Total estimated annual value delivered
—
—
Per case
—
Per month
—
Staff hrs recaptured
—
Pillar 1 — Staff time savings
Annual follow-up touches—
Staff hours displaced—
Cost rate—
Annual labor savings
—
Pillar 2 — Settlement premium
Cases with gaps (prevented)—
Uplift per gap-free case—
Close rate applied—
Annual settlement uplift
—
Pillar 3 — Record retrieval
Hours recaptured / yr—
Time saved per case—
Cost rate—
Annual retrieval savings
—
Annual investment in Hona
—
$90 / case
Annual net value
—
Value delivered minus investment
Value per $1 invested
—
Return multiple on Hona spend
ROI
—
Net value ÷ investment
Note on model structure: Pillars 1 and 2 are causally related but financially independent — Pillar 1 is a cost reduction (labor displaced regardless of outcome) and Pillar 2 is a revenue increase (higher settlements on prevented-gap cases). They sit on different P&L lines and compound independently. When presenting, acknowledge that the follow-up work in Pillar 1 is what enables the outcome in Pillar 2 — they are not redundant, but a sophisticated buyer will ask.
Model assumptions & data sources
- Gap prevalence (17% default): Industry research indicates roughly 1 in 6 PI cases includes a detrimental 30+ day treatment gap that materially impacts adjuster valuation.
- Settlement uplift (30% default): Research indicates cases with consistent, uninterrupted treatment settle for meaningfully more than those with documented gaps — 30% reflects observed average loss in case value attributable to gaps.
- Pillar 2 only counts gap-affected cases. Clients who would have maintained consistent treatment regardless are excluded from the premium calculation.
- Pillar 1 assumes AI fully displaces manual follow-up labor; partial-assist scenarios would reduce this value.
- Pillar 3 assumes all cases reach record retrieval stage and the consolidated provider directory eliminates lookup and tracking time entirely.
- Model does not include malpractice / E&O risk reduction, client satisfaction, or referral value from improved outcomes.
