# Guidr Health Benefits Platform — Comprehensive LLM Context & Product Documentation

## 1. Platform Overview
Guidr (Guidr HMO) is a digital healthcare distribution and benefits management platform operating in Nigeria. It bridges the gap between licensed Health Maintenance Organizations (HMOs) and independent workers who lack traditional employer-sponsored healthcare.

### Regulatory & Operational Disclaimer
Guidr is a technology distribution platform partnering with licensed Nigerian HMO underwriters. Guidr does not directly underwrite insurance risks or provide direct medical advice.

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## 2. Target Market Persona
- **Primary Audience:** Independent tech professionals, freelancers, software developers, UI/UX designers, creators, consultants, remote contract workers, and solopreneurs in Nigeria.
- **Secondary Audience:** Micro-agencies, startups, and small teams (2 to 15 members) seeking employer-grade benefits without hiring a dedicated HR team.

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## 3. Core Features & Capabilities

### 3.1 Questionnaire Recommendation Engine
- Analyzes applicant profile: Age, location (Lagos, Abuja, Rivers, Oyo, etc.), coverage tier (Individual, Couple, Family), annual budget (₦45,000 to ₦300,000+), and specific health priorities (Prescription drugs, Maternity, Dental/Optical, Specialist access, Top hospital network).
- Computes match scores across all aggregated HMO plans and outputs top recommendations with explicit reasoning vectors.

### 3.2 Plan Comparison Matrix
- Standardizes diverse HMO plan structures into a side-by-side matrix comparing:
  - **Outpatient Care:** General practitioner consultation caps and clinic access rules.
  - **Prescription Medication:** Coverage limits for generic vs. brand-name drugs across 500+ accredited pharmacies.
  - **Inpatient Care:** Hospital admission days, ward tier, ICU stabilization, and emergency surgical care.
  - **Specialist Consultations:** Access rules for Gynaecologists, Paediatricians, Cardiologists, Dermatologists, and Surgeons.
  - **Diagnostic Tests:** X-rays, ultrasound scans, CT scans, blood panels, and MRI scans.
  - **Maternity & Infant Care:** Antenatal, normal/C-section delivery, postnatal care, and routine immunizations.
  - **Dental & Optical:** Routine cleanings, fillings, optical checkups, lenses, and frame allowances.

### 3.3 Squad Pooling (Group Purchasing Power)
- Solopreneurs and freelancers can form "Squads" of 5+ members.
- By bundling policy enrollments together, Guidr negotiates corporate group-rate discounts ranging from **15% to 25% off** individual retail premiums.

### 3.4 Hospital & Diagnostic Network Finder
- Searchable database of 1,500+ accredited medical facilities across 36 Nigerian states.
- Filterable by facility type: Hospitals & Clinics, Pharmacies, Diagnostic Centers.
- Capability tags: Emergency Room, ICU, Surgical Suite, MRI Imaging, CT Scan, Dental, Optical, Maternity.

### 3.5 Instant Digital Member Pass
- Mobile digital ID pass generated immediately upon payment confirmation.
- Eliminates physical plastic card delays and manual paperwork when checking into accredited hospitals.

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## 4. HMO Underwriter Partners Supported
1. **AXA Mansard Health**
2. **Hygeia HMO**
3. **Reliance Health**
4. **Leadway Health**
5. **Avon HMO**
6. **MetroHealth HMO**
7. **Anchor HMO**

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## 5. Contact & Web Specifications
- Website: https://guidr.com
- API Endpoint Base: https://api.guidr.com/api/v1
- Support Email: support@guidr.com
- Technical Architecture: React 19 Frontend + NestJS TypeScript Backend + Drizzle ORM + PostgreSQL Database.