A novel method and apparatus for effectuating outsourcing components of the complex processes of underwriting, implementation and administration of a novel low cost healthcare delivery plan to offshore locations, comprising of a computer network of plurality of computer terminals that integrate the conventional processes with new processes that allow seamless implementation of home country emergency inpatient and essential healthcare services, with low cost offshore services that include, i) elective medical procedures performed at offshore accredited hospitals, ii) back office administrative support, ii) 24/7 customer support, iii) 24/7 online physician support, iv) importation and home delivery of approved prescription drugs, and v) travel support to the offshore destination.;The method discloses first ever computer/apparatus that enables two disparate transnational insurance systems to deploy their different algorithms to output a single low health insurance premium to the healthcare buyers, and enables an open marketplace for insurance/reinsurance underwriters, brokers, caregivers and facilitators.
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