Lotus Health AI Raises $35M Series A to Offer Free, Insurance-Free Doctor Visits

Lotus Health AI has secured $35 million in Series A financing, bringing its total funding to $41 million, as it advances a care model designed to remove insurance billing from routine doctor visits. The round was co-led by Kleiner Perkins and CRV, with participation from individual backers including Joe Montana and former U.S. Chief Technology Officer Aneesh Chopra.

The company is positioning itself as a direct challenge to traditional reimbursement structures in U.S. healthcare. Lotus offers its platform to patients at no cost and does not require insurance. Instead of billing payers, the company monetizes through “premium sponsorships” embedded within the app, a strategy it says is intended to realign incentives away from procedure volume and toward preventive and continuous care.

At the core of the platform is an AI-driven system designed to address fragmentation in medical data. Lotus aggregates disparate sources of information, including medical records, laboratory results and wearable device data, into a single patient profile. The system analyzes these inputs to surface potential clinical concerns, which are then reviewed by licensed physicians under what the company describes as a “Physician-in-the-Loop” model. Doctors validate findings, guide care plans and prescribe medications when appropriate.

This approach has been applied to complex and often underdiagnosed conditions. The company points to patients with long-standing unexplained symptoms, such as autoimmune and mast cell disorders, where the consolidation of records and continuous analysis has helped identify patterns that were previously missed. For others managing recovery after major events such as brain surgery, the platform is positioned as a constant point of clinical guidance.

Lotus emphasizes that its technology is designed to augment, not replace, clinicians. By automating intake, record synthesis and administrative triage, the company says physicians become “10 times more productive,” enabling the platform to provide 24/7 support in more than 50 languages. This capability is central to its strategy to broaden access while reducing clinician burden.

The sponsorship-based revenue model remains a key point of debate. While common in consumer technology, such approaches are less established in healthcare, where concerns around privacy and influence persist. Lotus argues that eliminating copays and deductibles encourages earlier engagement, potentially reducing long-term costs associated with unmanaged chronic disease.