Device-Agnostic AI Health Intelligence
Cross-device personalized recommendations + early-warning signals using HRV, CGM, and multi-signal context. Powered by Terra's unified API ecosystem.
Late-stage treatment costs 5-10x more than early intervention
Personalized recommendations and deviation alerts using HRV + multi-signal context, with optional CGM-driven metabolic guidance. Terra reduces integration friction via unified auth, normalized payloads, and webhooks.
Support for 99% of wearables (Apple, Garmin, Oura, Whoop, Polar, Samsung, Google Fit) + CGM devices (Dexcom, FreeStyle Libre) via single integration. Normalized payloads delivered via webhooks.
Layered model stack: Bayesian baselines + gradient boosting for event risk + LLM coaching layer. Flags health risks 6-18 months before symptoms using HRV, HR, sleep, SpO₂, temperature, activity, and optional CGM.
Real-time CGM data from Dexcom and FreeStyle Libre. Time-in-range analysis, post-prandial excursions, activity ↔ glucose response features. Metabolic guidance similar to leading programs.
Cohort risk analytics, engagement metrics, alert triage for employers/clinics/insurers. API integration for workflow automation. Population health insights at scale.
Shift from reactive sick care to predictive health optimization — detect "something is off" earlier, reduce avoidable deterioration, improve adherence to recovery/sleep/activity plans.
Why Spain: National digital health strategy, active teleconsultation usage, large EU market with meaningful prevention surface area. TAM (device-enabled): €892M | SAM (hypertension/diabetes cohorts): €178M
Why Israel: #2 health tech investment per capita globally, centralized payers (4 sick funds/HMOs), very high teleconsultation use (2.8 per patient/year). Early adopter culture. TAM: €144M | SAM: €29M
Why Romania: Clear unmet need, digitalization push, telehealth reimbursement frameworks under active development. Entry via private providers/employers first, then public pathways. TAM: €122M | SAM: €24M
Real-time readiness score (0-100) based on HRV (RMSSD, SDNN), resting HR, sleep duration/regularity, respiration rate, SpO₂, temperature deviations, activity load. Predictive alerts for overtraining, illness onset, metabolic dysfunction.
Bayesian baselines per user accounting for circadian/weekly patterns. Nonparametric anomaly scores for multi-signal divergence. "What changed vs your baseline" narratives grounded in measurable deltas.
Time-in-range, fasting baseline, post-prandial excursions, glucose variability. Meal impact scoring, activity ↔ glucose response features. Insulin sensitivity trends. Dexcom + FreeStyle Libre integration via Terra.
Multi-user monitoring for coaches/trainers, secure clinical data sharing with healthcare providers, population health analytics for corporate wellness. API integration for workflow automation.
Bayesian/robust seasonal baselines per user (circadian/weekly patterns). EWMA/CUSUM change detection. Device-specific calibration.
Gradient boosting (XGBoost/LightGBM) on time-series summaries. Target: AUROC ≥0.80, <1 false alert/user/month, ≥80% sensitivity for defined events.
Rules + constrained optimization for safe guardrails. LLM for explanation/narrative (not primary signal detection). Feature attribution via SHAP.
Evidence basis: Multiple studies show wearable physiological markers (HRV, HR, temp) can shift prior to symptom onset for infectious/inflammatory states, supporting deviation detection as a mechanism (not diagnosis).
Device sync, daily readiness score, deviation alerts, personalized recommendations. Employer/insurer wellness pricing.
CGM integration (Dexcom/Libre), glucose analytics, meal impact scoring, insulin sensitivity trends. For eligible cohorts (10% penetration assumed).
Cohort analytics, alert triage, API access, multi-user monitoring. Per clinic/insurer/employer organization.
Corporate wellness + productivity + retention. Stress/recovery monitoring, absenteeism reduction, opt-in privacy-safe analytics.
Engagement + claims avoidance. Risk stratification layer for chronic cohorts (hypertension, diabetes). Outcomes-based contracts (post-validation).
Remote monitoring + triage. Integrate deviation alerts into nurse workflows. Reduce clinician load by focusing attention where physiology deviates.
Distribution + data flywheel. Direct consumer subscriptions for biohackers/athletes. Community-driven validation and social proof.
| Metric | Base Case | Rationale |
|---|---|---|
| ARPA (B2B2C base) | €6.00 PMPM | Employer/insurer wellness pricing band |
| Variable COGS / user / month | €1.20 | Terra auth cost (200 credits/auth/month) + cloud + inference at scale |
| Gross margin | ~80% | Typical SaaS-like if inference is bounded |
| Annual churn (B2B2C) | 15% | Renewal risk; improved by outcomes/evidence |
| Contribution margin / user / month | €4.80 | €6.00 - €1.20 |
| CAC (blended per activated member) | €20 | B2B2C sales amortized across enrolled lives |
| CAC payback | ~4.2 months | €20 / €4.80 |
| LTV (gross profit basis) | ~€320 | ≈ €4.80 / (monthly churn 1.35%) ≈ 71 months → discounted |
| LTV/CAC | ~16x (Strong if churn stays low; validate in pilots) | |
Terra Pricing Structure: Quick Start plan includes 100K credits/month. Each active authentication costs 200 credits/month. First 400 events per active authentication free; overages priced per credit (tiered: $0.005/credit for 100,001-1M credits, then lower).
Implication: Variable COGS scales predictably with user count. At 5,000 active users: 1M credits/month → ~€1.50/user/month (Terra + cloud + inference). At 80,000 users: economies of scale drive COGS down to ~€1.20/user/month.
| Competitor | Segment | What They Offer | Pricing | Our Differentiation |
|---|---|---|---|---|
| WHOOP | Consumer recovery | Wearable + strain/recovery coaching | Annual plans (subscription-first) | Multi-device + clinical/enterprise pathways; no proprietary hardware required |
| Oura Ring | Consumer sleep/readiness | Ring + app membership; readiness/sleep/stress | $5.99/mo or $69.99/yr (US) | Device-agnostic + CGM + employer/insurer analytics |
| Levels | CGM metabolic program | CGM + app insights + optional labs/clinician layers | $288/yr (Classic); higher tiers with labs | Cross-signal beyond glucose + HRV deviation/early warning + broader cohorts |
| Fitbit Premium | Ecosystem subscription | Premium insights, workouts, sleep tools | €8.99/mo or €79.99/yr (EU) | Unify across brands + validated early-warning + enterprise dashboards |
| Garmin Connect+ | Ecosystem subscription | Premium app tier with AI insights | $6.99/mo or $69.99/yr | Include non-Garmin devices + clinical/insurer workflows |
| Huma | Enterprise RPM | Patient app + clinician portal; deterioration monitoring | Enterprise/contracted | Lower-friction deployment via Terra ecosystem + consumer-grade engagement + modular pricing |
| Biofourmis | Enterprise RPM + AI | Connected care platform for health systems/payers | Enterprise/contracted (unicorn valuation) | Lighter-weight, prevention-first + cross-device adoption + faster SMB/midmarket entry |
| HealthOS (Us) | Multi-signal AI prediction | Cross-device HRV+CGM+sleep fusion; enterprise dashboards | €6/mo base + €10/mo CGM add-on | Only platform combining HRV + CGM + sleep + activity in one predictive model. 60% lower cost than WHOOP. |
Evidence generation: Pilots + outcomes + retention proof. Narrow product scope (wellness "deviation alerts," not diagnosis). Multi-site pilots with alert adjudication.
Scale distribution: B2B2C rollout, deepen integrations (CGM), publish prospective validation. Begin regulated clinical pathway if needed.
Clinical validation: Outcomes-based contracts and/or regulated clinical modules. HMO/payer partnerships at scale.
Channels: Mid-to-large employers (stress/recovery + absenteeism), private insurers/corporate health providers (digital preventive benefit), clinics/telehealth (nurse triage workflows).
Messaging: National digital health strategy tailwind, patient readiness for remote modalities. Privacy and consent emphasis.
Target: 1,000 paying users by Q4 2026
Channels: HMO pilots (4 sick funds: Clalit, Maccabi, Leumit, Meuhedet), high-tech/service employers, academic medical centers (clinical validation).
Messaging: Proactive monitoring at scale, reduce clinician load by focusing attention where physiology deviates. Leverage 2.8 teleconsultations/patient/year baseline.
Target: 2,500 paying users by Q1 2027
Channels: Private clinic networks (digital concierge + monitoring add-on), large employers (preventive, retention-focused benefit). Align to public reimbursement pilots later.
Messaging: Close access gaps, support care capacity (clinician shortages). Align to National Digital Health Strategy development.
Target: 1,500 paying users by Q2 2027
Assumptions: Launch mid-2026; table represents Y1/Y2/Y3 full-year run-rate periods. PMPM base = €6; CGM add-on = +€10 for 10% of members; dashboard fee = €1k/month per org. Variable COGS declines with scale (Terra credit economies).
| Metric | Year 1 | Year 2 | Year 3 |
|---|---|---|---|
| Avg Paying Members | 5,000 | 25,000 | 80,000 |
| Base subscription revenue | €360K | €1.80M | €5.76M |
| CGM add-on revenue | €60K | €300K | €960K |
| Dashboard/org fees | €60K | €240K | €720K |
| Total Revenue | €480K | €2.34M | €7.44M |
| Variable COGS | €90K | €390K | €1.15M |
| Fixed platform COGS (Terra + infra base) | €10K | €20K | €30K |
| Gross Profit | €380K | €1.93M | €6.26M |
| R&D (payroll + tooling) | €1.2M | €1.8M | €2.5M |
| Sales & marketing | €0.6M | €1.2M | €2.2M |
| G&A + compliance | €0.3M | €0.6M | €1.0M |
| EBITDA (approx.) | -€1.72M | -€1.67M | +€0.56M |
EU MDR (Medical Device Regulation): If software provides information used for diagnostic/therapeutic decisions, Rule 11 can classify it as medical device software with QMS, clinical evaluation, post-market surveillance, and potentially notified-body involvement depending on class.
EU AI Act: Entered into force August 2024 with staged applicability. AI literacy obligations and some prohibitions apply earlier; high-risk rules for AI embedded in regulated products have extended transition.
Our Strategy: Two-tier roadmap: (1) Wellness "deviation + coaching" with careful claims; (2) Separately scoped, evidence-backed clinical module with conformity assessment. Clear intended use and labeling.
Competent Authority: AEMPS (Spanish Agency of Medicines and Medical Products) supervises EU MDR nationally.
Reimbursement: No standardized public reimbursement for digital therapeutics in Spain's national health system. Employer/insurer/private-provider route faster than pursuing national pathways.
Authority: National Agency for Medicines and Medical Devices (NAMMDR/ANMDMR). Registration in national database "does not represent an approval."
Telehealth Reimbursement: Actively analyzed and evolving (UNICEF frameworks, OECD digital health strategy development). Entry via private providers first, align to public pathways as they mature.
Authority: Ministry of Health Medical Equipment Division (AMAR) handles medical equipment registration and import permits.
Registration Path: AMAR often leverages authorization in recognized reference markets (useful if pursuing medical-device pathway). Concentrated payer structure (4 HMOs) enables fewer, larger-channel partnerships.
Issue: "Pre-detection alerts" interpreted as diagnostic/therapeutic could trigger MDR Rule 11 higher class requirements.
Mitigation: Two-tier roadmap with clear intended use separation. Wellness module (deviation + coaching) vs clinical module (evidence-backed, conformity assessment). Careful claims management.
Issue: High false alarms reduce retention, create liability. Wearable HRV/PPG variability amplifies noise.
Mitigation: Personalized baselines, conservative thresholds, confirmatory windows, user feedback loops, clinician adjudication in pilots. Target: <1 false alert/user/month. Publish prospective performance.
Issue: Mishandling sensitive health data undermines trust, triggers enforcement. AI Act adds governance duties.
Mitigation: Explicit consent, minimization, encryption, audit trails, DPIAs, vendor risk management. GDPR + HIPAA compliance. Strict separation of training dataset from operational telemetry.
Issue: Pricing changes, API limitations, regional availability constraints (Dexcom endpoints) affect roadmap.
Mitigation: Contract terms, usage monitoring, multi-provider contingency for highest-value sources (CGM). Internal normalization layer reduces lock-in.
Phased approach: Retrospective validation against labeled cohorts (symptom onset windows) → Prospective pilots with strict alert adjudication → Multi-site clinical studies → Publication.
Performance targets: "Significant deviation" alert: ≥80% sensitivity for defined events with <1 false alert/user/month. Risk model AUROC ≥0.80 for prioritized events. Calibration and net-benefit metrics prioritized.
Device-specific calibration: Adjust thresholds/confidence weighting based on known device reliability in free-living settings (PPG vs ECG concordance studies).
Seed Round
Product Development
MVP (Terra ingest + baseline + alerts) + 6-month runway for 2 engineers
Clinical Validation
Multi-site pilot design + ethics + alert adjudication + regulatory prep (MDR positioning)
Go-to-Market
Spain launch + benefits brokers + content marketing + Foromusculo.com leverage (100K+ community)
Operations & Compliance
Legal, GDPR/AI Act compliance, data governance, Terra contract, overhead
100 alpha testers → clinical validation study partner hospital
Spain + Israel | First 1,000 paying users | €12K MRR
Dexcom/Libre live | Trainer dashboard deployed | €40K MRR
5 companies, 500 employees | Clinical partnership signed | €80K MRR
Valuation: €2.5M post-money (20% dilution)
Series A Target: €1M ARR by Q2 2027 (80K members, €7.44M run-rate Y3)
Wearable adoption + CGM consumer access + AI clinical acceptance + teleconsultation normalization + regulatory clarity = preventive health at scale.
We're building the intelligence layer for the shift from reactive to predictive healthcare.
Join us in transforming reactive healthcare into predictive health optimization. Powered by Terra's device ecosystem, validated by clinical evidence, scaled by B2B2C distribution.
Schedule a Meeting Download Full Deck (PDF)Contact Information
Email: founder@healthos.com
LinkedIn: linkedin.com/in/founder-healthos
Demo: app.healthos.com/demo
Traction: Foromusculo.com community (100K+ Spanish fitness enthusiasts) | Terra integration ready | Dashboard architecture designed