Helping hospitals get paid more, faster.
Medical coding & claim financing for Indonesia's $1.3B medical receivables market.
Get a free recovery auditThe problem
Indonesian hospitals are starved of cash they have already earned.
~$1.3B
in receivables
Across Indonesian hospitals, with 70% owed by insurance, mostly BPJS.
Kemenkes 2022
40%
delayed over 30 days
Across Indonesian hospitals, with 70% owed by insurance, mostly BPJS.
2023 sectoral survey
8–12%
bad debt
On total annual revenue.
MedMinutes / Kemenkes 2026
Hospitals get squeezed twice: coding errors = rejected claims PLUS 30–90 day payment delays.
Why now
The game just changed on 1 Oct 2025.
BPJS just replaced INA-CBG with iDRG. All-new 7-digit codes. 5 severity tiers. 1,300 groups. 22,000 diagnoses.
Every medical coder in Indonesia is literally relearning their job right now. Tier 2 & 3 hospitals struggle to staff coders.
INA-CBGs (old system)
- • Flat severity model
- • Fewer codes — simpler to learn
- • Lower documentation burden
iDRG (current system)
- • 7-digit codes, 5 severity tiers
- • ~1,300 groups across ~22,000 diagnoses
- • Better clinical accuracy — but much harder to code correctly
Every existing AI claim-audit tool in Indonesia was trained on INA-CBG.
They are retrofitting while we are building iDRG-native.
Solution
Full Coding + Claims Service Partner
Just connect the clinical notes. Our team gets them paid.
AI Medical Coding Staffing
Empowered with AI Assistant
- • Reads clinical notes in Bahasa Indonesia
- • Suggests iDRG codes (7-digit, 5 severities)
- • Flags missing documentation in real time
- • Predicts rejection risk before submission
Claim Financing with AI-Underwriting
- • ~90% advance within 48 hours
- • Only applies to AI-verified claims
- • Off-balance sheet (bank holds the loan)
- • Wakalah bil ujrah + qardh (DSN-MUI Fatwa No. 67/2008)
How hospitals work with Baku
Four engagement depths. One AI platform. One outcome.
Start with Recovery — most hospitals do — and expand from there.
01
Recover
The wedge
We work your rejected and aging BPJS claims back into approved, paid claims.
Pricing
20–50% of recovered value. Pure contingency. No upfront fee.
Found money
02
Assist
SaaS co-pilot
Your coders work in our iDRG-native AI platform — gap detection, queries, pre-submission validation.
Pricing
Per-bed monthly or per-claim. Low monthly floor. Unlimited users.
Productivity
03
Operate
Coding-as-a-service
Our trained coders run your full workflow on our AI. We deliver submission-ready claims in 48 hours.
Pricing
Rp 15–25K per claim. Or monthly retainer by volume.
Capacity
04
Guarantee
Outcome-priced BPO
Operate plus a contractual floor on your realization rate. We make you whole on shortfalls.
Pricing
1.5% baseline + gainshare. 95%+ guaranteed approval rate.
Outcomes
+ Claim Financing
Claim Financing — across all four tiers
90–97% advance within 48 hours, sharia-compliant (DSN-MUI Fatwa 67/2008).
Funded through BPRS/BTM cooperative banks in the Muhammadiyah network. Off-balance sheet — bank holds the loan. No debt on your books.
About the founder
Improving Outcomes for Indonesian Hospitals
Founder
Matthew Joseph "Majo" Martin
10+ years helping Indonesian organizations build better outcomes with technology. 20+ years engineering payments and B2B infrastructure. Founded Blossom Finance — a sharia-compliant investment platform backed by Tim Draper. Permanent resident, fluent in Bahasa Indonesia.
Hiring
We're building the founding team. If you have deep domain expertise in any of these areas, reach out.
Your hospital is owed money. Let's bring it back.
Start with a free recovery audit. We'll review your aging claims and estimate how much we can recover — no cost, no commitment.