Full spec: Gates 0 to 5.

The 100-point spec, Gates 0 to 5

Score is 100 points. A gate fails and the product is not 100 out of 100, even if other gates pass. Any Gate 0 failure is 0 out of 100, regardless of other scores. Test thresholds below are proposed test design, not sourced benchmarks, except where a sourced benchmark is cited.

Gate 0, compliance and safety, 20 points, must pass

PDPA: purpose-limited collection, consent record per patient, DPO named, data-intermediary contract with the clinic, SG-region hosting, encryption at rest and in transit, MFA and least privilege, immutable audit log. No clinical content: hard blocklist, no diagnosis, treatment advice, medication, or triage. Every patient message template is pre-approved by the clinic, and the agent never invents a clinical fact. WhatsApp: service vs marketing classification per message, DNC check within 21 days or recorded consent for any marketing or recall, opt-out honoured within 21 days. Collections conduct: polite, non-threatening scripts only, no disclosure to third parties, no claim of legal or court powers, no contact at unreasonable hours, escalation to a human before any demand-letter wording, 6-year Limitation Act flag: do not chase time-barred debts as enforceable. CHAS, MediSave, and insurer amounts are never stated as guaranteed.

Gate 1, data in, reconciled, 20 points

CSV import of AR aging: patient ID, invoice number, date, treatment, gross, CHAS, MediSave, and insurer split, balance, last contact. Duplicate-invoice detection. Reconciliation: imported total equals the clinic PMS total, plus or minus S$0.00. Triage into 0 to 30, 31 to 60, 61 to 90, and 90 plus days. Priority is oldest plus largest plus insurer-deadline first. No auto-write to the PMS in the MVP, read and CSV only.

Gate 2, recovery workflow, 20 points

Chase sequence, human-approved: Day 31 polite WhatsApp or SMS plus payment link, Day 38 reminder, Day 45 firm reminder plus offer of a payment plan or call-back, Day 60 human review: continue, pause, or refer to the clinic own process. No auto-escalation to a collector. Payment link or PayNow QR per invoice, amount equals the balance only, no overcharge. Payment posted only on clinic confirmation or bank receipt match. No-show recovery is separate and capped: rebook offer within 7 days, 1 attempt plus 1 reminder, never mixed with debt chase in the same thread. The CHAS, MediSave, and insurer checklist per invoice is a prompt for the human, not an auto-submission. Nothing is sent without approval.

Gate 3, human takeover and alerts, 15 points

Approval queue: every outbound draft shown with patient, invoice, amount, channel, and scheduled time. Approve, Edit, Skip, Pause-patient. One-click pause per patient, per invoice, or global. A human reply in WhatsApp takes over the thread and the agent does not re-send for 24 hours. Same-day alerts on payment received, dispute or complaint keyword, opt-out, failed delivery, and amount mismatch. Confidence threshold: the agent drafts only when invoice plus amount plus contact are all matched. Any mismatch goes to the human queue, never auto-send.

Gate 4, dashboard and Friday report, 15 points

Total AR, AR by bucket, collection ratio target 98%, AR over 90 days under 5%, cash recovered this week and month, recovery rate by bucket, messages sent, delivered, and paid, no-show rebooks. Friday report, one page: opening AR, recovered this week in cash received only with invoice list, still outstanding over 30 days with the top 10 by dollars, next week chase list, insurer and CHAS items needing human action. Zero invented figures: every dollar traces to an invoice ID, and the report reconciles to the dashboard to the cent.

Gate 5, pilot economics and contract, 10 points

Written success criteria agreed Day 0: recovered dollars in cash, invoices cleared, human approvals, zero compliance incidents. Conversion is decided Day 14 on cash recovered, not logins. Tier rule written, not ad-hoc. 5% on cash recovered only, invoiced monthly in arrears on the recovered list. No charge on unrecovered balances. Monthly rolling after the pilot, 30-day notice. NRR target at least 100%. Live verification is 1 real pilot clinic, 14 days, live WhatsApp plus live payment link, recovered dollars verified against the clinic bank and PMS, Friday report delivered on time twice, 0 unauthorised sends, 0 PDPA or DNC complaints. No synthetic demo counts as live.

Benchmarks we measure against

US healthcare benchmarks unless marked dental. Targets, not Oxaide results. Oxaide has no clinic results yet.

Claims and AR

Clean claim rate at least 95%. Initial denial rate 11.6% US 2025 average, target under 5%. Days in AR median 52.6, best in class 35 to 40. Net collection over 95% high-performing, 97 to 99% optimal. AR over 90 days under 15% high-performing, over 25% red flag. Cost to rework a denied claim $25. 65% of denials never resubmitted.

Dental

Dental collection ratio 91 to 95% average, 98% top. Dental AR over 90 days average 18% of AR, only 15 to 25% collectible after 90 days. Healthy dental AR days under 30, over 45 needs attention. Do not present one dental AR benchmark as the benchmark: sources conflict, so we track the range.

CHAS, MediSave, insurer: what we state, what we do not

CHAS dental

18 procedures subsidised. Blue: household up to $1,500 per person per month. Orange: $1,501 to $2,300. Green: no dental subsidy. Largest single subsidy $625 per claim, Pioneer permanent crown. Limits per year: 2 root canals, 4 crowns, 6 fillings, 4 extractions. Fee benchmarks built from about 1.9m CHAS claims across about 900 clinics in 2024. From 1 Sep 2026, claims above benchmark need clinical justification.

Flexi-MediSave and MediSave

Flexi-MediSave from mid-2026, age 60 and over, up to $400 a year for root canals and permanent crowns at CHAS dental clinics. MediSave dental is generally not eligible except surgical procedures for medical reasons. Limits $240 to $5,290 by operation table. MediSave and insurer cannot be combined for the same procedure.

Insurer

Corporate annual cap typically $300 to $2,000. Direct billing via Alliance Medinet, MHC and HMI, Mednefits, and MSIG. Self-claim otherwise: pay first, claim via portal or HR, with an itemised invoice and 9% GST breakdown.

What we never state

CHAS and MediSave amounts are never stated as guaranteed: maximum per MOH or CPF table, subject to eligibility, balance, and approval. No source for CHAS processing time, rejection rate, or MediSave and insurer settlement time exists in our sources, so we state none. No SLAs invented.

Pricing

14-day pilot: S$499. S$250 upfront, by PayNow, before the pilot starts. S$249 balance on conversion. We send the PayNow details by email only after we confirm scope. No PayNow, no start. This page takes no payment.

After the pilot: S$499 to S$999 a month, plus 5% of money recovered, capped at S$500 a month. The monthly fee depends on chairs and bill volume, fixed in writing before it starts. The 5% applies only to money actually recovered, and never adds more than S$500 in a month.

Monthly maximum: S$999 a month on the S$499 tier, S$1,499 a month on the S$999 tier. Annual maximum: S$11,988 on the S$499 tier, S$17,988 on the S$999 tier.

Break-even illustration only, not a promised recovery rate: to cover the base fee from the 5% share alone takes S$9,980 recovered a month on the S$499 tier, S$19,980 on the S$999 tier. That is arithmetic, not a promise.

The monthly charge starts only if you confirm in writing after the pilot. No card on file, no auto-renew, no charge you did not agree to.

Terms, in plain words

PDPA, one page

One page of PDPA terms, sent by email before the pilot starts. It states what we hold, why, and for how long. Nothing hidden in a long document.

CSV only, no clinical data

You send one CSV export of billing and ageing, nothing clinical. No treatment notes, no X-rays, no clinical records. If a file contains clinical detail, tell us and we delete it without reading it into the work.

Clinic approves every message and claim

Nothing goes to a patient or a payer without the clinic approving the wording first. Every claim we prepare is checked by the clinic before it is filed. The clinic keeps the judgement, we do the repeat work.

Named approver

One named approver at the clinic, name and role, approves every message and claim. We chase the approver, never the front desk, and nothing goes out without that one approval.

We onboard the clinic

We onboard the clinic in one short call and one CSV. The clinic does not set itself up: we do the setup, we chase, we report Friday. Pilot starts Monday, once the CSV is in and scope is confirmed.

Not do-it-yourself

We onboard the clinic and do the work. Nothing for the clinic to set up, nothing to learn, no page where the clinic serves itself. We chase, we report Friday.

Delete on request

Ask and we delete your data. No retention argument, no exit fee, no kept copy.

Not clinical, not front desk

No clinical advice, no treatment decisions, no bookings, no front-desk cover. We hold no clinic licence and claim none. This is back-office billing support only.

Not in the MVP

Full PMS write-back or EHR integration. Autonomous coding or claim scrubbing. Real-time eligibility, CHAS, or MediSave auto-check. Voice AI front desk or scheduling. Fax or referral intake. Clinical advice, triage, or diagnosis. Debt-collector escalation, legal threats, or Small Claims filing. Predictive forecasting or denial prediction. Patient portal, payment-plans engine, or financing. Automated CHAS or MediSave claim submission. Checklist plus human submit only.

Dental first. GP, vet, and multi-specialty revenue cycle are later verticals, decided only after the dental pilot pays. They are not in the MVP and not promised here.

Why this shape of business works elsewhere

The companies below are US comparables, not Oxaide results. Oxaide has no clinic results yet. The pilot is how we earn the first Singapore one, dental first.

Candid Health, US revenue-cycle automation

$120m Series D in July 2026, 190% year-over-year recurring revenue growth, 180% net dollar retention, about $7bn annual claim volume, 650,000 claims a month, 97% net collection rate, over 95% touchless claim rate, in a US market where about $280bn a year goes to revenue-cycle work. Third-party estimate of Candid pricing: about 3% of collections plus $6 per claim.

Tennr, US referral and document automation

$101m Series C in June 2025 at a $605m valuation, about $20m ARR as reported, RaeLM 7B model trained on 100m plus documents, processing about 10m documents a month for specialty providers. Front of cycle only, not back-end AR. Confidence thresholds are set with the customer: 99% confidence automates about 20% of workload, 97% automates about 50%.

Plena, US specialty practice back office

17x growth in 8 to 10 months, seven-figure ARR, 80% of growth by word of mouth, all annual or multi-year contracts, 40 plus EMRs, running referrals, intake, scheduling and collections for specialty practices. Customers start with one painful workflow, then expand. We do the work, not a dashboard.

EliseAI HealthAI, US front-desk comms

Over $200m ARR estimated, over 3,500 healthcare organisations, over 100m patient conversations. Front-desk comms, not AR, non-clinical admin only. It proves billing explanations cut why-do-I-owe-this calls, but it is a front-desk product, and Oxaide must not become a second front desk.

Dental Intelligence, closest dental precedent

Over $1bn processed by February 2025, plus $46,000 collections in the first year and 5 fewer AR days on average per practice, vendor-reported. Payment link plus automated nudge, not AI adjudication.

The playbook we follow

Own one vertical deeply, price on the outcome, become the system of record, keep a human in the loop, and add a second vertical only after the first pays. Dental first, then the next clinic vertical on the same proof.

No clinic results yet

Oxaide has no clinic results yet. The pilot is how we earn the first Singapore one, dental first. Join the waiting list above, or email the 6 lines and we reply with scope and the one-page PDPA terms.

Frequently asked questions

Request the 14-day pilot

Join the waiting list on the homepage, or email the 6 lines and we reply with scope and the one-page PDPA terms. No payment button on this page, no card, no buy now. Dental first.

Request only. No buy now, no card, no payment button on this page. We reply by email, confirm scope, then send the one-page PDPA terms. The S$250 upfront is arranged by email only after scope is confirmed.

Full spec, kept here. Gates, benchmarks, CHAS tables, and comparables live on this page only, so the homepage stays short.