QubeHealth is a healthcare payments company. Integrating a massive ‘payments infrastructure’ in India, interest-free healthcare financing, health insurance, and healthcare providers with a unique B2B-2C customer acquisition strategy. Qube is rapidly changing the way Indians pay for their healthcare. Qube’s users are employees of Indian enterprises that have subscribed to Qube’s healthcare payment products for their employees, usually as an add-on to the company group health insurance plan. Companies provide this as a healthcare benefit so that their employees can reduce healthcare costs and have access to financing to pay for any healthcare bill not paid by their company health insurance - easing cash flow pressures for the Company and increasing employee retention. Employees (the Users) can pay any healthcare provider (hospitals, clinics, pharmacies, and more) across India via the Qube mobile application (“QubePay”), with NO restrictions on healthcare provider networks (like other medical finance companies) OR family member restrictions - traditionally imposed by health insurance policies. Every healthcare bill paid through QubePay provides an immediate cost reduction to the User, as well as access to a Zero-Percent healthcare credit line of up to INR One Million, which the User can tap to pay directly to the healthcare provider and choose a payback period of up to one year - at no cost. Qube gives its users control over their families' healthcare outcomes without being limited by their ability to pay their medical bills.