Stratum Intelligence / Product preview

The financial position.
The evidence behind it.

Explore plan economics, membership and care-cost movement, then examine the evidence supporting the management account.

Synthetic HMO preview · Financial position, investigation and review

These are captured product screens using fictional organisations and synthetic figures. Begin with the financial position, then explore the prepared investigation and Finance review examples. Select any image to inspect it at full size.

01 / Portfolio overview

Revenue, care costs and the share remaining.

Read revenue, estimated care cost, medical loss ratio and care contribution together. In this example, care costs grew faster than revenue and the share remaining before operating costs narrowed.

Fictional organisations and synthetic figures. Care contribution is before operating costs.

Stratum Intelligence synthetic HMO overview, showing financial context and areas for investigation.
Synthetic product previewOpen full screen

02 / Benefit-plan economics

Which plans are under pressure?

Examine observed income and cost relationships with plan structure, enrolment and payment arrangements in context.

Care contribution is shown before operating costs. The preview separates recorded figures from estimates; it does not establish net profit, premium adequacy or reserve requirements.

Synthetic benefit-plan economics view comparing plans with their financial and enrolment context.
Synthetic product previewOpen full screen

03 / Cost movement

What contributes to the change?

Separate changes associated with cover and plan mix, then inspect the remaining contribution across providers and service groups. Keep the underlying comparison basis in view.

Synthetic cost movement view showing the components of an illustrative change.
Synthetic product previewOpen full screen

04 / Supported investigation

How far can we explain this movement?

Inspect a finding with sufficient detail for the demonstrated analytical step, including the evidence and conditions supporting the interpretation.

An observed contribution to cost movement does not, by itself, establish its underlying cause.

Synthetic investigation with supporting analytical detail, evidence and interpretation limits.
Synthetic product previewOpen full screen

05 / Detail-limited investigation

What can we say when the detail is incomplete?

See where the evidence supports an observation but cannot support a deeper explanation. The view makes the missing detail and the resulting limit explicit.

Synthetic investigation explaining where incomplete detail limits further interpretation.
Synthetic product previewOpen full screen

06 / Data & confidence

What affects our confidence in the result?

Review source coverage, comparison conditions and recorded assumptions, including estimates that affect the financial picture.

Synthetic data and confidence view with coverage, mapping and timing considerations.
Synthetic product previewOpen full screen

07 / Guided questions

Start with the question management is asking.

Choose a question about paid-claims growth, evidence still needed or the effect of later payments. Each prepared answer links to the relevant comparison and states its limits.

Prepared answers for the synthetic scenario. The examples illustrate how an answer stays connected to its evidence.

Prepared answer to the paid-claims question, with comparison scope, evidence limits and follow-up questions.
Synthetic product previewOpen full screen

08 / Saved review

Carry one investigation through the review.

Save the July starting point, create an illustrative Finance verification item and inspect the August result. The original finding remains available, and unresolved explanations remain open.

Guided synthetic scenario with illustrative review roles and prepared contributions.

Synthetic saved July investigation, review stages and illustrative Finance contribution.
Synthetic product previewOpen full screen

09 / Finance evidence

Separate later payments from a new cost increase.

In this example, later payments replace unpaid estimates while estimated incurred care cost stays unchanged. The comparison keeps both record cutoffs and the supporting Finance schedules visible.

The Finance contribution is prepared. It does not establish ultimate claims completion or resolve missing cover and clinical context.

Prepared Finance comparison showing July and August paid claims and unpaid estimates, with unchanged estimated care cost.
Synthetic product previewOpen full screen

10 / Updated brief

Bring the finding and its review into one account.

Bring the original question, current finding, illustrative Finance contribution and remaining uncertainties into the management brief. The displayed extract shows the new verification section and its interpretation limits.

The earlier July account remains available in the demonstration. Staff contributions are illustrative.

Management brief containing Finance verification context and remaining interpretation limits from the synthetic guided review.
Synthetic product previewOpen full screen

Working alongside your systems

Build on the information you already have.

Begin with the management questions and the records already available. Agree how definitions, evidence and review responsibilities fit your organisation.

Recurring use is the delivery direction. Shared review records, refreshes and system connections are established through the agreed implementation. See product maturity and demonstration details.

A management conversation

Start with what your team needs to see.

In a 30-minute walkthrough, explore the relevant parts of the HMO preview and discuss what would be needed to assess fit with your organisation’s records. No dataset is needed.

Product screenSynthetic product preview · Fictional organisations

Fits your screen. Zoom in to read the detail.

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