# Guidr — Health Benefits Platform for People Without HR

> Guidr is a health benefits aggregator, recommendation engine, and policy management platform designed specifically for self-employed professionals, freelancers, creators, software engineers, remote workers, solopreneurs, and micro-teams in Nigeria.

## Core Value Proposition
- **Target Audience:** Freelancers, independent contractors, digital nomads, solopreneurs, and micro-teams who have no corporate HR department.
- **The Problem:** Standard HMOs in Nigeria treat individual policyholders like second-class citizens with high retail prices, bad support, and hidden exclusions.
- **The Solution:** Guidr aggregates top licensed HMO underwriters, provides side-by-side plan comparisons, enables group squad pooling for up to 25% discounts, and issues instant digital hospital member passes.

## HMO Underwriter Partners Aggregated
- **AXA Mansard Health** (e.g. EasyCare, Individual Health Tiers)
- **Hygeia HMO** (e.g. HyLite, HyEssential, HyBonus)
- **Reliance Health** (e.g. Red, Blue, Gold Tiers)
- **Leadway Health** (e.g. Primary, Comprehensive)
- **Avon HMO**
- **MetroHealth HMO**
- **Anchor HMO**

## Key Features & Product Modules
- **AI Recommendation Engine (`/onboarding`):** Matches health priorities, budget, and family size to suitable HMO plans with explainable rationale.
- **Side-by-Side Comparison Matrix (`/compare`):** Direct comparison of outpatient caps, drug coverage, specialist visit rules, ICU limits, dental, optical, and maternity allowances.
- **Squad Pooling Calculator (`/squad-pool`):** Group purchasing power engine allowing freelancers to pool together in groups of 5+ to unlock corporate discount rates.
- **Accredited Hospital Network Finder (`/network`):** Search across 1,500+ clinics, hospitals, diagnostic centers, and pharmacies nationwide with medical capability filters (Surgery, ICU, Dental, MRI, Emergency).
- **Digital Member Pass:** Mobile-accessible ID pass for instant hospital admission without paper forms.

## Essential Links
- Homepage: https://guidr.com/
- Plan Comparison Matrix: https://guidr.com/compare
- Hospital Network Finder: https://guidr.com/network
- Squad Pool Savings Calculator: https://guidr.com/squad-pool
- Recommendation Quiz: https://guidr.com/onboarding
- Full Technical & Coverage Documentation: https://guidr.com/llms-full.txt