providers. Available as an individual monthly plan or family annual plan covering up to 4 people.
• Property Insurance (Страхование недвижимости) Insurance product protecting apartments and homes against flooding, fire, and theft. Offered as part of the expanded Luchi non-health insurance portfolio and sold through the same digital platform.
• Pet Insurance (Лапки под защитой) Pet insurance product covering veterinary consultations and care. Available to individual consumers and as an add-on for corporate DMS employees using flexible benefit programs such as Space Coins.

Quantifiable outcome

• Employees recover up to 30% faster by using Virtual Clinic for online consultations
• +6 more outcomes

Named customers6 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature6 records

Partnerships

Five partnerships are on record, tiered core and flagship.

• Clinic Partner Network (25,100 clinics and laboratories)coreStrategic or Co-development PartnerLuchi has partnerships with 25,100 clinics and medical laboratories across all regions of Russia. These partner clinics provide offline medical services (consultations, diagnostics, procedures, dental) covered under DMS policies. The clinic network is accessible via interactive map in the Luchi Zdorovye mobile app and includes both large federal chains and regional medical institutions with high service quality ratings (4.5+).
• АО «Лучи Страхование» (Luchi Insurance JSC)flagshipStrategic or Co-development PartnerLuchi Insurance JSC (АО «Лучи Страхование») is a dedicated insurance company within the Luchi ecosystem. License: СЛ № 2733, CИ № 2733. INN: 2722015673. Provides the actual insurance underwriting for DMS and other insurance products sold under the Luchi brand. Credit rating A-(RU) from AKRA. Located at ul. Vyatskaya 27, str. 15, Moscow.
• ООО «РБ Страхование Жизни» (RB Life Insurance LLC)coreStrategic or Co-development PartnerLife insurance partner company. License: СЛ № 4079, СЖ № 4079. INN: 7706625952. Part of the insurance partner ecosystem providing life and health risk insurance products complementary to DMS. Located at ul. Vyatskaya 27, str. 15, Moscow.
• ООО «РБ Страхование» (RB Insurance LLC)coreStrategic or Co-development PartnerInsurance partner company. License: СЛ № 1580, СИ № 1580. INN: 7709927260. Provides insurance coverage for various Luchi insurance products. Located at ul. Vyatskaya 27, str. 15, Moscow.
• Интеррос (Interros)flagshipStrategic or Co-development PartnerLuchi is part of the Interros ecosystem alongside market-leading companies in their respective niches. Interros is a major Russian investment company/conglomerate. The association positions Luchi as a trusted, large-scale player in the Russian insurance market.

Scale indicators15 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• AlfaStrakhovanie: Major Russian insurer with strong corporate health insurance franchise and growing digital capabilities. Direct competitor in the employer-sponsored DMS market with deeper broker distribution.
• SOGAZ: State-affiliated Russian insurance leader with a large corporate benefits book including voluntary health insurance for major enterprises. Competes with Luchi in mid-market and large corporate accounts.
• Teladoc Health: Global leader in employer-sponsored virtual care and integrated telehealth. Closest international comparable for Luchi's employer-sponsored Virtual Clinic model and DMS-plus-telemedicine bundling thesis.
• RESO-Garantia: One of Russia's top-5 general insurers with a significant corporate and individual health insurance book. Competes with Luchi in group DMS while offering a much broader P&C and life portfolio.
• Ingosstrakh: Top-5 Russian insurer with national clinic network and corporate DMS programs. Traditional insurance carrier model with growing digital touchpoints, comparable in target customer base to Luchi.

Direct peers

• Medsi: Russia's largest private clinic chain, owned by AFK Sistema. Provides both clinical services and corporate health programs — a vertically integrated peer competing with Luchi's clinic-network-plus-telemedicine bundle.
• BestDoctor (legacy brand): The former name of Luchi's own medical services arm — included as a self-reference for context. All BestDoctor operations, brand equity, and clients were absorbed into the unified Luchi brand.
• СберЗдоровье (SberHealth / DocDoc): Russia's largest digital health platform, part of Sberbank ecosystem. Operates telemedicine marketplace and corporate health programs, directly competing with Luchi's Virtual Clinic and corporate DMS in the same employer-sponsored channel.

Emerging players

• Ondoc: Russian telemedicine and digital health platform offering online consultations and integrations with clinics. Overlaps with Luchi's Virtual Clinic offering but with narrower specialty coverage and a smaller clinic network.
• KDL (lab diagnostics): One of Russia's largest private medical laboratory networks serving both B2C and corporate channels. Comparable to the lab diagnostics portion of Luchi's 25,100-clinic partner network, especially for checkup-driven revenue.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/luchi_ru
• LinkedInlinkedin.com/company/luchi
• Instagraminstagram.com/luchi.ru

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries3 records

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 Luchi