Flash Health brings Cashless OPD to Abans Finance

Flash Health Founder M. Arshad Ameer (right) with Abans Finance Head of Human Resources Prabash Lakmal

• Makes every day healthcare simpler for employees 

Flash Health has partnered with Abans Finance to bring its Cashless OPD solution to the company’s employees, marking another important step in making every day healthcare more accessible, convenient and cashless for Sri Lankan corporates. 

The partnership adds to Cashless OPD’s growing corporate footprint, which now includes MSC Lanka, the Sri Lankan arm of MSC, the world’s No. 1 container shipping line by capacity, St. Joseph’s College Teachers’ Guild, Akbar Brothers, McLarens Group and other leading organisations. Together, Flash Health now manages Cashless OPD access for over 2,750 lives across Sri Lanka.

For most employees, healthcare becomes stressful long before they see a doctor. There is the upfront payment, the paperwork, the claim forms, the waiting, and sometimes the quiet decision to delay treatment because cash is tight. Cashless OPD was built to solve that simple but deeply human problem: when someone needs outpatient care, they should be able to access it easily, without carrying the financial burden first. 

The product is the result of years of research into Sri Lanka’s healthcare and corporate benefits market, with a clear focus on innovation that is practical, affordable and impactful. Instead of asking companies to pay a large premium upfront, Cashless OPD works on a pay-as-you-go model. Corporations only pay when employees actually use the service. 

That means companies do not lose money on unused benefits, do not overpay for employees who leave the organisation, and do not need to lock up cash up front. For SMEs, this makes structured healthcare benefits far more accessible. For larger corporations, it creates a smarter way to manage employee healthcare costs. For employees, it simply means healthcare feels easier, faster and less financially painful. 

A senior executive from Akbar Brothers said the value of Cashless OPD was in how it made the benefit more useful in real life, while also reducing internal complexity. 

“What we valued about Cashless OPD was that it made the benefit more practical and accessible for employees. It allows them to have medicines delivered without upfront payment, complete lab tests from home, access Flash partner labs on a cashless basis, and consult with GPs and specialists online. At the same time, it reduced our internal administrative burden, which made it a cost-effective solution.” 

What makes Cashless OPD especially different is that it sits at the rare intersection of healthtech, fintech and insuretech. It is healthtech because it improves access to everyday outpatient care. It is fintech because it removes the need for employees to pay first and claim later, while helping companies manage cashflow more intelligently. It is insuretech because it rethinks the traditional premium-heavy model and replaces it with a more flexible pay-as-you-go structure. 

Flash Health Founder M. Arshad Ameer

Finding all three working together in one product is uncommon. Finding it in a way that a finance team, HR team and employee can all understand without a 40-slide explanation is even rarer. 

For Abans Finance, Cashless OPD also offered the flexibility to add services such as Telehealth consultations, giving employees broader access to healthcare through one practical benefit model. The focus remains on cashless outpatient care, while the add-ons allow companies to shape the benefit around what their employees actually need. 

Cashless OPD has also received international recognition. The product was showcased at the World Summit Awards, where it was recognised as a runner-up winner for its role in reducing out-of-pocket

healthcare expenses by 100%. The model is strongly aligned with the UN Sustainable Development Goals, especially around improving access to health and reducing financial barriers to care. Cashless OPD was recognised as a winner at the World Summit Awards 2024 held in Hyderabad, India, for its impact in reducing out-of-pocket healthcare expenses and supporting global development goals. 

With Abans Finance now joining the platform, Cashless OPD continues to show how healthcare innovation can move beyond theory and into everyday working life. It is not an innovation for a pitch deck. It is innovation that helps an employee see a doctor, get medicine delivered, complete a lab test or speak to a specialist without worrying about cash at the counter. 

At its core, Cashless OPD is built around a simple belief: healthcare access should not depend on whether someone can pay first and claim later. For companies, it brings cost control and better cashflow. For employees, it brings dignity, convenience and peace of mind. 

As more organisations rethink employee wellbeing, solutions like Cashless OPD point to a future where healthcare benefits are not only more generous, but also more efficient, measurable and inclusive.